Anaheim, CA Homeowners Insurance

Homeowners insurance costs an average of $74 per month in Anaheim. Learn more about how rates are calculated and how to save.

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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.

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.


Anaheim, California, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by neighborhood
  4. Rates by deductible amount
  5. Insurance bundle discounts

Homeowners insurance in Anaheim 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 companies in Anaheim, California.


CHEAP HOMEOWNERS INSURANCE COMPANIES IN ANAHEIM
CompanyAverage Annual Rate
Mercury$612
AAA$676
USAA$676
Allstate$720
Nationwide$720

Average home insurance rates in Anaheim by coverage limit

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.


HOMEOWNERS INSURANCE RATES IN ANAHEIM — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$393
$200,000 Dwelling$612
$250,000 Dwelling$838
$400,000 Dwelling$1,262

Anaheim home insurance prices 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.


AFFORDABLE NEIGHBORHOODS FOR HOMEOWNERS INSURANCE IN ANAHEIM
ZIP CodeAverage 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.


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

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:

  1. Bakersfield
  2. Chula Vista
  3. Fremont
  4. Fresno
  5. Irvine
  6. Long Beach
  7. Los Angeles
  8. Oakland
  9. Riverside
  10. Sacramento
  11. San Bernardino
  12. San Diego
  13. San Francisco
  14. San Jose
  15. Santa Ana
  16. Stockton

Homeowners insurance deductibles in Anaheim

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.


HOMEOWNERS 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

Looking for a money-saving tip for insurance in Anaheim? Try bundling

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%.


CHEAPEST CAR INSURANCE WITH A POLICY 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

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


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 master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.