The Cheapest and Best Homeowners Insurance in Santa Clarita
The Cheapest Home Insurance Companies in Santa Clarita
Price is an important consideration when choosing the best homeowners insurance in Santa Clarita since many companies offer the same core coverages.
On average, the cheapest homeowners insurance in Santa Clarita with $500,000 in dwelling coverage is with:
- USAA: $1,576 per year (only available to current and former military members and their families)
- AAA: $1,646 per year
Meanwhile, the average lowest cost homeowners insurance in Santa Clarita for expensive homes with $2 million in dwelling coverage is through:
- ASI: $4,707 per year
- Travelers: $6,818 per year
Using the table below, you can check out how prices change by adjusting the dwelling coverage limits.
The Cheapest Home Insurance in Santa Clarita, Ranked
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MoneyGeek’s sample policy with initial baseline dwelling coverage of $500,000 has personal property limits of $200,000, and a policy with dwelling coverage of $2,000,000 has personal property limits of $800,000. Each policy has $100,000 in liability coverage.
If you live elsewhere in California or may move soon, you can compare home insurance rates statewide.
The Average Cost of Homeowners Insurance in Santa Clarita for 2022
Santa Clarita has slightly higher home insurance rates than the rest of California and the country. At $2,293 per year on average, Santa Clarita homeowners pay around $291 more than the state average of $2,002 per year and roughly $190 more than the national average of $2,103 per year.
Calculate the Cost of Home Insurance in Santa Clarita
Several factors determine homeowners insurance costs in Santa Clarita. These include your location, dwelling coverage and personal property coverage limits. If you want to compare quotes to find the best homeowners insurance in California at the lowest price, use MoneyGeek’s home insurance calculator.
Home Insurance Calculator
These are annual estimates. Get a personalized quote to determine your costs.
The Best Home Insurance Companies in Santa Clarita
Aside from affordability, you should look at an insurance provider’s customer service and financial stability when shopping for homeowners insurance. That way, you’re assured that they will process a claim fairly and quickly during a stressful time in your life.
In Santa Clarita, the best homeowners insurance companies are:
- Best Overall: USAA (only available to those with a military background)
- Runner-up: Travelers
MoneyGeek used a comprehensive scoring system to rank home insurance companies based on affordability, customer satisfaction and financial stability.
USAA is MoneyGeek’s top pick because it earned perfect scores for affordability, stability and customer service. But to get a policy with USAA, you must be a current or former military member or part of a military family.
It’s worth noting that USAA offers unique add-on coverages to its specific customer base. For example, unlike other insurers, it lets California homeowners add earthquake coverage to their policies. Plus, active military members have coverage for the loss of their uniforms with no deductible.Read MoneyGeek's USAA home Insurance Review
Travelers ranked second-best in Santa Clarita for scoring highly across stability and affordability. It offers add-on identity fraud expense coverage of up to $25,000 to help home insurance policyholders restore their stolen identity.
With Travelers, you can get additional replacement costs, which means that if the cost to replace your home is higher than your dwelling coverage, you will still be covered. It also covers the costs of repairing a home with green materials.Read MoneyGeek's Travelers home Insurance Review
Cheapest Home Insurance Companies in Santa Clarita for Newly Constructed Homes
Newly constructed homes in Santa Clarita may cost less to insure. One reason for that is the use of modern materials that are more resistant to damage, so homeowners are less likely to make a claim. Plus, newer materials are often easier for insurance companies to replace.
Based on national factors, home insurance for a newly built home in Santa Clarita costs an average of $1,635 per year, while a policy for a home built in 2000 costs around $2,293 per year.
The cheapest insurance companies in Santa Clarita for new homes with $500,000 in dwelling coverage are:
- USAA: $1,124 per year (only available to military families)
- AAA: $1,174 per year
The Cheapest Home Insurance in Santa Clarita for New Homes, Ranked
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Cheapest Home Insurance Companies in Santa Clarita if You Have a Lot of Personal Property
Your home insurance also covers the personal property you keep at home. If you want a high personal property limit, you have to pay a higher premium. In Santa Clarita, a standard home insurance policy with $250,000 in personal property limits costs an average of $2,484 annually. Meanwhile, a policy with $100,000 in personal property limits has an average cost of $2,293.
On average, the companies providing the cheapest homeowners insurance in Santa Clarita with a high personal property limit are:
- USAA: $1,708 per year (only current and former military members are eligible)
- AAA: $1,783 per year
Cheap Companies in Santa Clarita for Extra Personal Property Coverage
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Cheapest Home Insurance Companies in Santa Clarita for High Deductibles
Your deductible can significantly affect homeowners insurance costs in Santa Clarita. With a higher deductible, you pay less per year for home insurance. But, you have to pay more money out of pocket when you make a claim.
In Santa Clarita, it costs an average of $2,027 for a policy with a $2,000 deductible compared to an average of $2,293 for a policy with a deductible of $1,000.
The companies offering the cheapest home insurance policies in Santa Clarita with a $2,000 deductible are:
- USAA: $1,393 per year (only available to those in a military family)
- AAA: $1,455 per year
The Cheapest Companies in Santa Clarita for High Deductibles, Ranked
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Cheapest Home Insurance Companies in Santa Clarita if You Have Poor Credit
State rules and regulations in California prohibit insurance companies from using your credit score to determine your home insurance premium. That means insurers can’t charge you a higher rate if you have poor credit.
Getting Online Homeowners Insurance Quotes in Santa Clarita
Many companies offer Santa Clarita homeowners the choice of getting a home insurance quote online. When you get a quote for homeowners insurance online, though, you need to provide the following information.
- The replacement cost of your home: That is the amount it costs to rebuild your home. Your home’s replacement cost determines your dwelling coverage limits. A solid recommendation is to hire a building contractor to get an accurate estimate.
- The value of your personal property: The value of your personal property determines your personal property coverage limits.
- Personal information: Insurers require you to submit personal information, including your address, the number of people in your household and your insurance claims history.
- Home details: Insurers will ask for specifics about your home, such as its age, size and any installed safety devices.
Homeowners Insurance in Santa Clarita Analysis: Methodology
MoneyGeek analyzed home insurance premiums from 13 companies in Santa Clarita using the information 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 pulled from J.D. Power surveys.
The base profile used was an average homeowner in Santa Clarita with a 2,500-square-foot home built in 2000, $500,000 in dwelling coverage, personal property coverage of $200,000 and liability coverage of $100,000. All policies included a $1,000 deductible.
Quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage and higher deductibles.
About Mark Fitzpatrick