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Ross Martin

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How to find affordable homeowners insurance in Anaheim

Home insurance should be a critical consideration for every homeowner. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing a home -- having a home insurance policy is a smart investment. Homeowners insurance costs an average of $74 per month in Anaheim. This is significantly less than the average American's monthly home insurance payment.

The cost of homeowners insurance coverage 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 can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more about the specifics of home insurance coverage.

If you want to find cheaper home insurance coverage in Anaheim, start with shopping around and comparing a variety of different policies. Have a look at the summary below comparing average homeowners insurance rates in Anaheim to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

Anaheim home insurance by company

What you pay for homeowners insurance in Anaheim will depend on the insurance company you get your policy through. 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.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest home insurance carriers in Anaheim, California. Then, see our guide discussing the best home insurance companies ranked by customer satisfaction, third-party ratings, and other factors. 

Company Average Annual Rate
Mercury $612
AAA $676
USAA $676
Allstate $720
Nationwide $720

Anaheim homeowners insurance prices by coverage level

The level of home coverage you select has an impact on the insurance premiums you pay. Homeowners in Anaheim who carry $200K in dwelling coverage pay an average of $612 per year, while those with coverage up to $400K pay around $1,262 per year.

Coverage Level Average Annual Rate
$100,000 Dwelling $393
$200,000 Dwelling $612
$250,000 Dwelling $838
$400,000 Dwelling $1,262

Anaheim home insurance rates by ZIP code

Home 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, your home's location could have a huge impact in what you pay for homeowners coverage.

If you're looking for the most affordable homeowners coverage in Anaheim, take at look at the 92805 ZIP code. In the 92805 area, homeowners coverage usually costs just $859 per year on average — a full $32 less than the Anaheim average. Find the best places to live in Anaheim for cheap home insurance by looking at the table below.

ZIP Code Average Annual Home Insurance Rate
92805 $859
92804 $860
92802 $860

Other areas of Anaheim, however, face homeowners rates that surpass the city average . These areas of the city could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. The most expensive ZIP code for homeowners insurance in Anaheim is 92808, where the average annual rate is $935.

ZIP Code Average Annual Home Insurance Rate
92808 $935
92809 $933
92899 $921

Anaheim homeowners insurance deductibles

One of the many decisions available when looking at homeowners insurance policies is how high or low to set your deductible. A deductible is the dollar amount that the insured must contribute toward a covered loss. Choosing your deductible plays a significant role in how much you pay for your home policy.

In short, a higher deductible translates to cheaper insurance premiums. This means that those aiming for lower rates will want to think about getting a higher deductible. Keep in mind that your deductible should only be set as high as you can reasonably pay in the event of a covered loss.

Take a look at the average deductibles offered by insurers and an estimate of average homeowners insurance rates.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $941
$1,000 $838
$1,500 $791
$2,000 $713
$5,000 $595

Home and auto insurance bundling in Anaheim

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can be a good money-saving option. Bundling policies in Anaheim could, in fact, lead to average annual savings of 12%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
Mercury $1,188
GEICO $1,273
Farmers $1,545
State Farm $1,875
Allstate $1,875

Compare quotes on Anaheim, CA home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.