Orange, CA Home Insurance - Analysis On Quotes, Rates & Agents
Orange Insurance Rates:
Orange, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
Safeco InsuranceThe company is fairly easy to reach by phone and i have always had good interactions with the customer reps.
State FarmI am currently unable to receive all notifications or billing notices electronically. as an environmentally conscious consumer, i prefer that all communication has to be done through email or the website instead of wasting paper on monthly statements.
NationwideI do not necessarily like we do pay extra premiums for having a trampoline and a swimming pool, as we do have a six-foot privacy fence which is padlocked.
State FarmCould be a little lower. The house isn't that valuable. Nor is there much of any real value in i.e. don't know what other companies would offer because I've never checked. It's just too much of a hassle to deal with that.
State FarmMy company has done everything they can, to keep me because I moved over 200 miles away from my agent and they personally offered to make the drive for any damage surveying that might ever need to be done in the future. They are always more than helpful and very friendly
Liberty MutualI like how easy it is to report a claim. I like how they keep the interface simple and easy to navigate as well.
State FarmIt's fully trustful company in national wise. We have no worry about claiming amount. Over all is good Each
State FarmI like that I can call and speak to Steve. We have been Steve's customers for twenty years and I trust him. I never have to explain much or tell him annoying stuff like what's my policy number. Steve just knows and takes care of things.
NationwideI rate Nationwide on a scale of 4. One reason I believe is that the rates could be lowered just a bit in my zip code area.
AllstateI do not know what other insurance companies charge but I do feel it is a bit high if I am having to pay them every month I think it should be lower
State FarmTHERE IS NOTHING DISLIKE ABOUT THE COMPANY
State FarmI wish the premiums would adjust based on how long you have been with the company and the fact that you are not a risk.
AllstateAllstate so far has been more affordable and our agent is so much better than our prior company.
AaaThe promotional offerings has always been great and responsive so there are no issues in this department.
AllstateI would recommend Allstate, with some reservations. I would rate my satisfaction as a 4. My homeowner's insurance rate is great, and they cover a great deal for the regular price and a few things for an additional cost. My only reservation is that they require you to have at least two policies with them. I have homeowners and life insurance. I only wanted the homeowners insurance with them. They are very responsive with my claims, as I have only filed one claim. Overall, they are a great company.
ProgressiveThe people are very helpful. The price is competitive and they also let you combine home and auto which is very helpful.
TravelersThe only complaint I have is that the premium is extremely high in general. For our area it is good, but for national levels it is high.
Allstatethis is the best company to deal with everyone and I would like to prefer this company than remaining
Stillwater Insurance GroupWe''ve had the company forever. They've seen us through several storms--and at least two new roofs, a van running into the side of our house and taking out the whole center section. They've always been here, been available, ready to assist and give good counsel and paying up hasn't been a problem. We've happy to have this company.
Orange, CA Homeowners Insurance By Home Value
| Orange, CA Home Value | Total Homes | % of Total | Average Orange, CA 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 |
Top Home Insurance Agents Near Orange, CA
| Home Insurance Company Near Orange, CA | Homeowners Insurance Agency Near Orange, CA | Address |
|---|---|---|
| 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 |
| 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 |
Cost Of Homeowners Insurance By Street Near Orange, CA
| 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 |
Orange, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Orange | $97 to $99 |
| Villa Park | $108 |
| Anaheim-Santa Ana-Garden Grove | $96 |
| North Tustin | $103 |
Orange, 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 |
|---|---|---|---|
| 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 |
Orange, CA Area Home Insurance as a % of Housing Cost
| 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 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% | $5422 |
Average Cost Of Home Insurance By Company In Areas Nearby Orange For Different Scenarios
| Coverage ($) | 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 |
Orange, CA Home Insurance Costs With Deductible Scenario
| 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 | |
Orange, CA Home Insurance Costs With Home Replacement Value Scenarios
| 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 |
Example Orange Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| 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 |
Sample Home Insurance Rates for Orange, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1965 | 545,000 | Composition Roof | 2,410 | 4 | $1000-$2500 Deductible | 300 | 3 | Stone Siding | yes |
| 1995 | 485,000 | Shingles Roof | 1,780 | 2 | $1000-$2500 Deductible | 630 | 8 | Brick siding | yes |
| 1979 | 475,000 | Wood Shake Roof | 1,800 | 4 | $2500-$5000 Deductible | 560 | 8 | Vinyl siding | No |
| 1969 | 1,275,000 | Wood Shake Roof | 4,270 | 5 | $2500-$5000 Deductible | 1990 | 12 | Fiber-Cement Siding | yes |
| 1995 | 575,000 | Shingles Roof | 2,190 | 3 | $5000 to $10,000 Deductible | 430 | 5 | Brick siding | yes |
| 1964 | 425,000 | Wood Shake Roof | 1,950 | 5 | $500- $1000 Deductible | 560 | 5 | Wood siding | yes |
| 1994 | 535,000 | Tile Roof | 2,270 | 3 | $2500-$5000 Deductible | 700 | 6 | Stone Siding | yes |
| 1988 | 475,000 | Wood Shake Roof | 1,710 | 4 | $2500-$5000 Deductible | 670 | 6 | Stucco siding | yes |
| 1960 | 955,000 | Wood Shake Roof | 4,130 | 5 | $1000-$2500 Deductible | 830 | 5 | Vinyl siding | yes |
| 1998 | 325,000 | Wood Shake Roof | 1,260 | 2 | $2500-$5000 Deductible | 410 | 7 | Stone Siding | yes |
| 1964 | 845,000 | Composition Roof | 3,140 | 4 | $1000-$2500 Deductible | 580 | 4 | Brick siding | yes |
| 1975 | 955,000 | Asphalt Shingles Roof | 4,410 | 5 | $2500-$5000 Deductible | 1580 | 10 | Brick siding | No |
| 1999 | 395,000 | Wood Shake Roof | 1,330 | 3 | $500- $1000 Deductible | 730 | 8 | Wood siding | yes |
| 1995 | 830,000 | Slate Shingles Roof | 3,260 | 5 | $5000 to $10,000 Deductible | 500 | 5 | Fiber-Cement Siding | No |
| 1967 | 1,030,000 | Membrane Roof | 4,420 | 5 | $5000 to $10,000 Deductible | 760 | 4 | Stucco siding | No |
| 1960 | 250,000 | Slate Shingles Roof | 1,110 | 2 | > $10,000 Deductible | 140 | 4 | Stone Siding | yes |
| 1995 | 575,000 | Slate Shingles Roof | 2,230 | 4 | $500- $1000 Deductible | 1500 | 10 | Brick siding | No |
| 1974 | 430,000 | Asphalt Shingles Roof | 1,740 | 3 | $1000-$2500 Deductible | 850 | 8 | Brick siding | No |
| 1991 | 970,000 | Composition Roof | 4,000 | 5 | $1000-$2500 Deductible | 1360 | 8 | Wood siding | yes |
| 1975 | 840,000 | Membrane Roof | 3,270 | 4 | > $10,000 Deductible | 730 | 6 | Stone Siding | yes |
| 1973 | 370,000 | Asphalt Shingles Roof | 1,430 | 3 | $500- $1000 Deductible | 260 | 3 | Fiber-Cement Siding | No |
| 1994 | 225,000 | Composition Roof | 1,060 | 2 | $1000-$2500 Deductible | 410 | 9 | Wood siding | yes |
| 1967 | 410,000 | Wood Shake Roof | 1,550 | 3 | $500 Deductible | 400 | 4 | Stone Siding | No |
| 1984 | 495,000 | Membrane Roof | 2,380 | 5 | $500- $1000 Deductible | 900 | 8 | Wood siding | yes |
| 1989 | 895,000 | Metal Roof | 3,950 | 5 | $500 Deductible | 520 | 2 | Brick siding | No |
| 1964 | 1,260,000 | Asphalt Shingles Roof | 4,540 | 5 | $5000 to $10,000 Deductible | 1980 | 12 | Stucco siding | yes |
| 1998 | 565,000 | Metal Roof | 2,690 | 4 | $1000-$2500 Deductible | 560 | 5 | Stucco siding | yes |
| 1995 | 495,000 | Shingles Roof | 1,750 | 4 | $500- $1000 Deductible | 720 | 6 | Stucco siding | yes |
| 1984 | 770,000 | Composition Roof | 2,660 | 4 | $5000 to $10,000 Deductible | 560 | 6 | Vinyl siding | yes |
| 1982 | 545,000 | Tile Roof | 1,772 | 4 | $5000 to $10,000 Deductible | 1230 | 8 | Wood siding | yes |