Orange ,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 Orange, 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 Orange, CA is $1401. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Orange, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Orange, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $560 |
| $200,000 | $953 |
| $300,000 | $1,177 |
| $400,000 | $1,793 |
| $500,000 | $2,256 |
Home insurance costs in Orange 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 |
|---|---|
| 092867 | $1,347 |
| 92869 | $1,344 |
| 92866 | $1,333 |
| 92865 | $1,318 |
| 92868 | $1,290 |
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 Orange, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,436 |
| $1000 Deductible | $1,285 |
| $1500 Deductible | $1,212 |
| $2500 Deductible | $1,093 |
| $5000 Deductible | $925 |
| Home Insurance Company Near Orange, CA | Homeowners Insurance Agency Near Orange, CA | Address |
|---|---|---|
| Travelers | New Century Insurance Services Inc | 16 N SECOND ST, ALHAMBRA, CA, 91801 |
| State Farm | Suzanne Flores | 4788 Peck Rd, El Monte, CA, 91732-1349 |
| State Farm | Yvonne Solis | 1375 W Sunset Blvd, Los Angeles, CA, 90026-4449 |
| State Farm | Adolfo Saldana | 7344 Magnolia Ave Ste 100, Riverside, CA, 92504-3819 |
| Travelers | Beall Financial & Ins Serv Inc | 130 W Vine St, REDLANDS, CA, 92373 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Villa Park city, California | $108 | $144 | $216 |
| Anaheim-Santa Ana-Garden Grove CCD, Orange County, California | $96 | $128 | $192 |
| North Tustin CDP, California | $104 | $138 | $207 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Orange, CA | 2.0% | 11.6% |
| Villa Park | 1.51% | 6.55% |
| Anaheim-Santa Ana-Garden Grove | 2.16% | 11.67% |
| North Tustin | 1.73% | 10.12% |
| 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 |
| Streets in Orange Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Orange | $97 to $99 |
| Villa Park | $108 |
| Anaheim-Santa Ana-Garden Grove | $96 |
| North Tustin | $103 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Chubb/Federal | 808 |
| 300000 | 500 | New | CSE Safeguard | 759 |
| 300000 | 500 | New | Kemper | 671 |
| 500000 | 1000 | New | Pacific Property And Casualty | 604 |
| 500000 | 2500 | New | CSE Safeguard | 799 |
| 750000 | 2500 | New | Oregon Mutual | 839 |
| 150000 | 500 | 1-3 Years | General Ins | 267 |
| 150000 | 500 | 1-3 Years | IDS Property Casualty | 459 |
| 250000 | 1000 | 1-3 Years | Mercury Ins Group | 352 |
| 400000 | 1000 | 1-3 Years | Unigard Group | 808 |
| 500000 | 1000 | 1-3 Years | MAPFRE Group | 1049 |
| 150000 | 250 | 4-6 Years | California Casualty | 610 |
| 200000 | 500 | 4-6 Years | Bankers Standard | 1842 |
| 200000 | 500 | 4-6 Years | Integon/National | 765 |
| 250000 | 500 | 4-6 Years | Tokio Marine America | 498 |
| 300000 | 500 | 4-6 Years | General Ins | 554 |
| 300000 | 500 | 4-6 Years | Privilege Underwriters Exch | 1549 |
| 250000 | 1000 | 7-15 Years | CSE Safeguard | 804 |
| 250000 | 1000 | 7-15 Years | Stillwater Ins Co | 682 |
| 250000 | 500 | 7-15 Years | Universal North America | 721 |
| 500000 | 1000 | 7-15 Years | Homesite | 1114 |
| 500000 | 1000 | 7-15 Years | Pacific Specialty | 1327 |
| 500000 | 1000 | 7-15 Years | Wawanesa | 1121 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $4,500 |
| Yearly Orange Homeowner Insurance Premium Example | $2,100 | $1,600 |
| Out of Pocket Expense During Claim | $1,500 | $4,500 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $16,200 | $15,700 |
| Net Savings to Orange Home Owner from High Deductible Plan | $500 | |
| Scenario | Orange, CA Home Replacement Value MORE than Home Value | Orange, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $807,500 | $562,500 |
| Insurance Premium based on Replacement Value | $2,500 | $1,750 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $99,500 | Risk Exposure from Under Insuring Coverage is $145,500 |
| Premium Impact | Insurance cheaper by $450/year | Insurance costlier by $300/year |
| Insurance Company | Farmers Insurance | Travelers | Nationwide Insurance |
| Monthly Premium | 53 | 226 | 48 |
| Year Built | 1988 | 1967 | 1995 |
| Home Details | 4 Beds, 2 Baths | 5 Beds, 2 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $400000-$500000 | $800000-$900000 | $250000-$300000 |
| Deductible | > $10,000 Deductible | $500 Deductible | $5000 to $10,000 Deductible |