Orange Insurance Rates:

Orange, CA home insurance is roughly $552 to $750, about $46-$62/month. Our in depth analysis indicates shoppers can save as much as $260 by comparing many quotes

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Orange Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $900/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Baths 2380 sqft Vacation Property Constructed In 1984 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $520/2 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $895,000

5 Beds, 5 Bath 3950 sqft Primary Residence Constructed In 1989 with Linoleum, Metal Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1980/12 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $1,260,000

5 Beds, 5 Baths 4540 sqft Primary Residence Constructed In 1964 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $560/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $565,000

4 Beds, 4 Baths 2690 sqft Seasonal Residence Constructed In 1998 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $720/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

4 Beds, 4 Bath 1750 sqft Seasonal Residence Constructed In 1995 with Carpet Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $560/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $770,000

4 Beds, 4 Baths 2660 sqft Seasonal Residence Constructed In 1984 with Carpet over wood flooring, Composition Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1230/8 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $545,000

4 Beds, 4 Baths 1772 sqft Primary Residence Constructed In 1982 with Linoleum, Tile Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Orange, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92867 $582,500 $680
92869 $580,900 $660
92866 $562,000 $660
92865 $452,100 $640
92868 $380,300 $640

Orange Rates & Quotes Analysis:

Orange Area Estimated House Insurance
Potter Cir, E Durango Way, N Edgewater St, E Lewis Ave, Kendra Dr, Hidden Canyon Rd, E Rocking Horse Way, Plumeria, Edgewood Ave, Oroville$657
E Biscayne Way, Fowler Ave, N Yurok St, N McCrory Ln, S Olympia Way, N Lassen Blvd, W Sycamore Ave, Villa Park Rd, Red Coat Pl, Parker Cir$693
N California St, Brighton Dr, Lower Lake Dr, N Santa Lucia St, Overhill Dr, E Kirkwood Ave, Crescent Dr, E Carrie Ave, E Rosedale Ln, E Silverleaf Ave$672
E Horseshoe Ln, Greengrove St, E Salisbury Cir, Saint Thomas Cir, E Versaille Ct, E Appletree Ln, Arnold Way, S Night Star Way, N Rama St, Tioga Pl$713
S Yorba St, N Siavohn Dr, W Sherringham Ave, N Kendra Dr, Hillside Ln, Pso Diego, N Londonderry Ln, S Weir Canyon Rd, N Manchester Pl, S Laurinda Ln$563
Mount Vernon, S Jameson St, Bel Springs, E Cll Canada, S la Linda Dr, Wiley Way, S Westford St, E Quincy Ave, Bridger, S Castle Cir$621
Aspen, S Casper Way, E Brentwood Ave, Austin Way, E Via Lardo Ave, Albany Cir, N Westhaven St, S Eveningsong Ln, E Country Hollow, Aspenwood Ave$646
N Timbergrove Rd, Kassy Dr, W Southern Ave, N Rushmore St, Gray Ln, E Bottlebrush Dr, S Teri Ln, Furlong Dr, N Pinewood St, N Deep Spring Rd$702
S Pso Bandera, Baldwin Ave, E Autumnridge Ct, W Hoover Ave, Miralago Pl, The City Way E, Oceanview Ave, E Fairfield St, W Crystal View Ave, N Catalina St$638
S Park St, Appleglen Dr, Joshua Tree Cir, E Athens Ave, Halifax Pl, E Birch Tree Ln, N Spinnaker St, S Orange St, S Devon Rd, S Vis del Canon$692

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,361 Homes (14% of total homes ) built between 1980 to 1989 in Orange are paying home insurance between $971-$981. Places close to Orange, CA such as Villa Park, North Tustin, Yorba Linda are more expensive by $109, $61, $41 respectively while Anaheim-Santa Ana-Garden Grove and Anaheim are cheaper by $16 and $26 respectively for similar homes.
  • Bedrooms: 11,861 2 bedrooms homes (26% of total homes ) in Orange are paying about $189. Areas near to Orange such as Villa Park, North Tustin, Tustin are costlier by $21, $12, $6 respectively whereas Anaheim-Santa Ana-Garden Grove and Santa Ana are more economical by $3, $8 respectively for similar homes.
  • Auto Insurance Bundling: 11,797 Households (44% of all households) in Orange have 2 vehicles available and when it is bundled with home insurance you can save $130. Discounts for similar bundling in close by locations such as Villa Park, Anaheim-Santa Ana-Garden Grove, North Tustin come to $144, $128, $138 respectively.
  • Senior Discounts: 12,452 seniors (more than 55 years) occupied housing units (47% of total) in Orange get discounts between $97 to $99. The comparative concessions in proximate regions such as Villa Park, Anaheim-Santa Ana-Garden Grove and North Tustin are $108, $96 and $103 respectively.
  • New Homes discounts: New homes such as the 13,664 homes built between 2000 to 2009 in Orange can save $130 and varies from Villa Park ($144), Anaheim-Santa Ana-Garden Grove ($128), North Tustin ($138).

Orange Homeowners insurance Facts

  • Orange, CA has 26,261 owner occupied houses which is 60.9% of all units whereas Villa Park, Anaheim-Santa Ana-Garden Grove and North Tustin have 95.71%, 56.6% and 89.52% respectively.
  • Orange, CA homeowners yearly insurance price at $651 is 0.12% of the typical house value of $524,700 which is in contrast with 0.07% in Villa Park, 0.14% at Anaheim-Santa Ana-Garden Grove & 0.09% in North Tustin.
  • Homeowners in Orange, CA pay 3.72% of their income ($15,000 to $19,999) in insurance whereas homeowners in Anaheim-Santa Ana-Garden Grove, Anaheim and Tustin pay 3.66%, 3.62% and 3.71% respectively.
  • Orange, CA’s insurance is 2.0% of monthly housing costs of $2,698/month, for owners with a mortgage compared to 1.51% in Villa Park, 2.16% at Anaheim-Santa Ana-Garden Grove & 1.73% in North Tustin. But, for households without a mortgage, insurance is 11.6% of costs ($467 in Orange, CA) in contrast with 6.55% in Villa Park, 11.67% at Anaheim-Santa Ana-Garden Grove & 10.12% in North Tustin.

Orange, CA Home Values & Insurance rates

For example, insurance for 504 Homes (7.0% of total homes ) valued between Less than $50,000 in Orange, CA is about $26. Rates in nearby areas in such as Villa Park, North Tustin, Tustin are cheaper by $12, $6, $1 respectively while Anaheim-Santa Ana-Garden Grove and Anaheim are costlier by $6 and $12 respectively for similar homes.

Orange, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 504 7.0% $26
$50,000 to $59,999 211 3.0% $65
$60,000 to $69,999 136 2.0% $78
$70,000 to $79,999 97 1.0% $91
$80,000 to $89,999 82 1.0% $104
$90,000 to $99,999 68 1.0% $117
$100,000 to $124,999 107 1.0% $130
$150,000 to $174,999 266 3.0% $195
$175,000 to $199,999 276 4.0% $227
$200,000 to $249,999 502 7.0% $273
$250,000 to $299,999 849 12.0% $338
$300,000 to $399,999 3,525 52.0% $429

Renters Insurance in Orange

  • Average Renters Insurance in Orange :  $90($7/month)

  • Median Gross Rent in Orange :  $1,459

  • Orange Renters Insurance to Median Rent Ratio:  0.48%

  • Average household size of renter-occupied unit :  3.14

Orange Renters Insurance as a Percentage of Rent

Orange Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 202 1.0% $772
$300 to $499 393 2.0% $1222
$500 to $749 423 2.0% $1897
$750 to $999 1,278 7.0% $2647
$1,000 to $1,499 6,569 39.0% $3772
$1,500 or more 7,597 45.0% $5422

Rent Affordability in Orange:

Approximately 48.0% (8,170) of households are spending more than 35% of their income on gross rent in Orange

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,572 9.0%
15.0 to 19.9 percent 1,746 10.0%
20.0 to 24.9 percent 2,015 11.0%
25.0 to 29.9 percent 1,797 10.0%
30.0 to 34.9 percent 1,555 9.0%
35.0 percent or more 8,170 48.0%

Protective device discount in Orange Up to :  $13

Claims-free discount in Orange Up to :  $18