Renters Insurance in Santa Ana, CA

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

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

Renters insurance in Santa Ana, California

Renters insurance is a key coverage if you’re renting an apartment or house. The coverage protects against a number of perils, such as theft, fire, vandalism, or wind damage. Given the reasonable likelihood of a damaging incident, the affordable price of a renters policy, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

The cost of renters insurance comes down to a variety of factors, including the building's age, its material constitution, its geographic location, and the pricing rules of your insurance company. In areas prone to events such as fire, lightning, wind, or hail, renters insurance policies may be more expensive to account for the extra risk.

The average yearly cost of renters insurance in Santa Ana is $196.

Finding cheap renters insurance in Santa Ana should start with a thorough comparison of the top renters insurance companies. Check out our breakdown of Santa Ana, California renters insurance rates to ensure you're informed and aware heading into the insurance purchasing process. Remember: your renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Santa Ana

How much you pay for renters insurance in Santa Ana depends on the insurer you choose. For instance, Fire Insurance Exchange offers the most affordable renters insurance in Santa Ana, at just $123 per year. That's less expensive than the city's average cost of $196, providing a $74 price break on the city's normal rates.

Begin your search for a renters insurance policy by reviewing the cheapest companies in Santa Ana.

CompanyAverage Annual Rate in Santa Ana
Fire Insurance Exchange$123
Interins Exchange$125
State Farm$130

Santa Ana renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Santa Ana, the annual cost differential between these levels is approximately $67. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in Santa Ana
$25K Property$163
$50K Property$230

Tip: bundle your auto and renters insurance policies in Santa Ana

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same company. Bundling renters and car insurance in Santa Ana can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.5% on car insurance premiums. The auto insurer offering the most affordable rate with a renters bundle is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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