Garden Grove ,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 Garden Grove, 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 Garden Grove, CA is $1376. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Garden Grove, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Garden Grove, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $550 |
| $200,000 | $936 |
| $300,000 | $1,156 |
| $400,000 | $1,761 |
| $500,000 | $2,215 |
Home insurance costs in Garden Grove 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 |
|---|---|
| 092845 | $1,321 |
| 92841 | $1,308 |
| 92844 | $1,293 |
| 92840 | $1,304 |
| 92843 | $1,299 |
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 Garden Grove, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,411 |
| $1000 Deductible | $1,262 |
| $1500 Deductible | $1,190 |
| $2500 Deductible | $1,073 |
| $5000 Deductible | $908 |
| Home Insurance Company Near Garden Grove, CA | Homeowners Insurance Agency Near Garden Grove, CA | Address |
|---|---|---|
| State Farm | Carlos Luy | 9146 Telegraph Rd, Downey, CA, 90240-2467 |
| Allstate | Jennifer Bell | 1021 E Imperial Hwy Ste G2, Brea, CA, 92821 |
| Allstate | Jose Soberanes | 7710 Limonite Ave Ste B, Riverside, CA, 92509 |
| Travelers | Kinecta Financial & Insurance Services Llc | 13920 CITY CENTER DR STE 220, CHINO HILLS, CA, 91709 |
| NA | Carmack Ins | 4000 Westerly Place, Suite 200 Newport Beach, Newport Beach, CA, 92660 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Stanton city, California | $77 | $102 | $153 |
| Westminster city, California | $80 | $107 | $160 |
| Midway City CDP, California | $78 | $104 | $156 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Garden Grove, CA | 2.4% | 13.9% |
| Stanton | 2.67% | 11.38% |
| Westminster | 2.32% | 11.9% |
| Midway City | 2.66% | 17.1% |
| Garden Grove Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 550 | 2.0% | $782 |
| $300 to $499 | 699 | 3.0% | $1232 |
| $500 to $749 | 705 | 3.0% | $1907 |
| $750 to $999 | 2,300 | 11.0% | $2657 |
| $1,000 to $1,499 | 8,656 | 44.0% | $3782 |
| $1,500 or more | 6,403 | 32.0% | $5432 |
| Streets in Garden Grove Area | Homeowners Insurance Cost |
|---|---|
| Valencia Way, Jane Way, Eugene St, Barker St, Raffia Ct, Penn Way, la Dona Ave, W Henderson Pl, Jenny Ln, Anawood Way | $626 |
| S Willowbrook Ln, Johnston Rd, Haileigh St, Perrin Dr, Hardee Way, Rochelle Ave, Roselee Dr, Shapell St, Laird St, Kedge Ave | $661 |
| Ellery Dr, W Lorane Way, Finchley Ave, Ale Ln, Starboard St, Monte Carlo Dr, Balos Dr, Wickham Pl, W Sim Pl, Poes St | $619 |
| Tristan Dr, Dove Ct, Casa Grande Ave, Iris Dr, Samura Ln, Almondine Dr, Seacrest Cir, Stonegate Ln, Marble Cir, Dorothy Ave | $649 |
| Ravenna Ln, Libby Ln, Melody Cir, Hibiscus Dr, Kent St, Boyd Ave, Elizabeth Ln, Belfast Dr, Glen Cove Dr, Bay Hill Ct | $622 |
| Juniper Ct, Jola Ln, Earle Dr, Richmond Ave, Eleanor Dr, Whitney Cir, W Convention Way, Autumn Ln, W Tonia Pl, Poppy Dr | $623 |
| Dapplegrey Rd, Haven Ln, Troy St, Camo Bluff Ct, Banner Dr, Bradford St, Deanann Pl, Firebrand Cir, Arden St, Richmond Ave | $625 |
| Seneca Dr, Medina Dr, Aldgate Ave, Bobby Ln, Tobie St, Pearce St, Los Altos St, Strathmore Dr, Olympus Dr, Heidi St | $631 |
| Biscayne Blvd, Persimmons Cir, Agnes Stanley St, Stratford Way, Bently Ave, Capri Dr, Andy Reese, Elizabeth St, Orrway Dr, Cobalt Ct | $635 |
| Topaz Cir, McKinley Cir, Reva Dr, Linnell Ave, Malibu Dr, N Newhope St, Garden Dr, Stratford Ave, Pleasant Pl, Spinnaker St | $631 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Garden Grove | $94 to $97 |
| Stanton | $91 |
| Westminster | $96 |
| Midway City | $93 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | Hartford (Sentinel) | 474 |
| 200000 | 500 | New | Tokio Marine America | 232 |
| 250000 | 1000 | New | American Modern | 898 |
| 400000 | 1000 | New | IDS Property Casualty | 693 |
| 500000 | 1000 | New | American Security | 995 |
| 500000 | 1000 | New | California Capital | 927 |
| 750000 | 2500 | New | Stillwater Ins Co | 737 |
| 200000 | 500 | 1-3 Years | Horace Mann P & C | 530 |
| 200000 | 500 | 1-3 Years | Universal North America | 363 |
| 250000 | 1000 | 1-3 Years | California Casualty | 445 |
| 250000 | 1000 | 1-3 Years | Homesite | 792 |
| 250000 | 500 | 1-3 Years | Travelers | 442 |
| 300000 | 500 | 1-3 Years | Mercury Ins Group | 387 |
| 400000 | 1000 | 1-3 Years | Grange | 991 |
| 400000 | 1000 | 1-3 Years | MAPFRE Group | 751 |
| 500000 | 2500 | 1-3 Years | General Ins | 445 |
| 750000 | 2500 | 1-3 Years | Mercury Ins Group | 750 |
| 150000 | 250 | 4-6 Years | Horace Mann | 407 |
| 200000 | 500 | 4-6 Years | QBE (Balboa) | 571 |
| 250000 | 1000 | 4-6 Years | Amica Mutual | 736 |
| 250000 | 1000 | 4-6 Years | First American Ins | 557 |
| 250000 | 500 | 4-6 Years | Mercury Ins Group | 414 |
| 500000 | 1000 | 4-6 Years | Safeco | 1020 |
| 750000 | 2500 | 4-6 Years | American Security | 1921 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $5,200 |
| Yearly Garden Grove Homeowner Insurance Premium Example | $2,600 | $1,600 |
| Out of Pocket Expense During Claim | $1,200 | $5,200 |
| Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim | $14,200 | $13,200 |
| Net Savings to Garden Grove Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Garden Grove, CA Home Replacement Value MORE than Home Value | Garden Grove, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $494,500 | $337,500 |
| Insurance Premium based on Replacement Value | $1,575 | $1,075 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $55,000 | Risk Exposure from Under Insuring Coverage is $102,000 |
| Premium Impact | Insurance cheaper by $325/year | Insurance costlier by $175/year |
| Insurance Company | Travelers | Chubb Group of Insurance | Allstate |
| Monthly Premium | 31 | 78 | 57 |
| Year Built | 1992 | 1976 | 1963 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $175000-$200000 | $500000-$600000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | > $10,000 Deductible | $1000-$2500 Deductible |