Santa Clarita Insurance Rates:

Santa Clarita, CA homeowners insurance is nearly $535 to $725, about $44-$60/month. Our detailed research reveals consumers can save as much as $251 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Average Cost of Homeowners Insurance in Santa Clarita, CA

The average cost of homeowners insurance in Santa Clarita, CA, is $1392. Fun in the sun doesn’t have to come at a steep price. Santa Clarita, a city, tucked north of Los Angeles, is a hidden gem for entertainment. From the Six Flags Magic Mountain theme park to the prehistoric stone formations in Vasquez Rocks Natural Area Park, the city has something for every type of adventurer and homeowner. In addition, the Santa Clarita homeowners insurance rates are significantly lower than the major U.S. cities and counties.

Before shopping for home insurance in Santa Clarita, CA, homeowners must compare insurance quotes offered by different providers. Price isn’t everything. If a policy provides a low premium but covers less, it might be cheap now, but it will cost you later if you ever make a claim. Apart from that, many factors determine the cost of home insurance in Santa Clarita, CA. A few factors influencing home insurance rates in Santa Clarita are mentioned below.

Cost of insurance based on the coverage level in Santa Clarita, CA

In the occurrence of a loss, when a house is damaged or destroyed by fire, wind, hail, lightning, theft, and other covered causes of loss, homeowners insurance provides financial protection from these unpredictable events. But in order to avail of the home insurance, lenders will look at your coverage level opted by the homeowner. Therefore, homeowners must opt for sufficient coverage which covers the loss during any unforeseen event. Homeowners in Santa Clarita, CA, typically opt to pay coverage of $200K where they pay $640 towards their home insurance in Santa Clarita, CA.

Refer to the table below to acknowledge the coverage options provided by insurance companies in Santa Clarita, CA.


Cost of insurance based on the deductibles in Santa Clarita, CA

A deductible is a specified amount of money you have to pay out-of-pocket toward a covered loss. Homeowners can lower their premiums by increasing their deductible. Keep in mind that a higher deductible will lower your premium, but it also means you'll pay more out-of-pocket.

So, Santa Clarita homeowners paying a high deductible of $2500 can avail of home insurance for $999.46. Likewise, homeowners paying a deductible of $1500 and $2000 can avail of home insurance in Santa Clarita for $1171.23 and $1063.21, respectively.

Cost of insurance based on the age of the home in Santa Clarita, CA

When insuring a home, consider the home's age first. Old houses need a lot of tender love and care. When required attention is not given to the home, plumbing breakdowns and fire damages, electrical problems, structural flaws, and more can occur.

Older homes are typically weaker and are more vulnerable to structural damages and repairs. Due to this, insurance providers in Santa Clarita, CA, offer a discount on newly constructed homes. Newly built homes pay $1017 towards their home insurance in Santa Clarita, CA. In contrast, homes made 30 and 40 years ago pay $1413 and $1429, respectively, towards their homeowner's insurance in Santa Clarita, CA.

Santa Clarita, CA, Discounts on Homeowners Insurance

In Santa Clarita, California, homeowners pay an average home insurance rate ranging between $535 to $725. Santa Clarita homeowners can use discounts offered by home insurance companies to reduce their home insurance rates. Below is a list of the discounts provided to Santa Clarita homeowners that they can take advantage of to save on home insurance.


Newly constructed Santa Clarita homes can avail of discounts of up to $292 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. Santa Clarita homes older than 40 and 50 years receive an additional charge of $36 and $67, respectively, on home insurance.

Home insurance companies consider the lifestyle of homeowners to determine insurance rates. If all the household residents are non-smokers, insurance companies offer special discounts on home insurance rates. Santa Clarita homeowners who own a swimming pool attract an additional insurance cost of up to $84. Installing a fence around the pool with self-latching and self-closing gates will help homeowners get discounts from home insurance companies. Additionally, senior citizens in Santa Clarita also receive discounts on home insurance.

Although most of the factors to avail discounts are not under the purview of homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Santa Clarita homeowners opting for a high deductible of $2,500 can avail of a discount of $392 on homeowners insurance. Homeowners receive discounts of $328 and $220, respectively, on deductibles of $2,000 and $1,500. Santa Clarita homeowners save an average of $1,200 on a high deductible of $2,700 compared to a standard deductible of 700 for a lock-in period of 8 years.

Home insurance companies provide discounts to homeowners who have a claims-free history. In contrast, homeowners with prior claims can attract an additional charge on their home insurance premiums. The cost of home insurance in Santa Clarita increases by up to 44% based on the nature and number of claims. Santa Clarita homeowners who have a history of two fire claims and two water claims attract an additional charge of $584 and $459, respectively.

Santa Clarita, CA Homeowners Insurance By Home Value

Santa Clarita, CA Home Value Total Homes % of Total Average Santa Clarita, CA Homeowners Insurance
Less than $50,000 1,005 4.0% $37
$50,000 to $59,999 251 1.0% $81
$90,000 to $99,999 218 1.0% $150
$100,000 to $124,999 567 2.0% $176
$125,000 to $149,999 622 2.0% $220
$150,000 to $174,999 971 4.0% $257
$175,000 to $199,999 711 3.0% $301
$200,000 to $249,999 2,299 10.0% $358
$250,000 to $299,999 3,174 14.0% $440
$300,000 to $399,999 11,352 52.0% $559

Top Home Insurance Agents Near Santa Clarita, CA

Home Insurance Company Near Santa Clarita, CA Homeowners Insurance Agency Near Santa Clarita, CA Address
NA Isu/Vansa Insurance Services 12155 Riverside Dr Valley Vilge, LA, CA, 91607
Liberty Mutual Independent Andrews & Van Lohn Inc 10734 WHITE OAK AVE, GRANADA HILLS, CA, 91344
Farmers Judy Ho 3030 E Colorado Blvd, Pasadena, CA, 91107
State Farm Lucy Rodas 11928 Firestone Blvd. Suite 100, Norwalk, CA, 90650
State Farm Mike Kim 8442 Moody St, La Palma, CA, 90623-2240

Santa Clarita, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Santa Clarita, CA

Streets in Santa Clarita Area Homeowners Insurance Cost
Lea Ct, Flying Tiger Dr, Hermes Ln, Bently Manor Pl, Shannon Ct, Preston Way, English Rose Pl, Scepter Ln, Muir Trl, Nutcracker Pl$638
Agua Dulce Canyon Rd, W Amaryllis Ct, Oakleaf Canyon Dr, Aurora Pl, Colebrook Pl, Bedford Way, Christopher Ln, Las Canastas Dr, Pearson Ct, Crookshank Dr$625
Rock Creek Dr, Ashland Ct, Rosehaven Ln, Highpoint Pl, Warm Springs Dr, Salon Ave, Robin Ave, Newton Ct, Laroda Ln, Via Impreso$646
Citrus St, Vista Fairways Dr, Country Rd, Palacete Dr, Fanchon Ln, Birmingham Pl, Emerald Creek Dr, Sultus St, Garland Dr, W Anacapa Ln$633
Barcotta Dr, Sedgwick Ct, Creekside Dr, Crest Heights Dr, Royal Vista Ct, Canopus Dr, Roman Ct, Ashboro Dr, Anacapa Ln, Via Canon$628
Eaglecrest Ave, Ave Jolita, Palo Verde Pl, Cheswold Ave, Brescia Dr, Blue Aspen Ln, Tick Canyon Rd, W Garzota Dr, Camas Ct, Canyon Heights Cir$598
Garnet Canyon Dr, Sena Ct, Norfork Pl, Ave Rockefeller, Linden Ln, N Ave Stanford, Sandpiper Pl, Urbandale Ave, Elm Ct, Ave Avila$666
Rancho Adobe Rd, Cedar Ln, Lonerock St, Amber Way, Canvas St, Canvas St, Gaspher Ct, Oxford Ln, Ryan Ln, Rodeffer Pl$612
Wildwood Cyn Rd, Alamogordo Rd, Graciosa St, Calle de la Pas Dr, Angela Yvonne Ave, Houston, Barrett Dr, Rutherford Pl, Kitfox Pl, Red Pine Way$636
Mirabelle Ln, Sunderland Ct, Garzota Dr, Blue Spruce Pl, Creekside Dr, Summerhill Pl, la Veda Ave, Meadview Ave, Henry Mayo Dr, Via Ramon$651

Santa Clarita, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Santa Clarita$94 to $96
Stevenson Ranch$99
San Fernando$92

Santa Clarita, 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
Stevenson Ranch CDP, California $83 $110 $165
San Fernando city, California $77 $102 $153
Castaic CDP, California $79 $105 $158

Santa Clarita, 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 Clarita, CA2.1%8.9%
Stevenson Ranch1.59%8.06%
San Fernando2.77%13.39%

Santa Clarita Renters Insurance as a Percentage of Rent

Santa Clarita Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 315 1.0% $784
$300 to $499 232 1.0% $1234
$500 to $749 500 2.0% $1909
$750 to $999 1,662 9.0% $2659
$1,000 to $1,499 5,486 32.0% $3784
$1,500 or more 8,506 50.0% $5434

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
300000500NewAmerican Security953
1500002501-3 YearsChubb/Federal928
1500005001-3 YearsCentury National509
25000010001-3 YearsIntegon/National820
25000010001-3 YearsNationwide699
2500005001-3 YearsForemost Insurance1098
3000005001-3 YearsMercury Ins Group442
50000010001-3 YearsOregon Mutual1036
50000025001-3 YearsForemost Insurance2206
1500002504-6 YearsMAPFRE Group617
1500002504-6 YearsSafeco579
25000010004-6 YearsStillwater Ins Co668
3000005004-6 YearsPrivilege Underwriters Exch3446
40000010004-6 YearsUSAA974
50000010004-6 YearsFirst American Ins1233
50000010004-6 YearsIntegon/National1487
50000025004-6 YearsLiberty Ins Corp1087
1500005007-15 YearsAmco746
1500005007-15 YearsWestern Mutual/Residence595
2000005007-15 YearsAAA (Interinsurance Exchange)627
2500005007-15 YearsAmco1051
3000005007-15 YearsAmerican Reliable1161

Santa Clarita, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Santa Clarita Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,100$9,900
Net Savings to Santa Clarita Home Owner from High Deductible Plan $1,200

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

Scenario Santa Clarita, CA Home Replacement Value MORE than Home Value Santa Clarita, CA Home Replacement Value LESS than Home Value
Replacement Value $534,000 $324,500
Insurance Premium based on Replacement Value $1,750 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $102,500 Risk Exposure from Under Insuring Coverage is $107,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $325/year

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

Insurance Company GEICO InsuranceState FarmTravelers
Monthly Premium 9357127
Year Built 200919911983
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $400000-$500000$400000-$500000$800000-$900000
Deductible $500 Deductible> $10,000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Santa Clarita, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 265,000 Wood Shake Roof 1,250 3 $500- $1000 Deductible 350 6 Wood siding No
1985 430,000 Composition Roof 2,760 4 $5000 to $10,000 Deductible 250 4 Brick siding No
1988 610,000 Wood Shake Roof 3,580 5 $2500-$5000 Deductible 1150 10 Stucco siding yes
1992 580,000 Shingles Roof 2,700 4 $2500-$5000 Deductible 310 3 Brick siding yes
1983 415,000 Tile Roof 2,660 5 $5000 to $10,000 Deductible 240 4 Wood siding yes
2008 340,000 Shingles Roof 2,130 3 $500- $1000 Deductible 510 7 Wood siding yes
1973 210,000 Composition Roof 1,320 3 $1000-$2500 Deductible 40 1 Stone Siding yes
1997 385,000 Tile Roof 1,940 5 $500- $1000 Deductible 500 6 Fiber-Cement Siding yes
1987 425,000 Asphalt Shingles Roof 1,910 3 $500- $1000 Deductible 560 7 Stone Siding No
1979 265,000 Slate Shingles Roof 1,530 3 $500- $1000 Deductible 270 3 Wood siding yes
2008 390,000 Metal Roof 2,360 4 $1000-$2500 Deductible 310 4 Vinyl siding No
1985 435,000 Asphalt Shingles Roof 2,740 4 > $10,000 Deductible 320 5 Fiber-Cement Siding yes
1985 360,000 Tile Roof 1,720 4 $5000 to $10,000 Deductible 490 12 Brick siding No
1972 415,000 Membrane Roof 2,620 4 > $10,000 Deductible 460 7 Brick siding yes
1986 530,000 Composition Roof 2,350 3 $500 Deductible 620 4 Wood siding yes
1992 305,000 Membrane Roof 1,780 5 $1000-$2500 Deductible 120 2 Stone Siding yes
1977 280,000 Membrane Roof 1,730 4 $5000 to $10,000 Deductible 730 12 Stucco siding yes
2004 275,000 Slate Shingles Roof 1,240 3 > $10,000 Deductible 110 3 Vinyl siding No
2007 290,000 Asphalt Shingles Roof 1,310 3 $500 Deductible 230 3 Stucco siding No
1982 705,000 Shingles Roof 3,050 4 $1000-$2500 Deductible 380 4 Fiber-Cement Siding yes
1984 235,000 Tile Roof 1,500 3 > $10,000 Deductible 110 3 Fiber-Cement Siding yes
1972 445,000 Membrane Roof 2,420 4 $1000-$2500 Deductible 220 2 Wood siding No
2011 495,000 Composition Roof 2,890 4 $500- $1000 Deductible 370 4 Brick siding No
1985 415,000 Tile Roof 2,010 4 > $10,000 Deductible 610 9 Brick siding No
2002 565,000 Wood Shake Roof 2,470 4 $500 Deductible 1560 8 Stucco siding No
1992 315,000 Membrane Roof 1,670 4 > $10,000 Deductible 500 9 Brick siding No
2005 900,000 Composition Roof 4,360 5 $5000 to $10,000 Deductible 600 5 Wood siding No
1986 275,000 Composition Roof 1,770 3 $500 Deductible 210 3 Stone Siding yes
1975 415,000 Wood Shake Roof 2,320 3 $500- $1000 Deductible 380 3 Wood siding yes
1996 265,000 Tile Roof 1,260 3 > $10,000 Deductible 140 4 Stucco siding No
1961 695,000 Membrane Roof 2,737 4 > $10,000 Deductible 1950 7 Brick siding No

Latest Home Insurance Reviews

They are mid grade for the area that I live in. I suppose the price is good for what they cover. I do know that there are others that are more ex[ensive then the policy I picked out.
State Farm
I am very satisfied with State Farm Home Insurance and would recommend them to anyone shopping for new insurance policies.
State Farm
I haven't reviewed any other insurance company offerings recently. I have been very satisfied with what my company has and very happy with the service I have gotten from my local agent.
I really like Geico. It is a cheap way to go and would recommend it to anyone who wants a bare minimal. I would give it a four simply because there are some that have more to offer.
I'd rate Allstate a 4 in terms of recommending it because of their excellent customer service, and their easy payment plan. Their multi-policy discounts are a plus as well.
Farmer's Insurance
I would rate our home insurance as 4. I chose this number because I am a bit satisfied of our insurance and the benefit that it gives us. They give good credit and benefit to us and to other of our neighborhood that is using.
State Farm
I rate my home insurance a 5 because they always solve my problem and in a friendly manner. They also are expedient and always available. They treat me like an old friend and know me on a first name basis.
When a disaster happened, Hurricane Florence, I felt like the customer service agents were very helpful and empathetic when I called. They were able to de-escalate the situation by helping me calm down.
Liberty Mutual
I do feel, however, that my insurance premium is a little pricey. I don't really have a problem with the deductibles. The deductibles seem fair enough.
The premium of my home insurance company is a bit higher than other companies but I heard that in the long run if I ever need it it is worth it to pay a little extra month per month.
Progressive was the lowest cost when I shopped around. Many years ago I was with State Farm, but they no longer come even close tot he price Progressive quoted me.
State Farm
This is the only home insurance policy I've ever had, so I honestly don't know what other providers offer. I believe I have adequate coverage for what I need.
I'm not very well educated about many insurance companies, but I believe the premium and deductible of my policy are in line with the industry standard.
Easy access to my insurance information via app. vest satisfied to not be calling anytime i need to figure something out.
They don't have a physical office. if i am to have an issue, i'd like to talk to someone in person and not on the phone or internet.
The progressive insurance company offered coverage for other things as well as car, such as boats, which we do not own now but may someday.
Affordable prices and seems like it would be professional and acceptable if I were to ever need to file a claim
State Farm
I like that they offer a discount for multiple policies, the discount really does make a difference in the price I pay per year.
State Farm
Receive monthly statements regarding any changes or info needed. So far no issues to report and customer service answers immediately when needed.
State Farm
I know all the people in my agent's office by name and they know me as well and have always done the best they can to help me anyway I need it. There is also a 24/7 support line.
Liberty Mutual
The website is overall easy to navigate but it spends too much space offering new clients it services. I would like to have a dedicated site for existing clientele.
State Farm
Man who came to evaluate the roof had no idea what he was doing. He sucked.
My only complaint, and it isn't really a complaint is that I would like to pay less for my premium. I do check other rates from time to time, but so far I think the amount I am paying is acceptable.
Mercury Insurance Group
If I had to choose something I dislike it is the technology the company uses. They basically only have a website with minimal features. You even need to make a call to make a payment. They need to add chat, the mobile app with payment features.
I wish they were more technology-friendly and had more information online, using automated services.
Geico is good to collect money from insurrer but when it comes to help to processing other insurance claims they will play ignorance role and pretend that is not their responsibility.
State Farm
nothing really, wish it was cheaper but then you might get what you pay for.
State Farm
I like that they are proactive about calling or emailing me about anything important and that I can stop by the office or call at any time and they will help me with any issues I have. I feel like they value my business and are willing to do what they need to to keep it.
National General
I do not like that insurance is required by law. It allows them to charge more for their service and make a lot of money off of hard-working people.
Allstate rates are a little high compared to other companies but I am willing to stay because of the service and safety I feel.
when the premium amt is high u should get the return also high,so premium amt is not a big factor.

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