besthome insuranceSanta AnaThe Best Cheap Homeowners Insurance in Santa Ana, California for 2023: Quotes and Reviews
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besthome insuranceSanta AnaThe Cheapest and Best Homeowners Insurance in Santa Ana
The Cheapest Home Insurance Companies in Santa Ana
When looking for homeowners insurance in Santa Ana, the cost is a significant factor to consider since most insurers have the same or similar core coverages in a home insurance policy.
The companies offering the average cheapest homeowners insurance in Santa Ana with $500,000 in dwelling coverage are:
- Allstate: $1,243 per year
- AAA: $1,424 per year
For an expensive home with $2,000,000 in dwelling coverage, the homeowners insurance companies with the average cheapest rates in Santa Ana are:
- ASI: $4,081 per year
- Allstate: $4,970 per year
The table below shows how homeowners insurance rates in Santa Ana can change by adjusting the dwelling coverage limit.
The Cheapest Home Insurance in Santa Ana, Ranked
Dwelling Coverage:
$500,000
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Note that the sample policies with an initial baseline dwelling coverage of $500,000 have personal property limits of $200,000. Meanwhile, for policies with $2,000,000 in dwelling coverage, the personal property limit is $800,000. All policies include $100,000 in liability coverage.
If you live in another part of California or are considering moving, you can look up home insurance rates statewide.
The Average Cost of Homeowners Insurance in Santa Ana for 2022
Santa Ana$1,889
California$2,002
U.S.$2,103
In Santa Ana, home insurance costs an average of $1,889 annually. That is $113 cheaper than the California average of $2,002 per year. Santa Ana homeowners also pay $214 less than the national average of $2,103 per year.
Calculate the Cost of Home Insurance in Santa Ana
Aside from your location, other factors determine homeowners insurance costs in Santa Ana. These include your dwelling coverage limit and the value of the personal property you want to cover. You can compare quotes from various insurance providers in California using MoneyGeek’s home insurance calculator.
Home Insurance Calculator
State
California
Dwelling Coverage
$500,000
Deductible
$500
Liability
$300,000
Personal Property
$100,000
low end
on average
high end
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Santa Ana
While affordability is important when shopping for homeowners insurance in Santa Ana, you should take into account the insurer’s customer service and financial stability as well. That way, when you file a claim during times of financial distress, your chosen insurance provider is able to pay you quickly and fairly.
Based on MoneyGeek’s study, the best homeowners insurance companies in Santa Ana are:
- Best Overall: USAA (only available to eligible current and former military members)
- Runner-up: Allstate
To find the best home insurance companies in Santa Ana, MoneyGeek used a unique rating system to analyze their J.D. Power customer satisfaction scores, affordability rankings and AM Best financial stability scores.
1
USAA
Score:95
USAA is MoneyGeek’s top pick for the best home insurance company in Santa Ana. It earned the highest score for customer service and tied for first place for financial stability. However, only people with a military background are eligible for a USAA policy.
More About USAA
USAA lets you add earthquake damage to your home insurance policy. Additionally, it offers home sharing coverage to those who rent out a room or their home. That add-on coverage can help pay for costs associated with being a landlord.
Read MoneyGeek's USAA home Insurance Review2
Allstate
Score:93
Allstate ranked as the second-best insurer in Santa Ana for scoring highly across multiple categories, especially MoneyGeek’s affordability rating, where it received the highest score possible. It gives discounts for claim-free policyholders, even if they’re switching from another company.
More About Allstate
Allstate allows you to add Claim Guard to your policy, which ensures that your home insurance rate won’t increase when you file a claim. But if you are claims-free every year, Allstate lowers your deductible by $100, up to a maximum of $500. That means if you file a claim in the future, you pay less because your deductible is lower.
Read MoneyGeek's Allstate home Insurance ReviewCheapest Home Insurance Companies in Santa Ana for Newly Constructed Homes
Newly constructed homes in Santa Ana are usually cheaper to insure. That’s because they have modern materials that are more resistant to damage, which reduces the likelihood of homeowners filing a claim. Additionally, newer materials may be easier for an insurer to replace.
As a result, home insurance for a newly constructed home in Santa Ana costs an average of $1,455 per year, while a policy for a home built in 2000 costs an average of $1,889 per year.
The cheapest home insurance providers in Santa Ana for those with newer homes with $250,000 in dwelling coverage are:
- ASI: $918 per year on average
- Travelers: $989 per year on average
The Cheapest Home Insurance in Santa Ana for New Homes, Ranked
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Cheapest Home Insurance Companies in Santa Ana if You Have a Lot of Personal Property
Your home insurance covers the damage to the personal property you keep in your home. The more personal property you want to insure, the higher your premium. In Santa Ana, a standard home insurance policy with personal property limits of $250,000 costs roughly $2,164 per year. Meanwhile, a policy with a personal property coverage limit of $100,000 costs an average of $1,889 per year.
The insurance companies offering the cheapest homeowners insurance in Santa Ana with high personal property limits are:
- Allstate: $1,289 per year
- State Farm: $1,496 per year
Cheap Companies in Santa Ana for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Santa Ana for High Deductibles
Your deductible has a significant impact on the cost of your home insurance. Having a higher deductible means you pay a lower annual premium, but if you file a claim, you pay more out of pocket. In Santa Ana, a home insurance policy with a $2,000 deductible costs an average of $1,628 per year, while a policy with a lower deductible of $1,000 costs an average of $1,889 per year.
The most affordable companies in Santa Ana for a home insurance policy with a $2,000 deductible are:
- Allstate: $1,169 per year
- Travelers: $1,186 per year
The Cheapest Companies in Santa Ana for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Santa Ana if You Have Poor Credit
California’s state rules and regulations prohibit insurance companies from charging higher rates to those with poor credit. As such, insurance companies do not include your credit score when calculating the cost of homeowners insurance in Santa Ana.
Getting Online Homeowners Insurance Quotes in Santa Ana
You can get a quote online from different insurers when shopping for a home insurance policy. However, you need to provide the following information:
- The replacement cost of your home: That is the approximate cost of rebuilding your home. It determines the dwelling coverage limits of your insurance policy. You should hire a construction professional to get an estimate of the replacement cost for your home.
- The value of your personal property: Your home insurance policy covers personal property in your home. You face a higher premium if you opt for high personal property replacement coverage.
- Personal information: The insurer requires you to submit personal details, such as your home address, insurance claim history and who lives in your home.
- House details: The insurer needs to know the age of your home, its size, its built-in safety features, and more to give you an accurate home insurance quote.
Homeowners Insurance in Santa Ana Analysis: Methodology
MoneyGeek conducted this study by analyzing home insurance quotes from 13 insurance companies in Santa Ana, using data provided in partnership with Quadrant. Quotes were collected for a home with varying coverage levels to calculate affordability scores, while the customer satisfaction ratings were drawn from J.D. Power surveys.
The base profile was an average homeowner with a 2,500-square-foot home built in 2000, with dwelling coverage of $500,000, personal property coverage of $200,000 and liability coverage of $100,000. All policies had a deductible of $1,000.
Quotes were also collected for homeowners with newly built homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores.
About Mark Fitzpatrick
