Santa Clarita ,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 Clarita, 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 Clarita, CA is $1374. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Santa Clarita, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Santa Clarita, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $550 |
| $200,000 | $934 |
| $300,000 | $1,154 |
| $400,000 | $1,759 |
| $500,000 | $2,212 |
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 Clarita, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,409 |
| $1000 Deductible | $1,260 |
| $1500 Deductible | $1,189 |
| $2500 Deductible | $1,072 |
| $5000 Deductible | $907 |
| Home Insurance Company Near Santa Clarita, CA | Homeowners Insurance Agency Near Santa Clarita, CA | Address |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Santa Clarita, CA | 2.1% | 8.9% |
| Stevenson Ranch | 1.59% | 8.06% |
| San Fernando | 2.77% | 13.39% |
| Castaic | 1.87% | 9.66% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Santa Clarita | $94 to $96 |
| Stevenson Ranch | $99 |
| San Fernando | $92 |
| Castaic | $95 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Encompass | 858 |
| 200000 | 500 | New | Integon/National | 753 |
| 300000 | 500 | New | American Security | 953 |
| 150000 | 250 | 1-3 Years | Chubb/Federal | 928 |
| 150000 | 500 | 1-3 Years | Century National | 509 |
| 250000 | 1000 | 1-3 Years | Integon/National | 820 |
| 250000 | 1000 | 1-3 Years | Nationwide | 699 |
| 250000 | 500 | 1-3 Years | Foremost Insurance | 1098 |
| 300000 | 500 | 1-3 Years | Mercury Ins Group | 442 |
| 500000 | 1000 | 1-3 Years | Oregon Mutual | 1036 |
| 500000 | 2500 | 1-3 Years | Foremost Insurance | 2206 |
| 150000 | 250 | 4-6 Years | MAPFRE Group | 617 |
| 150000 | 250 | 4-6 Years | Safeco | 579 |
| 250000 | 1000 | 4-6 Years | Stillwater Ins Co | 668 |
| 300000 | 500 | 4-6 Years | Privilege Underwriters Exch | 3446 |
| 400000 | 1000 | 4-6 Years | USAA | 974 |
| 500000 | 1000 | 4-6 Years | First American Ins | 1233 |
| 500000 | 1000 | 4-6 Years | Integon/National | 1487 |
| 500000 | 2500 | 4-6 Years | Liberty Ins Corp | 1087 |
| 150000 | 500 | 7-15 Years | Amco | 746 |
| 150000 | 500 | 7-15 Years | Western Mutual/Residence | 595 |
| 200000 | 500 | 7-15 Years | AAA (Interinsurance Exchange) | 627 |
| 250000 | 500 | 7-15 Years | Amco | 1051 |
| 300000 | 500 | 7-15 Years | American Reliable | 1161 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $2,700 |
| 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 | |
| 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 |
| Insurance Company | GEICO Insurance | State Farm | Travelers |
| Monthly Premium | 93 | 57 | 127 |
| Year Built | 2009 | 1991 | 1983 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $400000-$500000 | $400000-$500000 | $800000-$900000 |
| Deductible | $500 Deductible | > $10,000 Deductible | $2500-$5000 Deductible |