Santa Ana Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Santa Ana


A critical consideration for every homeowner should be insurance coverage for your home. Fire, vandalism, theft, and wind damage are just some of the perils for which homeowners insurance can protect your dwelling and other personal belongings. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, homeowners coverage is a solid investment.

What you pay for homeowners insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. 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. Learn more information about what is covered by a homeowners insurance policy.

If you want to find cheaper home insurance in Santa Ana, start with shopping around and comparing different policies. Check out the below summary of average home insurance premiums in Santa Ana to begin your home insurance search with as much knowledge 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.


Santa Ana, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Santa Ana by insurance company

Santa Ana homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Santa Ana comes from Mercury, which offers average annual rates of just $555 per year. This is more favorable than the city’s average homeowners premium of $1,343.

Take a look at the cheapest insurance companies in Santa Ana, California to find the best home policy for your needs.


CHEAP HOME INSURANCE COMPANIES IN SANTA ANA
CompanyAverage Annual Rate
Mercury$555
AAA$656
Allstate$659
USAA$693
State Farm$696

Average homeowners insurance costs in Santa Ana by coverage level

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. In Santa Ana, carrying $200K dwelling coverage costs an average of $1,088, while carrying additional coverage up to $400K costs $1,791 per year.


HOMEOWNERS INSURANCE RATES IN SANTA ANA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,088
$400K Dwelling$1,791

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Santa Ana home insurance rates by ZIP code

Home insurance costs can vary depending on what area of Santa Ana in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Santa Ana are available in 92703. In 92703, the typical home insurance policy costs $856 per year — $487 less than the citywide average in Santa Ana. Find the best places to live in Santa Ana for cheap home insurance by looking at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN SANTA ANA
ZIP CodeAverage Annual Home Insurance Rate
92703$856
92701$860
92706$865

Other areas of Santa Ana, however, face homeowners rates that surpass the city average . These areas could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $913 makes 92705 the most expensive ZIP code in Santa Ana for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SANTA ANA
ZIP CodeAverage Annual Home Insurance Rate
92705$913
92799$900
92704$891



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Money-saving tip: bundle home and auto insurance in Santa Ana

If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Santa Ana homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SANTA ANA
CompanyAvg. Annual Auto Insurance Rate (Bundle)
Mercury$1,147
GEICO$1,279
Farmers$1,601
Allstate$1,849
State Farm$1,877

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an insurance professional today.


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