Costa Mesa has 110,330 residents in 42,292 households. We list 11 agencies for home insurance in Costa Mesa. Here is what the local numbers say about the cover people here need.

Costa Mesa at a glance

11home insurance agencies listed
60.4%of households rentRenters insurance
$1,115,100median home valueHome insurance
1972median year homes were builtRebuild cost calculator
4.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Orange County

FEMA rates the overall natural hazard risk in Orange County, where most Costa Mesa agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Costa Mesa
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Costa Mesa How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Costa Mesa agencies work with

Of the 11 Costa Mesa agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers8 agencies
Safeco6 agencies
The Hartford6 agencies
Travelers (Standard Fire)6 agencies
Foremost5 agencies
Liberty Mutual5 agencies
Liberty Mutual (Safeco)5 agencies
American Modern4 agencies
AmTrust4 agencies
Nationwide4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Home insurance in Costa Mesa

All insurance agencies in Costa Mesa · Home insurance across California

Where can I find home insurance in Costa Mesa?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Costa Mesa agencies work with?

Among the 11 Costa Mesa agencies whose appointments we hold, the companies they are most often appointed with are Travelers (8), Safeco (6), The Hartford (6), Travelers (Standard Fire) (6), Foremost (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Costa Mesa?

FEMA's National Risk Index rates inland flooding risk in Orange County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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