How to find affordable homeowners insurance in Santa Ana
Homeowners insurance protects your dwelling against many perils, including fire, wind damage, vandalism and theft. Given the relative frequency of such perils and with the high cost of rebuilding or repairing a home, home insurance is a smart investment. The typical Santa Ana homeowner pays $111 per month for insurance. This is on par with the national average monthly cost of home insurance.
The cost of homeowners insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Discover more about what your homeowners insurance policy covers.
If you want to find affordable home insurance coverage in Santa Ana, start with shopping around and comparing a variety of different policies. Take a look at the summary below showing average homeowners insurance premiums in Santa Ana to help you get as much information as possible when you start your search for insurance.
Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.
Table of contents:
- Rates by insurer
- Rates by coverage amount
- Rates by ZIP code
- Rates by deductible amount
- Policy bundling savings
Santa Ana home insurance by company
Santa Ana homeowners insurance rates will vary depending on which insurance company you choose. Mercury offers the most affordable home insurance in Santa Ana, at just $555 per year. This compares favorably to the city’s average homeowners premium of $1,343.
Begin your search for a home insurance policy by reviewing the least expensive companies in Santa Ana, California. Then, see our guide ranking the best home insurance companies by customer satisfaction, third-party ratings, and other factors.
AFFORDABLE HOME INSURERS IN SANTA ANA
| Company | Average Annual Rate |
| Mercury | $555 |
| AAA | $656 |
| Allstate | $659 |
| USAA | $693 |
| State Farm | $696 |
Santa Ana homeowners insurance prices by coverage level
Your chosen level of homeowners coverage impacts the insurance premiums you pay. Homeowners in Santa Ana with $200K in dwelling coverage pay an average of $1,088 per year, while those with coverage up to $400K pay around $1,239 per year.
POPULAR COVERAGE LIMITS IN SANTA ANA
| Coverage Level | Average Annual Rate |
| $100K Dwelling | $386 |
| $200K Dwelling | $1,088 |
| $250K Dwelling | $824 |
| $400K Dwelling | $1,239 |
Santa Ana home insurance rates by ZIP code
Depending on the part of Santa Ana you live in, you could see a big difference in your home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically impact your home insurance premium.
To find the cheapest home insurance premiums in Santa Ana, look no further than 92703. In the 92703 area, homeowners coverage usually costs just $856 per year: $487 less than the citywide average. Find the best places to live in Santa Ana for cheap home insurance by looking at the following table.
AFFORDABLE HOME INSURANCE AREAS IN SANTA ANA
| ZIP Code | Average Annual Home Insurance Rate |
| 92703 | $856 |
| 92701 | $860 |
| 92706 | $865 |
On the other hand, some areas of Santa Ana face higher homeowners insurance costs, on average. Such areas might face a higher probability of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. An average annual rate of $913 makes 92705 the most expensive ZIP code in Santa Ana for homeowners coverage.
EXPENSIVE HOME INSURANCE AREAS IN SANTA ANA
| ZIP Code | Average Annual Home Insurance Rate |
| 92705 | $913 |
| 92799 | $900 |
| 92704 | $891 |
Santa Ana homeowners insurance deductibles
One of the decisions that you will make when buying an insurance policy is how high or low to set your deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. The deductible chosen can impact your insurance rates directly.
Put simply, a higher deductible means cheaper insurance premiums. Therefore, if you are aiming for lower home insurance rates, you’ll want to increase your deductible. Be mindful of the fact that your deductible should only be as high as you can reasonably afford if you suffer a loss.
The following table reveals the typical premiums affiliated with most deductibles.
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN SANTA ANA
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $928 |
| $1,000 | $824 |
| $1,500 | $777 |
| $2,000 | $699 |
| $5,000 | $584 |
Home and auto insurance bundling in Santa Ana
If saving money is your primary concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Santa Ana homeowners could see annual savings of 12% on average.
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN SANTA ANA
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| Mercury | $1,147 |
| GEICO | $1,279 |
| Farmers | $1,601 |
| Allstate | $1,849 |
| State Farm | $1,877 |
Compare quotes on Santa Ana, CA home insurance today!
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