Santa Ana Insurance Rates:

Santa Ana ,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 Santa Ana, 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 Santa Ana, CA is $1366. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Santa Ana, CA: Customer-Reviewed Options

 

Santa Ana, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Santa Ana, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Ana, CA.

Coverage Level Average Annual Premium
$100,000 $546
$200,000 $929
$300,000 $1,147
$400,000 $1,748
$500,000 $2,199

 

Santa Ana, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Santa Ana 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
092706 $1,322
92704 $1,291
92701 $1,288
92703 $1,280

 

Santa Ana, 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 Santa Ana, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,401
$1000 Deductible $1,253
$1500 Deductible $1,182
$2500 Deductible $1,065
$5000 Deductible $902

 

 


Top Home Insurance Agents Near Santa Ana, CA

Home Insurance Company Near Santa Ana, CA Homeowners Insurance Agency Near Santa Ana, CA Address
Travelers Insurance Answer Center Llc 15910 VENTURA BLVD 6TH FL, ENCINO, CA, 91436
State Farm John Kerkes 31815 Camino Capistrano Ste 16, San Juan Capo, CA, 92675-3231
State Farm Jon Wiedenman 2750 N Bellflower Blvd Ste 208, Long Beach, CA, 90815-1146
State Farm Kim Sula 517 N Central Ave, Glendale, CA, 91203-1901
Travelers Linn T Hodge & Sons 11150 Olympic Blvd #950 Los Angeles, LA, CA, 90064

Santa Ana, CA Home Insurance Agents for Top Companies

 

Santa Ana, 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
Tustin city, California $81 $108 $162
Fountain Valley city, California $83 $111 $166
Costa Mesa city, California $83 $110 $165

 


Santa Ana, 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
Santa Ana, CA2.5%13.1%
Tustin1.91%9.73%
Fountain Valley2.14%12.32%
Costa Mesa2.03%12.57%

Santa Ana Renters Insurance as a Percentage of Rent

Santa Ana Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 797 2.0% $788
$300 to $499 510 1.0% $1238
$500 to $749 1,314 3.0% $1913
$750 to $999 6,456 17.0% $2663
$1,000 to $1,499 17,685 46.0% $3788
$1,500 or more 10,786 28.0% $5438

Cost Of Homeowners Insurance By Street Near Santa Ana, CA

Streets in Santa Ana Area Homeowners Insurance Cost
Kawaii St, E Wisteria Pl, N Cooper St, Salinaz Dr, S Alpine Rd, S Douglas St, Ashville Way, Greengrove St, N French St, Bradford Pl$591
Village Way, Bolivar Pl, S Virlee St, E 22nd St, Golden West Ave, Porter St, Albion Ave, W Roy Cir, E Myrtle St, Mast Ave$641
Fernwood Dr, Windsor Ln, Bolivar Cir, Pinon Ct, E Walnut St, S Croddy Way, S Laura Linda Ln, S McLean Dr, Keelson Ave, N Stone Pine Glen$630
Sampson Ct, Concord St, W St Gertrude Pl, N Heliotrope Dr, N Minter St, Apple Ln, W Melric Dr, Glendale Ct, Richland St, E Walnut St$599
N French St, Freeman St, Pso Corto, E Alton Ave, Edna Dr, E Griffith Pl, Iverness Way, W Pendleton Ave, N Spruce St, S King St$660
Evonda St, N Glenarbor St, Franklin St, Clementine Ct, Linden Way, Pebble Ct, S Hurley St, Kensington Park Dr, Measor St, Grovemont St$643
Sandstone Dr, Landsdowne Rd, Chatham Dr, W Cll del Sur, Cape Cod Way, Strawberry Ln, Lillian Way, W Ballast Ave, Donwest, S Manitoba Dr$662
W Dahl Ln, First American Way, E Santa Clara Ave, Aston, Royal Ln, E Stanford St, W Monta Vista Ave, S King St, W Saint Gerturde Pl, W St Andrew Pl$620
Capital Ave, N Ponderosa St, W Saint Gertrude Pl, Arden St, Roseleaf Ave, E Jonquil Rd, W Chandler Ave, Encanto, S Glenarbor St, Ethelbee Way$665
Clemensen Ave, S Devon Rd, Duryea Ave, Jennrich Ave, Mabury St, Heights Dr, Meridian Way, Robson Ct, S Joane Way, W Dyer Rd$640

Santa Ana, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Ana$93 to $95
Tustin$97
Fountain Valley$99
Garden Grove$94

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewAIG Prop Cas629
150000500NewGrange329
200000500NewAmco402
200000500NewAmica Mutual535
200000500NewUSAA405
2500001000NewPacific Specialty502
4000001000NewWawanesa798
5000002500NewMercury Ins Group500
7500002500NewAmco963
2000005001-3 YearsPacific Specialty510
2000005001-3 YearsUniversal North America437
3000005001-3 YearsCalifornia Capital663
3000005001-3 YearsHorace Mann P & C635
50000010001-3 YearsAmerican Modern1571
50000010001-3 YearsPacific Specialty1156
50000025001-3 YearsAmerican Reliable947
50000025001-3 YearsMetropolitan Direct755
75000025001-3 YearsGeneral Ins831
75000025001-3 YearsNationwide1298
1500002504-6 YearsCalifornia Casualty579
1500005004-6 YearsAAA (Interinsurance Exchange)330
2500005004-6 YearsCSE Safeguard722
3000005004-6 YearsFarmers (Fire Ins)1253

 


Santa Ana, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Santa Ana Homeowner Insurance Premium Example $1,000$600
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,900$7,700
Net Savings to Santa Ana Home Owner from High Deductible Plan $1,200

 


Santa Ana, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Santa Ana, CA Home Replacement Value MORE than Home Value Santa Ana, CA Home Replacement Value LESS than Home Value
Replacement Value $453,500 $302,500
Insurance Premium based on Replacement Value $1,350 $900
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $106,000 Risk Exposure from Under Insuring Coverage is $45,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $325/year

 


Example Santa Ana Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersNationwide InsuranceLiberty Mutual
Monthly Premium 74153101
Year Built 197319891966
Home Details 3 Beds, 1 Baths5 Beds, 3 Baths4 Beds, 2 Baths
Coverage Amount $400000-$500000$800000-$900000$400000-$500000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible