Cheap Homowners Insurance Huntington Beach

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cheap homeowners insurance huntington beachThe cost of living in Huntington Beach is 23% higher than the California average and 67% higher than the national average. With the median home price being $628,600, the cost of housing is 202% higher than the national average. The main reason for the high cost is the lack of available land to build on. Construction of any kind on the beach is prohibited without a vote of the people, and everyone wants to hold on to their “beach view.” If you own a home here it is very important to understand how much insurance you need, according to the special features of the area. This will help you get the best cheap homeowners insurance Huntington Beach has available.

With perfect beaches and great companies like Boeing and Quicksilver to work for, Huntington Beach is one of the most desirable places to live on the west coast. It is often called the “Surfing Capital of the World” and is famous for its tourism and natural recourse. It is no wonder only 5% of the housing is unoccupied.cheap homeowners insurance huntington beach 2

The most important thing to be aware of if you own a home in Huntintgton Beach is the unique geographical issues of the area. The coastal city experiences a natural effect caused by the edge-diffraction of open ocean swells around Santa Catalina Island. Swells generated predominantly from the North Pacific in winter and from a combination of Southern Hemisphere storms and hurricanes. This makes for great surfing, but also for a high risk of flooding. Historical flooding of Huntington Beach dates back to 1825, and the most recent flooding was February 6 and 7, 1998. A tornado caused damage on February 24, 1998, to a mobile home park. Flood and earthquake insurance are not usually part of a basic policy, so be sure to have it added!

About Homeowners Insurance Huntington Beach

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover the following:cheap homeowners insurance huntington beach 3

  • Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Huntington Beach has to offer.