Santa Ana, CA Homeowners Insurance

How to find cheap homeowners insurance in Santa Ana


Homeowners insurance is a critical element of homeownership. Along with personal property, homeowners insurance covers your dwelling in the event of many perils, including theft, fire, wind damage, and vandalism. Given the relatively frequent occurrence of these incidents and the substantial 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. 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. Find out more about what your homeowners insurance policy covers.

If you want to find cheap home insurance in Santa Ana, start with shopping around and comparing different policies. Have a look at the summary below comparing average homeowners insurance premiums in Santa Ana to begin your homeowners insurance search with as much information as you can. 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.


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

Homeowners insurance in Santa Ana by insurance company

Homeowners insurance rates in Santa Ana vary from one insurance company to another. 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.

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


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

Average homeowners insurance rates in Santa Ana by coverage levels

The level of homeowners coverage you select has an impact on your insurance premiums. In Santa Ana, carrying $200K dwelling coverage costs an average of $1,088, while carrying additional coverage up to $400K costs $1,239 per year.


HOMEOWNERS INSURANCE RATES IN SANTA ANA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$386
$200K Dwelling$1,088
$250K Dwelling$824
$400K Dwelling$1,239

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Santa Ana homeowners insurance rates by ZIP code

Depending on the part of Santa Ana you live in, you could see a dramatic difference in your home insurance costs. 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 insurance.

To find the cheapest home insurance premiums in Santa Ana, look no further than 92703. In the 92703 area, homeowners policies typically cost just $856 per year — a full $487 less than the Santa Ana average. The below table shows the best places to live in Santa Ana if you’re looking for affordable homeowners insurance.


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

Other areas of Santa Ana, it should be noted, face homeowners rates that are higher than the city average . These areas might face a higher risk of perils such as severe weather and fires. 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 AREAS FOR HOMEOWNERS INSURANCE IN SANTA ANA
ZIP CodeAverage Annual Home Insurance Rate
92705$913
92799$900
92704$891

Homeowners insurance deductibles in Santa Ana

Among the numerous options faced by homeowners when buying homeowners insurance is where to set the deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. The deductible chosen can have a big impact on home insurance rates.

In short, having a higher deductible leads to cheaper insurance premiums. This means that those aiming for lower rates will want to seriously consider a higher homeowners 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.

Below are some popular deductible options offered by most home insurance companies along with related average insurance premiums.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE TIER IN SANTA ANA
Deductible LevelAverage Annual Home Insurance Rate
$500$928
$1,000$824
$1,500$777
$2,000$699
$5,000$584

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

If saving money is your primary concern, it might be worth insuring your home and auto through the same insurance company. Bundling home 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 AUTO INSURANCE RATES WITH HOME BUNDLE IN SANTA ANA
CompanyAvg. Annual Auto Insurance Rate (With 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.


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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.