Orange County Insurance Rates:

Orange County, CA homeowners insurance is approximately $556 to $750, about $46-$62/month. Our comprehensive analysis indicates shoppers can save as much as $261 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the Average Cost of Homeowners Insurance in Orange County, CA

The average cost of homeowners insurance in Orange County, CA, is $1788. Homeowners in Orange County, CA, can further lower their home insurance rates offered by insurance providers.

Orange County is situated in the Los Angeles metropolitan area in Southern California. It's known for its Disneyland Resort, Knott's Berry Farm, and surfing beaches. Newport Beach is home to Balboa Island, a tiny strip of land surrounded by water accessed via a bridge or ferry. The frequency of earthquakes and tornadoes is much higher than the California average, making it more vulnerable to property damage. Do you think you can financially fund a considerable amount to rebuild the house during such a catastrophic loss?

Therefore, homeowners insurance in Orange County, CA, is a wise investment to safeguard your family and home. Homeowners can witness the high cost of home insurance in Orange County, CA.

Cost of insurance based on the deductibles in Orange County, CA

Most people frequently learn about the deductibles when shopping for homeowners insurance in Orange County, CA. A deductible is an amount for which the insured must be accountable before the insurance company pays a claim.

In Orange County, CA, homeowners paying a deductible of 1500 and 2000 pay a premium of $1504.42 and $1365.67. In contrast, homeowners paying a deductible of 500 and 1000 pay $1766.54 and $1598.11, respectively. Therefore, the higher the deductible, the lower the premium.

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Cost of insurance based on the safety features in Orange County, CA

Cutting down on Orange County home insurance is relatively easy. Most residents install safety features like fire alarm systems or home monitoring systems to cut down on home insurance in Orange County, CA. This reduces the risk of disaster or theft, allowing insurers to lower your premiums.

For instance, homes with deadbolts will block all the primary entry points for the burglar to breakthrough into the house. It will reduce the possibility of theft. Homes with deadbolts pay $1555.56 on home insurance in Orange County, CA. With more advanced features, the premium on home insurance will reduce.

Cost of insurance based on the materials used in Orange County, CA

You can reduce your annual home insurance premium by incorporating sturdy and damage-free materials into the build of your home. Adding a storm shutter or impact-resistant roofing to your home can get you a discount on the insurance cost. Homeowners who used masonry and fire-resistive brick to build their homes pay $1698.6 and $1609.2, respectively, on homeowners insurance in Orange County, CA.

Orange County, CA Homeowners Insurance By Home Value

Orange County, CA Home Value Total Homes % of Total Average Orange County, CA Homeowners Insurance
Less than $50,000 13,844 7.0% $26
$50,000 to $59,999 3,472 1.0% $58
$60,000 to $69,999 2,641 1.0% $78
$70,000 to $79,999 2,330 1.0% $84
$80,000 to $89,999 2,634 1.0% $97
$90,000 to $99,999 1,881 1.0% $111
$100,000 to $124,999 6,717 3.0% $130
$125,000 to $149,999 4,210 2.0% $163
$150,000 to $174,999 7,062 4.0% $195
$175,000 to $199,999 6,429 3.0% $222
$200,000 to $249,999 18,596 10.0% $267
$250,000 to $299,999 24,462 13.0% $333
$300,000 to $399,999 81,025 46.0% $424

Cost Of Homeowners Insurance By Street Near Orange County, CA

Streets in Orange County Area Homeowners Insurance Cost
el Monterey Ave, E Peacock Ln, Woodside Ln, Tidepool Cir, French Ct, Hale Ave, Morning Mist, el Valle Ave, Blackfoot Dr, Saddleback Ct$666
Hillsford Pl, Baxter, Via Indomado, Barbados Dr, Gifford St, Peachwood, Southridge Dr, Sprucewood, Shawnee Rd, el Montanero$684
Olde Berry, Anzio Ct, la Casa Ave, W Tiller Ave, N Bradford Ave, Beechwood Way, Earthen Ct, Palmdale St, Stone Canyon Way, Puente Ave$702
E Craig Dr, N Wedgewood Dr, Ora Dr, W Regent Dr, E Live Oak Ct, Shields Dr, Nadine Cir, E Orangeview Ln, Rancho Viejo Rd, S Prospect St$624
Ceylon Dr, Santa Margarita Pl, Blue Bird Dr, Morro Bay Dr, Hilltop Way, Sarah Pl, Boardwalk Dr, Ave de la Vis, Loma Alta Dr, Sparta$None
McBride River Ave, Cll Manzana, Escapade Ct, Caltrop Way, E Lambda Pl, Pso Rincon, N Highland Ave, Regis Way, Estampida, Pso de la Cumbre$659
Woodhaven Ln, Wagon Wheel Dr, Galway Dr, Ambar, Village Way, Down Dr, Palomino, Catamaran Ln, Fresno Cir, Bel Air St$656
Taylor, Gunderson Dr, Cory Dr, Vantis Dr, Ariana, Barr Ln, E Valleyview Dr, Oakhaven Dr, Cll Prospero, W Blue Violet Ct$None
Oak Cir, Maremma Ln, N Columbine St, Goshen, Cedarbrook Cir, W Sunswept Ave, S Lime St, Cll del Tesoro, Balboa Ln, Wilson Ave$636
E Eastwood Dr, Monte Vis, Coast Hwy, E Marywood Dr, E Catamaran Ln, Workman Cir, Yacht Truant, Bristlecone, Pershing Way, Via Otono$635

Orange County, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Orange County$97 to $99
Irvine$100
Irvine-Lake Forest$99
Tustin$97

Orange County, 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
Irvine city, California $101 $134 $201
Irvine-Lake Forest CCD, Orange County, California $99 $132 $198
Tustin city, California $97 $129 $194

Orange County, 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 County, CA2.0%10.7%
Irvine1.86%9.08%
Irvine-Lake Forest1.96%9.3%
Tustin1.91%9.73%

Orange County Renters Insurance as a Percentage of Rent

Orange County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 5,080 1.0% $771
$300 to $499 7,377 1.0% $1221
$500 to $749 10,366 2.0% $1896
$750 to $999 29,718 7.0% $2646
$1,000 to $1,499 149,119 37.0% $3771
$1,500 or more 190,895 48.0% $5421

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewCalifornia Capital371
150000250NewHomesite850
150000500NewIDS Property Casualty357
150000500NewNationwide343
200000500NewGeneral Ins262
2500001000NewForemost Insurance811
2500001000NewIDS Property Casualty492
250000500NewWawanesa596
300000500NewAmco539
5000001000NewBankers Standard1675
5000001000NewSafeco856
5000002500NewMercury Ins Group500
1500005001-3 YearsFarmers (Fire Ins)524
25000010001-3 YearsCSE Safeguard507
2500005001-3 YearsNationwide610
2500005001-3 YearsOregon Mutual534
40000010001-3 YearsFirst American Ins741
40000010001-3 YearsTravelers702
2000005004-6 YearsMAPFRE Group528
3000005004-6 YearsGrange811
40000010004-6 YearsState Farm918
50000010004-6 YearsStillwater Prop & Cas Co1128
1500002507-15 YearsHartford (Sentinel)735
1500002507-15 YearsQBE (Balboa)567

Latest Home Insurance Reviews by Location

Orange, CA

State Farm
I currently have no experience with home owners/renters insurance. I have not actually purchased it or felt the need to do so. Therefore I can not give a good rating based off of my experience.
Read more Orange home insurance reviews

San Juan Capistrano, CA

Farmer's Insurance
If you want a company that will handle any issues pretty easily then sure but I wouldn't pick them if you were looking for the best rates
Read more San Juan Capistrano home insurance reviews

Mission Viejo, CA

Travelers
I am completely satisfied with Traveler's compared to other insurance providers because they offer good coverage for a reasonable cost. Therefore, I would rate them a 5.
Read more Mission Viejo home insurance reviews

Fountain Valley, CA

Allstate
I have been with Allstate Ins for 11 years and overall experience with them has been great.They have my Home, renters and Auto policy. Great Ins company.
Read more Fountain Valley home insurance reviews

Placentia, CA

State Farm
I would recommend this company. They take care of their customers needs whenever there is a problem and help you get through any claims as quickly and painlessly as possible.
Read more Placentia home insurance reviews

Buena Park, CA

Progressive
I would absolutely recommend Progressive for home insurance. I have been completely satisfied with my premiums, as well as the level of customer service and coverage options!
Read more Buena Park home insurance reviews

Anaheim, CA

Geico
The deductible is higher than normal but that's because I chose to have it that way. The amounts are competitive compared to other policies.
Read more Anaheim home insurance reviews

Santa Ana, CA

Progressive
I would recommend it. It isnt bad, I just have never used it before to be able to get an good opinion on the claims process.
Read more Santa Ana home insurance reviews

San Clemente, CA

Allstate
Allstate is a good company with a long reputation. They have good commercials but seem to be a little higher priced than others.
Read more San Clemente home insurance reviews

Fullerton, CA

Allstate
The people at our company are very friendly and competent. They helped us work with our bank to insure our home loan and keep communication flowing smoothly.
Read more Fullerton home insurance reviews

Costa Mesa, CA

Allstate
I would recommend this company to my known friends and relatives as it gives a full package at a nominal cost.
Read more Costa Mesa home insurance reviews

Dana Point, CA

State Farm
State Farm has always been easy to work with and help us save money after switching from Nationwide. I would highly recommend others to switch.
Read more Dana Point home insurance reviews

Laguna Hills, CA

Progressive
The premium and deductible on my insurance is mostly reasonable. However, in these tough financial times, I would prefer to have them lowered.
Read more Laguna Hills home insurance reviews

Yorba Linda, CA

State Farm
Having recently compared the cost of our insurance to competitors I found that it is slightly more. We decided that for the great customer service we receive, it is not work the cost of switching.
Read more Yorba Linda home insurance reviews

Garden Grove, CA

Farmer's Insurance
I would think my home owners. Is about the same as other ins rates. I would rate them as a 5 .
Read more Garden Grove home insurance reviews

Laguna Niguel, CA

Travelers
I would recommend them. I have no issues with them. They're fine.
Read more Laguna Niguel home insurance reviews

Newport Beach, CA

State Farm
We bundle our home and auto and absolutely love the company. They provide great customer service as well as affordable coverage. We don't see ourselves changing companies.
Read more Newport Beach home insurance reviews

Stanton, CA

Nationwide
i recommend it because they policy doesnot only cover disasters when they attack but also offers covers for new brand belongings.if you want to replace something in your home.
Read more Stanton home insurance reviews

Huntington Beach, CA

Mercury
The premium and deductible are reasonable compared to other companies. Besides, they offer earthquake insurance which is a plus for home owner.
Read more Huntington Beach home insurance reviews

La Habra, CA

State Farm
I would definitely recommend State Farm Insurance Company to others. We like that they offer discounts, good customer discounts, and bundling insurances together.
Read more La Habra home insurance reviews

Brea, CA

State Farm
My premium is rather expensive but it gives me a piece of mind when it comes to having great coverage. Many offer low cost insurance but it barely covers what I need.
Read more Brea home insurance reviews

Cypress, CA

Geico
You can do so much on-line with them, plus I know from hitting a deer and totaling my car that their claims process is very quick and easy - they take care of virtually everything for you.
Read more Cypress home insurance reviews

Irvine, CA

Geico
I currently rate my home insurance company's customer service as a 5. They have a very user friendly website and any questions have been answered in a timely and professionally polite manner.
Read more Irvine home insurance reviews

Lake Forest, CA

Allstate
Allstate company offers a wide range of options for us to choose the deductible and also a higher premium for Reimbursement provision.
Read more Lake Forest home insurance reviews

Tustin, CA

Allstate
I haven't had home insurance before. Because of this, I have never had an interaction with a home insurance company. I can't rate my experiences on this.
Read more Tustin home insurance reviews

Westminster, CA

Allstate
I would recommend them because they are a premium insurance company that gives you complete coverage on whatever you need insurance for. It is a little on the high side price wise.
Read more Westminster home insurance reviews

Rancho Santa Margarita, CA

Farmer's Insurance
We were given several package options, each with subgroup options for deductibles and individual types of coverages included. Our deductible is exactly where we need it.
Read more Rancho Santa Margarita home insurance reviews

Aliso Viejo, CA

Allstate
I don't know. They are fine. I would say I'm a 3 on the satisfied scale, as I think insurance is just a waste of money.
Read more Aliso Viejo home insurance reviews

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