Anaheim ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Anaheim, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Anaheim, CA is $1381. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Anaheim, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Anaheim, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $552 |
| $200,000 | $939 |
| $300,000 | $1,160 |
| $400,000 | $1,768 |
| $500,000 | $2,223 |
Home insurance costs in Anaheim can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 092808 | $1,353 |
| 92807 | $1,335 |
| 92806 | $1,311 |
| 92804 | $1,304 |
| 92802 | $1,301 |
| 92805 | $1,302 |
| 92801 | $1,293 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Anaheim, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,416 |
| $1000 Deductible | $1,266 |
| $1500 Deductible | $1,195 |
| $2500 Deductible | $1,077 |
| $5000 Deductible | $911 |
| Home Insurance Company Near Anaheim, CA | Homeowners Insurance Agency Near Anaheim, CA | Address |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Anaheim, CA | 2.2% | 11.1% |
| Yorba Linda | 1.7% | 8.31% |
| Villa Park | 1.51% | 6.55% |
| Orange | 2.01% | 11.62% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Anaheim | $94 to $97 |
| Yorba Linda | $101 |
| Villa Park | $108 |
| Orange | $97 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | AAA (Interinsurance Exchange) | 159 |
| 250000 | 1000 | New | American Reliable | 544 |
| 250000 | 1000 | New | American Security | 467 |
| 250000 | 500 | New | American Modern | 789 |
| 300000 | 500 | New | Century National | 680 |
| 300000 | 500 | New | Safeco | 629 |
| 150000 | 500 | 1-3 Years | Stillwater Prop & Cas Co | 414 |
| 200000 | 500 | 1-3 Years | AIG Prop Cas | 828 |
| 250000 | 1000 | 1-3 Years | Stillwater Prop & Cas Co | 524 |
| 500000 | 2500 | 1-3 Years | California Casualty | 628 |
| 500000 | 2500 | 1-3 Years | Liberty Ins Corp | 888 |
| 200000 | 500 | 4-6 Years | Nationwide | 598 |
| 200000 | 500 | 4-6 Years | USAA | 462 |
| 250000 | 1000 | 4-6 Years | Metropolitan Direct | 568 |
| 300000 | 500 | 4-6 Years | Bankers Standard | 1986 |
| 400000 | 1000 | 4-6 Years | CSE Safeguard | 851 |
| 400000 | 1000 | 4-6 Years | Foremost Insurance | 1384 |
| 500000 | 1000 | 4-6 Years | Wawanesa | 1106 |
| 500000 | 2500 | 4-6 Years | Bankers Standard | 1784 |
| 150000 | 500 | 7-15 Years | Homesite | 972 |
| 200000 | 500 | 7-15 Years | Oregon Mutual | 768 |
| 250000 | 1000 | 7-15 Years | Mercury Ins Group | 493 |
| 300000 | 500 | 7-15 Years | Grange | 922 |
| 150000 | 250 | 16-25 Years | Tokio Marine America | 391 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $4,200 |
| 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 | |
| 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 |
| Insurance Company | State Farm | Farmers Insurance | Allstate |
| Monthly Premium | 52 | 92 | 82 |
| Year Built | 1983 | 1996 | 1964 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $350000-$400000 | $400000-$500000 | $300000-$350000 |
| Deductible | > $10,000 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |