Orange Insurance Rates:

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.

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Home Insurance Companies in Orange, CA: Customer-Reviewed Options

 

Orange, CA Homeowners Insurance Rates by Coverage Level

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

 

Orange, CA Homeowners Insurance Rates by ZIP Code

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

 

Orange, CA Homeowners Insurance Deductibles

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

 

 


Top Home Insurance Agents Near Orange, CA

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

Orange, CA Home Insurance Agents for Top Companies

 

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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Orange, CA2.0%11.6%
Villa Park1.51%6.55%
Anaheim-Santa Ana-Garden Grove2.16%11.67%
North Tustin1.73%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

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

PlaceSavings For Senior Occupied Homes
Orange$97 to $99
Villa Park$108
Anaheim-Santa Ana-Garden Grove$96
North Tustin$103

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewChubb/Federal808
300000500NewCSE Safeguard759
300000500NewKemper671
5000001000NewPacific Property And Casualty604
5000002500NewCSE Safeguard799
7500002500NewOregon Mutual839
1500005001-3 YearsGeneral Ins267
1500005001-3 YearsIDS Property Casualty459
25000010001-3 YearsMercury Ins Group352
40000010001-3 YearsUnigard Group808
50000010001-3 YearsMAPFRE Group1049
1500002504-6 YearsCalifornia Casualty610
2000005004-6 YearsBankers Standard1842
2000005004-6 YearsIntegon/National765
2500005004-6 YearsTokio Marine America498
3000005004-6 YearsGeneral Ins554
3000005004-6 YearsPrivilege Underwriters Exch1549
25000010007-15 YearsCSE Safeguard804
25000010007-15 YearsStillwater Ins Co682
2500005007-15 YearsUniversal North America721
50000010007-15 YearsHomesite1114
50000010007-15 YearsPacific Specialty1327
50000010007-15 YearsWawanesa1121

 


Orange, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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 InsuranceTravelersNationwide Insurance
Monthly Premium 5322648
Year Built 198819671995
Home Details 4 Beds, 2 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$800000-$900000$250000-$300000
Deductible > $10,000 Deductible$500 Deductible$5000 to $10,000 Deductible