Anaheim Insurance Rates:

Anaheim, CA homeowners insurance is roughly $539 to $728, about $44-$60/month. Our comprehensive analysis shows customers can save upto $253 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Anaheim, CA Homeowners Insurance Cost

Anaheim, California homeowners are paying an average of $1583 in home insurance each year. Factors that affect the cost of a policy include coverage type, deductible and age or material used to build your house. In general it is difficult to compare rates across providers since premiums can vary significantly based on factors like the amount you want covered (coverage) and how willing you are to pay out-of-pocket costs before receiving any compensation from your insurer (deductible).Below is the summary of average home insurance costs available to Anheim Homeowners based on the coverage and other variables.

Average Insurance Cost Based on Deductible.


Homeowners can buy cheap home insurance rates based on the coverage. The amount that is covered for an individual by their service provider, correlates to how much they want to be cover and higher amounts of coverage come with a cost; meaning homeowners will have higher monthly premiums if they choose more protection from their insurer. Anaheim homeowners paying a coverage of $1,00,000  can avail of home insurance for $352.23 . Homeowners receive insurance for $1570.99 and $2010.86, respectively, on coverages $400,000 and $500,000.

There are many ways to save money on home insurance, and choosing a high deductible is one of the easiest. Homeowners in Anaheim can get $1137 worth of coverage for as little as $2500 with an attractive discount available by opting for higher deductibles.Homeowners receive insurance for $1209 and $1332 respectively, on deductibles $2000 and $1500.

When it comes to home insurance, new developments are often cheaper and more common than older homes. This is especially true in Anaheim where newly constructed houses can avail lower insurance rates because newer buildings have a lesser threat of damage from potential events like fire or theft. As a result, home-insurance companies offer substantial discounts for recently built properties. For Instance newly constructed Anaheim homes can avail lower insurance of $1219 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. On the other hand, older homes attract higher insurance rates, since they are more prone to damage. As a result, Anaheim homes older than 40 and 50 years receive an additional cost of $1624 and $1643, respectively.

The house's construction type is considered an integral factor in determining the cost of home insurance by insurance companies. The more resistant your house is to damage, the less is the average insurance cost.For example, if the house is built with a fire-resistive, homeowners in Anaheim can avail of the insurance for an average cost of $1409. Insurance companies in Anaheim offer home insurance for $1504 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $1441 and $1551 respectively.

Apart from the standard features that insurance companies look for when determining rates, homeowners can get cheap home insurance rates from their providers based on the security features they have.Homes with good security features or seniors in the household will be offered lower prices for their coverage.

Tips For Choosing The Best Anaheim, CA, Home Insurance Company

In Anaheim, California, homeowners pay an average home insurance rate of $1,583. This is comparatively higher than the national average of $1,438 Below are some of the factors that Anaheim homeowners should keep in mind before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant claims of current policyholders. Anaheim homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Anaheim homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Anaheim homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes differ from one insurance company to another. Anaheim homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles vs. Insurance Rates

Anaheim homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Anaheim homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles. For example, Anaheim homeowners opting for a deductible of $2,500 and $2,000 pay $1,137 and $1,209, respectively, on home insurance.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Anaheim homeowners are suggested to choose home insurance companies that have a simple and swift claims processing system.

Anaheim, CA, Best Homeowners Insurance Companies

Home insurance companies are rated based on different criteria such as financial strength, customer satisfaction, and market share to help homeowners in Anaheim, CA, narrow down the best home insurance company based on their needs.

State Farm

State Farm has become the most preferred home insurance company in most cities, including Anaheim. State Farm has a superior financial ability to grant potential claims of current Anaheim policyholders, and has an A++ rating by A.M. Best. State Farm has a customer satisfaction score of 3/5 from J.D. Power. It occupies the majority of the market share in California, with 17.56%.


Farmers received a financial strength rating of A+ (superior) from A.M. Best and a customer satisfaction score of 3/5 from J.D. Power. Farmers is well known in Anaheim for its swift claims process and also offers mobile claim center buses. NAIC reports that Farmers occupies a market share of 15.97% in California.


CSAA has been awarded a rating of A from A.M. Best for its excellent financial ability in granting potential claims of current Anaheim policyholders. It also holds a customer satisfaction score of 3/5 based on customer feedback curated by J.D. Power. According to the data collected by NAIC, CSAA has a market share of 6.51% in California.


Liberty holds a rating of A from A.M. Best for its excellent financial ability in granting potential claims of current Anaheim policyholders. It has a customer satisfaction score of 2/5 from J.D. Power. In terms of market share, Liberty occupies 6.24% in California.

Auto Club

Auto Club received a rating of A from A.M. Best for its excellent financial ability in granting potential claims of current Anaheim policyholders. J.D. Power awarded a customer satisfaction score of 3/5 to Auto Club. NAIC reports that Auto Club occupies a market share of 6.11% in California.


Anaheim, CA Homeowners Insurance By Home Value

Anaheim, CA Home Value Total Homes % of Total Average Anaheim, CA Homeowners Insurance
Less than $50,000 1,821 8.0% $38
$50,000 to $59,999 234 1.0% $76
$60,000 to $69,999 313 1.0% $95
$70,000 to $79,999 238 1.0% $114
$100,000 to $124,999 657 2.0% $164
$125,000 to $149,999 312 1.0% $209
$150,000 to $174,999 342 1.0% $247
$175,000 to $199,999 719 3.0% $285
$200,000 to $249,999 1,949 8.0% $342
$250,000 to $299,999 2,887 12.0% $418
$300,000 to $399,999 12,447 55.0% $532

Top Home Insurance Agents Near Anaheim, CA

Home Insurance Company Near Anaheim, CA Homeowners Insurance Agency Near Anaheim, CA Address
Travelers Abernathy Insurance Agency Inc 133 E DUARTE RD, ARCADIA, CA, 91006
Travelers Arthur J Gallagher & Co Ins Brokers Of Ca Inc 505 N Brand Blvd #600, Glendale, CA, 91203
Farmers Edmund Janik 3505 Long Beach Blvd Ste 2o, Long Beach, CA, 90807
Allstate Eileen Hovelsen 2440 S Hacienda Blvd Ste 213, Hacienda Heights, CA, 91745
Allstate Lucy Ablaza Viado 17200 Ventura Blvd Ste 305, Encino, CA, 91316

Anaheim, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Anaheim, CA

Streets in Anaheim Area Homeowners Insurance Cost
W Polk Ave, N Siesta St, S Shanada Ct, S Neveen Ln, Baldwin Ave, W Hartford Pl, N Richfield Rd, Canton Ave, N Manchester Ave, N Baxter St$638
Fee Ana St, N Azure St, E Nantucket Ln, Treehouse Ln, Winston St, Cll de Las Estrellas, W Greenleaf Ave, S Page Ct, S Maywood St, Hampton Ave$626
N Torres St, S Emerald St, E Suncrest Rd, S Jacalene Ln, Bates Way, E Hempstead Rd, Cris Ave, N Elder Glen Cir, Elm Cir, S Balcom Ave$638
S Alvy St, S Sherrill St, Bock Ave, E Marita Ln, E Banyan Ln, S Shakespeare St, San Bruno Ave, Richard Pl, Banta Ave, S Bellevue Pl$632
N Citron St, E Plz de Indios, S Mira Ct, S Stinson St, S Lexington Pl, E Santa Ana St, S Level Pl, N Gullotti Pl, W Bellevue Dr, S San Vicente Ln$633
San Felipe Cir, N Almond Dr, W Bowling St, Kennelly Ln, Chapman York Dr, Falmouth Ave, S Gardenia St, E Mill Stream Cir, Blanche Cir, Minuet Ln$634
W Provential Dr, N Roxanne St, N Park Ln, E Buoy Ave, Puryear Ln, N Shady Glen Ln, N Rosemont St, W Skywood Pl, Regina Way, E Saratoga St$628
Lullaby Ln, Wasco Rd, N Cavon Pl, S Fairmont Blvd, W Blue Violet Ct, E Clifpark Way, E Blackbird Ln, E Kentucky Ave, N Rutherford St, Pinyon St$623
E Trapper Trl, W Rainbow Ave, W Sunset Ave, Primrose Dr, N Kroeger St, N Vista Valley Rd, W Catherine Dr, E Arizona Pl, E Moonridge Ln, S Empire St$633
N Charlene Ter, W Banbury Cir, S Sharon Cir, S Towne Centre Pl, Cll Jaime, S Empire St, N Aetna St, N Canal St, Castle Ave, Midwood Ln$668

Anaheim, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Anaheim$94 to $97
Yorba Linda$101
Villa Park$108

Anaheim, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Yorba Linda city, California $85 $113 $169
Villa Park city, California $91 $121 $181
Orange city, California $81 $108 $162

Anaheim, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Anaheim, CA2.2%11.1%
Yorba Linda1.7%8.31%
Villa Park1.51%6.55%

Anaheim Renters Insurance as a Percentage of Rent

Anaheim Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 798 1.0% $781
$300 to $499 1,431 2.0% $1231
$500 to $749 1,366 2.0% $1906
$750 to $999 4,432 8.0% $2656
$1,000 to $1,499 25,209 50.0% $3781
$1,500 or more 16,595 33.0% $5431

Average Cost Of Home Insurance By Company In Areas Nearby Anaheim For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAAA (Interinsurance Exchange)159
2500001000NewAmerican Reliable544
2500001000NewAmerican Security467
250000500NewAmerican Modern789
300000500NewCentury National680
1500005001-3 YearsStillwater Prop & Cas Co414
2000005001-3 YearsAIG Prop Cas828
25000010001-3 YearsStillwater Prop & Cas Co524
50000025001-3 YearsCalifornia Casualty628
50000025001-3 YearsLiberty Ins Corp888
2000005004-6 YearsNationwide598
2000005004-6 YearsUSAA462
25000010004-6 YearsMetropolitan Direct568
3000005004-6 YearsBankers Standard1986
40000010004-6 YearsCSE Safeguard851
40000010004-6 YearsForemost Insurance1384
50000010004-6 YearsWawanesa1106
50000025004-6 YearsBankers Standard1784
1500005007-15 YearsHomesite972
2000005007-15 YearsOregon Mutual768
25000010007-15 YearsMercury Ins Group493
3000005007-15 YearsGrange922
15000025016-25 YearsTokio Marine America391

Anaheim, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Anaheim Homeowner Insurance Premium Example $3,100$2,500
Out of Pocket Expense During Claim$1,200$4,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $19,800$19,200
Net Savings to Anaheim Home Owner from High Deductible Plan $600

Anaheim, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Anaheim, CA Home Replacement Value MORE than Home Value Anaheim, CA Home Replacement Value LESS than Home Value
Replacement Value $457,000 $281,000
Insurance Premium based on Replacement Value $1,500 $925
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $79,000 Risk Exposure from Under Insuring Coverage is $97,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $275/year

Example Anaheim Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceAllstate
Monthly Premium 529282
Year Built 198319961964
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $350000-$400000$400000-$500000$300000-$350000
Deductible > $10,000 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Anaheim, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 595,000 Slate Shingles Roof 3,350 4 $500- $1000 Deductible 1350 8 Stone Siding yes
1990 440,000 Membrane Roof 2,330 5 $2500-$5000 Deductible 700 12 Brick siding No
1960 640,000 Membrane Roof 3,220 4 $2500-$5000 Deductible 210 2 Stone Siding No
1964 310,000 Wood Shake Roof 1,730 2 $500 Deductible 1100 12 Wood siding No
1986 315,000 Slate Shingles Roof 1,430 2 $2500-$5000 Deductible 260 4 Brick siding No
1989 225,000 Slate Shingles Roof 1,350 2 $1000-$2500 Deductible 540 9 Stucco siding No
1972 630,000 Membrane Roof 3,050 4 $500 Deductible 310 2 Fiber-Cement Siding yes
1981 195,000 Slate Shingles Roof 1,060 2 $500 Deductible 270 6 Vinyl siding No
1998 170,000 Wood Shake Roof 950 2 $2500-$5000 Deductible 210 9 Vinyl siding yes
1995 510,000 Composition Roof 3,120 4 $500 Deductible 1520 12 Stucco siding No
1967 255,000 Composition Roof 1,500 5 > $10,000 Deductible 450 10 Stone Siding yes
1966 745,000 Asphalt Shingles Roof 3,170 4 $1000-$2500 Deductible 560 4 Wood siding yes
1974 270,000 Membrane Roof 1,240 2 $500 Deductible 820 10 Wood siding yes
1976 895,000 Composition Roof 3,880 5 $500- $1000 Deductible 1320 5 Stucco siding No
2004 490,000 Membrane Roof 2,470 5 $500 Deductible 1120 12 Fiber-Cement Siding yes
1993 510,000 Shingles Roof 2,080 5 $5000 to $10,000 Deductible 820 10 Stone Siding No
1984 560,000 Shingles Roof 3,140 4 > $10,000 Deductible 450 7 Brick siding No
1966 240,000 Shingles Roof 1,330 2 $500- $1000 Deductible 290 5 Brick siding yes
1970 405,000 Slate Shingles Roof 1,900 3 $2500-$5000 Deductible 90 1 Vinyl siding yes
1978 295,000 Membrane Roof 1,460 3 $500 Deductible 640 9 Stucco siding yes
1999 685,000 Metal Roof 3,190 5 > $10,000 Deductible 820 8 Stucco siding No
1986 310,000 Slate Shingles Roof 1,640 3 $500 Deductible 260 3 Brick siding yes
1977 390,000 Composition Roof 1,620 2 $1000-$2500 Deductible 560 5 Wood siding yes
1991 290,000 Shingles Roof 1,510 2 $2500-$5000 Deductible 260 5 Brick siding yes
2006 430,000 Membrane Roof 2,310 4 > $10,000 Deductible 430 10 Wood siding yes
1963 695,000 Composition Roof 3,950 5 $500 Deductible 440 3 Vinyl siding yes
1961 385,000 Wood Shake Roof 1,880 4 $2500-$5000 Deductible 660 9 Fiber-Cement Siding No
2002 260,000 Tile Roof 1,380 3 $2500-$5000 Deductible 160 4 Stucco siding No
1960 425,000 Tile Roof 2,010 3 $2500-$5000 Deductible 190 3 Stucco siding No
2001 785,000 Tile Roof 3,230 4 $500 Deductible 1560 10 Vinyl siding yes
1997 495,000 Membrane Roof 1,414 1 $500 Deductible 1210 8 Wood siding yes

Latest Home Insurance Reviews

I would recommend progressive to anyone who wants a low cost high benefit company. The customer service is wonderful also
My premium is at a good rate and my deductible is fair for what I pay and am saving by buying my policy through Geico since I get to bundle it with my auto insurance.
State Farm
Our premium is $1826 per year with $1000 deductible. This covers $300,000 for the home itself and $200,000 worth of property inside the home.
State Farm
The premium and deductible of my home insurance policy is comparable to other home insurance policies for the same coverage, and somehow is even less expensive.
State Farm
nice home insurance company because my friends are recommend to me.... and they provide a best service... and i recommend to all friends and families
Allstate seems to offer most/all of the products that other home insurers offer.
State Farm
My insurance company worked a deal through so i could afford my insurance needs. for that, i will stay with them.
Farmer's Insurance
Although they do have good coverage, some of their coverages are not what is implied in the policy. you have to really read the policy and understand what is covered and not covered. the fine print can be easily missed.
My insurance is escrowed as part of my monthly mortgage payments. my bank has dropped the ball a few times on giving nationwide the money they are owed. nationwide has never come after me for the money and has always been patient in working with my bank.
I find the website easy to navigate. I do not have any problems finding the information that I am looking for when I am using their app.
Saving as much money as I do every year by going with this company is enough to make any person happy. The extra friendly agents and staff are just icing on the cake. I have not one complaint about this company and would recommend them to anyone asking me whom I use for my auto and homeowners insurance.
Farmer's Insurance
Overall, I am very happy with Farmers. My agent is top notch and one of those guys you would recommend to everybody.
Liberty Mutual
I kind of dislike the lack of customization available in the plan options. It would be nice to get a plan with a little less coverage in order to cut my cost a little bit. I would also like to be able the pay more per month in order to gain a lower deductible.
I like that customer service is a real person I can talk to. I like that they are prompt in answering my questions. I like that claims are taken care of promptly.
State Farm
The price seems to be the best among other insurance companies. I get prompt response when I call the office.
Allied Insurance
My premium is much lower than what I was previously paying for State Farm. I was able to save a considerable amount each year on my premium.
Been with them for 18 yrs that I've owned my home. My agent's office is a few blocks Away from me So I'm glad he's very local and easily assessable.
Stillwater Insurance Group
I'm happy with the coverage I have and the customer service I have experienced. I have not had a claim or issues yet where I have to interact with them. Overall I'm happy.
I would recommend this homeowners insurance due to the fact that they stand behind their customers. They paid off our mortgage.
The deductible is higher than normal but that's because I chose to have it that way. The amounts are competitive compared to other policies.
State Farm
I like the company because they have been friendly to me and understanding.
I like the way they handled my parents' claims 20+ years ago, and research has shown me that their premium is very reasonable for what's being provided, so I'm happy overall with the company.

How To Make Your Anaheim, CA Home Insurance Cheaper

How Much Does Anaheim, CA Home Insurance Cost?