Home Insurance in Huntington Beach, CA

Homeowners insurance in Huntington Beach

4.9 ★ from 70+ Google reviews

Huntington Beach is a short drive down Brookhurst from our office, and we've been insuring homes there for years. The city has a little of everything: older houses near downtown, neighborhoods built in the 60s and 70s, newer tracts, and condos and townhomes close to the water. Each kind of home needs a slightly different conversation.

Flood and earthquake near the coast

Every Huntington Beach ZIP, 92646 to 92649

If you live near the coast, the harbor or the wetlands, ask us about flood. A regular homeowners policy doesn't cover flood, and some parts of town are in flood zones. Earthquake is a separate policy too. We'll tell you straight whether it makes sense for your home, and you decide.

For condo owners, we read your HOA's master policy with you so your own policy fills the gaps instead of paying twice for the same thing.

We work with homeowners in every Huntington Beach ZIP, 92646 through 92649, from the neighborhoods off Brookhurst and Magnolia to Huntington Harbour and the streets near the pier. Not sure whether your address is in a mapped flood zone? You can look it up on FEMA's flood map, or we can check it with you over the phone. Older homes near downtown can bring up roof and wiring questions from carriers, so bring what you know about past updates. If you have a pool, a boat or a room you rent out, mention it, since each of those changes the liability side of the policy. You'll find us at 15626 Brookhurst St, Westminster, CA 92683, or call 714-775-6777. Our staff can help in English, Spanish or Vietnamese, and Phil himself speaks English and Vietnamese.

Call 714-775-6777

Book a time

Already insured? Tell us who your current insurance company is and forward your declarations page to admin@phildongagency.com so we can review it with you. You can also call us at 714-775-6777.

Phil Dong Insurance Agency team members at their desks in the Westminster office, which serves Huntington Beach homeowners

Dropped or non-renewed?

A lot of homeowners in Huntington Beach have gotten that letter lately. Call us before your policy runs out. We'll look at the markets we have, and if the California FAIR Plan is the right move for now, we'll set it up with you and add a policy for the coverage it leaves out. Then we keep looking for something better.

If you also have cars, a boat or an umbrella policy, we can look at all of it together.

FAIR Plan, condo and coastal coverage in Huntington Beach

If you're on the California FAIR Plan in Huntington Beach, it covers the basics, like fire. Water damage, theft and liability usually need a second policy, and flood and earthquake are separate again. Near Huntington Harbour, the wetlands and the pier, flood insurance is worth a real look even outside a mapped high-risk zone. Flood policies through the National Flood Insurance Program usually have a waiting period before they start, so don't wait for storm season.

Many HB condos and townhomes sit in older complexes near the coast. Your HO-6 policy should match what the HOA master policy leaves to you, including the interior, your belongings and loss assessment, which helps if the HOA bills owners after a big claim on the building.

Huntington Beach home insurance questions

Do I need flood insurance in Huntington Beach if I'm not in a high-risk flood zone?

It isn't required, but it's worth asking about near the harbor, wetlands or beach, since homeowners policies don't cover flood. Most flood policies have a waiting period, so plan ahead. Tell us who your current insurance company is and send your declarations page to admin@phildongagency.com, or call 714-775-6777, and we'll check your address with you.

How should I set up condo insurance with my Huntington Beach HOA's master policy?

Start with the master policy. It tells you whether the HOA covers just the walls or more, and how big its deductible is. Your HO-6 then covers the interior, your belongings, your liability and loss assessments. Send the master policy summary, the name of your current insurance company and your declarations page to admin@phildongagency.com, or call 714-775-6777.

I have a pool at my Huntington Beach home. Does that change my insurance?

It can. A pool mainly affects the liability side, and some carriers ask about fencing and gates. Many owners add an umbrella policy for extra liability. Tell us who your current insurance company is and send your declarations page to admin@phildongagency.com, or call 714-775-6777, and we'll review it with you.

Also serving Westminster · Garden Grove

Phil Dong Insurance Agency

Since 2008. Farmers President's Council 13 years, top 1% nationwide. We speak English, Spanish and Vietnamese.

15626 Brookhurst St, Westminster, CA 92683

714-775-6777 · CA License 0K40631

Prefer to start online? Start a Farmers home quote