Anaheim Homeowners Insurance

How to find cheap homeowners insurance in Anaheim


Among the most important aspects of owning a home is homeowners insurance. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such events -- and the high cost of rebuilding or repairing damages to a home -- having a home insurance policy is a wise investment.

The cost of home insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Find out more information about what a home insurance policy covers.

Finding cheap home insurance in Anaheim starts with shopping around and comparing policies. Check out the below summary of average Anaheim homeowners insurance rates to ensure you start your search with as much background info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Anaheim, California, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Bundling discounts

Home insurance in Anaheim by company

Homeowners insurance rates in Anaheim vary from one insurance company to another. The most affordable home insurance in Anaheim is Mercury offering average annual rates at just $612 per year. This is considerably cheaper than the city’s average homeowners premium of $891.

Below you'll find a list of the cheapest homeowners insurance companies in Anaheim, California to help you begin your search.


AFFORDABLE HOME INSURERS IN ANAHEIM
CompanyAverage Annual Rate
Mercury$612
AAA$676
USAA$676
Allstate$720
Nationwide$720

Average home insurance rates in Anaheim by coverage amount

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. In Anaheim, carrying $200K dwelling coverage costs an average of $612, while carrying additional coverage up to $400K costs $1,262 per year.


HOMEOWNERS INSURANCE RATES IN ANAHEIM — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$393
$200K Dwelling$612
$250K Dwelling$838
$400K Dwelling$1,262

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Anaheim home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what area of Anaheim in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the location of your home could have a huge impact in what you pay for homeowners insurance.

If you're looking for the cheapest homeowners insurance premiums in Anaheim, take at look at the 92805 ZIP code. In the 92805 area, homeowners policies typically cost just $859 on average, which isa full $32 less than the overall average for Anaheim. Find the best places to live in Anaheim for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN ANAHEIM
ZIP CodeAverage Annual Home Insurance Rate
92805$859
92804$860
92802$860

Some parts of Anaheim, however, are prone to home insurance premiums that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $935, 92808 comes in as the priciest ZIP code in Anaheim for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN ANAHEIM
ZIP CodeAverage Annual Home Insurance Rate
92808$935
92809$933
92899$921

Home insurance deductibles in Anaheim

Homeowners face a number of choices when buying a home insurance policy, including the amount of their deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Choosing where to set your deductible plays a significant role in how much you pay for your home policy.

In general, choosing a low deductible means that your insurance premiums will be higher. Therefore, if you need your home insurance rates to be lower, you'll need to increase your deductible. Remember that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Take a look at the standard deductibles offered by home insurance companies and an approximation of average insurance costs.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN ANAHEIM
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$941
$1,000$838
$1,500$791
$2,000$713
$5,000$595

Money-saving tip: bundle home and auto insurance in Anaheim

You might want to consider bundling your auto and homeowners policies through the same company if saving money is one of your concerns. Bundling home and auto insurance can be a good money-saving option. By bundling your policies, Anaheim homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE PREMIUMS WITH HOME BUNDLE IN ANAHEIM
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,188
GEICO$1,273
Farmers$1,545
State Farm$1,875
Allstate$1,875

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.