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.
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 |
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 |
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 |
| Home Insurance Company Near Santa Ana, CA | Homeowners Insurance Agency Near Santa Ana, CA | Address |
|---|---|---|
| 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 |
| Travelers | Insurance Answer Center Llc | 15910 VENTURA BLVD 6TH FL, ENCINO, CA, 91436 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Santa Ana, CA | 2.5% | 13.1% |
| Tustin | 1.91% | 9.73% |
| Fountain Valley | 2.14% | 12.32% |
| Costa Mesa | 2.03% | 12.57% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Santa Ana | $93 to $95 |
| Tustin | $97 |
| Fountain Valley | $99 |
| Garden Grove | $94 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | AIG Prop Cas | 629 |
| 150000 | 500 | New | Grange | 329 |
| 200000 | 500 | New | Amco | 402 |
| 200000 | 500 | New | Amica Mutual | 535 |
| 200000 | 500 | New | USAA | 405 |
| 250000 | 1000 | New | Pacific Specialty | 502 |
| 400000 | 1000 | New | Wawanesa | 798 |
| 500000 | 2500 | New | Mercury Ins Group | 500 |
| 750000 | 2500 | New | Amco | 963 |
| 200000 | 500 | 1-3 Years | Pacific Specialty | 510 |
| 200000 | 500 | 1-3 Years | Universal North America | 437 |
| 300000 | 500 | 1-3 Years | California Capital | 663 |
| 300000 | 500 | 1-3 Years | Horace Mann P & C | 635 |
| 500000 | 1000 | 1-3 Years | American Modern | 1571 |
| 500000 | 1000 | 1-3 Years | Pacific Specialty | 1156 |
| 500000 | 2500 | 1-3 Years | American Reliable | 947 |
| 500000 | 2500 | 1-3 Years | Metropolitan Direct | 755 |
| 750000 | 2500 | 1-3 Years | General Ins | 831 |
| 750000 | 2500 | 1-3 Years | Nationwide | 1298 |
| 150000 | 250 | 4-6 Years | California Casualty | 579 |
| 150000 | 500 | 4-6 Years | AAA (Interinsurance Exchange) | 330 |
| 250000 | 500 | 4-6 Years | CSE Safeguard | 722 |
| 300000 | 500 | 4-6 Years | Farmers (Fire Ins) | 1253 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Travelers | Nationwide Insurance | Liberty Mutual |
| Monthly Premium | 74 | 153 | 101 |
| Year Built | 1973 | 1989 | 1966 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 3 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $800000-$900000 | $400000-$500000 |
| Deductible | > $10,000 Deductible | $5000 to $10,000 Deductible | $1000-$2500 Deductible |