Anaheim, CA Homeowners Insurance

Anaheim is the second-largest city in Orange County. It’s home to Disneyland Resort, the Honda Center, the Anaheim Convention Center, and US’ leading sports teams, the Los Angeles Angels and the Anaheim Ducks. The city is famously known for the production of canned fruit aircraft parts and electronics.

The city prides itself as the center of family fun as it has something for everyone’s taste. Whether it’s the theme parks or the beautiful beaches, there are so many things that you can do in Anaheim. Disneyland Park, opened by Walt Disney in 1955, is the main tourist attraction. The city’s downtown is perfect for shopping and entertainment as you can enjoy ethnic cuisines, gourmet dishes while shopping at your favorite high-end stores. 

As of 2021, the city has a total population of 336,265 and 101,658 housing units, with a homeownership rate of 48.4%. The median home value in Anaheim is $491,399. The cost of living in the city is 43% higher than the U.S. average. Whether you are currently living in the city or are planning to purchase a house, it is always a good idea to purchase an Anaheim homeowners insurance policy. 

A standard homeowners insurance policy protects you from any unforeseen financial setbacks. Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. If you are looking to buy homeowners insurance in Anaheim, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Anaheim

Though the cost of property is high in Anaheim, the homeowners insurance premium is quite affordable. When you start to look for homeowners insurance, your first step should be to compare rates from the best-rated companies in your area to ensure you get the best rates.

Anaheim’s average homeowner insurance rate is $799, which is significantly lower than the national average.   

Anaheim Homeowners Insurance Rates Compared to State and National Averages

Anaheim Average Home Insurance Cost (annual)California AverageUnited States Average
$799$1,173$1,444

Anaheim Homeowners Insurance Premiums by Company

During your search for finding the right homeowners insurance in Anaheim, you will notice that different homeowners insurance companies offer different prices for the same type of coverage. The reason behind the fluctuation is that the insurance companies have their own system to calculate the homeowners insurance premiums. You need to find the right insurance company for your needs. 

In Anaheim, Mercury offers the most affordable home insurance, valued at just $605 per year. Take a look at the table below and see rates offered by different insurance providers in Anaheim. 

Anaheim Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Mercury$605
AAA$672
USAA$685
Allstate$718
Nationwide$722
Amica Mutual Insurance$1232

Anaheim Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit used to pay for the replacement or repair cost of your property in case of a disaster. Generally, if your dwelling coverage selected level is high, your homeowners insurance will cost more. 

Here’s how different coverage levels affect your annual homeowners insurance cost in Anaheim:

Homeowners Insurance Rates in Anaheim by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$100,000$392
$200,000$610
$300,000$844
$400,000$1,259
$500,000$1,375
$750,000 to $1000,000$2,040

Anaheim Homeowners Insurance Rates by ZIP Codes

Homeowners insurance companies in Anaheim use local variables to calculate potential risks and insurance costs. The location of your home is the primary factor that can make your insurance cost high or low. Even if you move from one street to another in the same city, your homeowners insurance premium will fluctuate. 

Take a look at the table below, as we have listed the homeowners insurance rates in Anaheim based on different ZIP codes. 

Cost of Homeowners Insurance in Anaheim by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Olive St.92805$849
Magnolia Ave92804$862
Euclid Street92802$865
Morning Sun Ln92808$1,504
Ash Via92801$1,602

Popular Home Insurance Deductibles in Anaheim 

When you purchase homeowners insurance, your insurance company would ask you to decide on a deductible amount. Deductibles are an important part of your homeowners insurance policy. It is an amount that homeowners agree to pay to the insurance company before filing an insurance claim. The deductible amount selected by you will have a direct effect on your insurance premium. 

Generally, if your deductible is lower, your insurance premium will be more. So, if you want your annual premium to be low, you should choose a high deductible amount.

Homeowners Insurance Cost in Anaheim based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$939
$1,000$836
$1,500$788
$2,000$711
$5,000$593

Homeowners Insurance Coverages Available in Anaheim

A standard homeowners insurance policy in Anaheim provides the following coverages:

  • Dwelling Coverage – Provides coverage for any damage to the physical structure of your home. 
  • Attached Structures Coverage – Protects the monetary loss for any structure attached to your home, such as a garage or shed. 
  • Personal Property Coverage – Provides coverage to your home’s content, including clothes, furniture, appliances or equipment, and jewelry. 
  • Personal Liability Coverage – Provides coverage if someone gets injured on your property or if a resident of your home caused the injury. 
  • Medical Expenses Coverage – Covers the medical expenses if someone gets injured at your property. 
  • Additional Living Expense – Covers additional living expenses that might incur while living away from your home during an insurance claim. 

Best Home Insurance Companies in Anaheim

A homeowners insurance policy protects your biggest asset against any unforeseen disasters. It’s a big decision that can’t just rely on the quote offered by an insurance provider. 

While shopping for an insurance policy, you must pay attention to the company’s financial stability to ensure they can pay money if a claim is filed. You should also check their customer service rating, customer complaints, and management stability. To make your research easier, we have listed the best Anaheim homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Anaheim

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
Amica5 out of 5 starsA+ (Superior)A+
Allstate 3 out of 5 starsA+ (Superior)A+
USAA 5 out of 5 starsA++ (Superior)B-
State Farm 4 out of 5 starsA++ (Superior)A
Liberty Mutuals 3 out of 5 starsAA-

Top Homeowners Insurance Agents in Anaheim

Homeowners Insurance Agency Near AnaheimAddress
State Farm Insurance Agent3455 E La Palma Ave Ste 100, Anaheim, CA 92806, United States
Farmers Insurance 305 S State College Blvd, Anaheim, CA 92806, United States
Cornerstone Insurance Agency430 N State College Blvd, Anaheim, CA 92806, United States
GEICO Insurance Agent1680 W Lincoln Ave, Anaheim, CA 92801, United States
State Farm Insurance Agent1598 W Katella Ave, Anaheim, CA 92802, United States
Rai’s Insurance Services, INC2612 W Lincoln Ave #103, Anaheim, CA 92801, United States

Common Causes of Home Insurance Claims in Anaheim

If you live in Anaheim, having a homeowners insurance policy is necessary to protect yourself from a financial setback. The average cost of homeowners insurance in Anaheim is lower than most California cities. Although the number of homeowners insurance claims filed each year has declined, but there are still some perils that cause homeowners insurance claims, such as:

  • Water damages – 30%
  • Wind damage – 25%
  • Fire or explosion – 17%
  • Appliance failure – 12%
  • Theft and burglary – 12%
  • Rain, snow, ice damage – 4%

Money-Saving Tips for Anaheim Homeowners Insurance 

Despite the low Anaheim homeowners insurance rate, the residents are always looking for ways to save money. Here are some money-saving tips for homeowners looking for affordable insurance policies:

  • Shop around by getting free quotes from different providers. 
  • Raise your deductibles
  • Make your home more risk-free
  • Install security equipment and ask your insurance agents for discounts for getting security devices.
  • Stay with one trusted insurance company and build a rapport to ask for additional discounts. 
  • Bundling your home and auto insurance policy can help you reduce your insurance cost by 20%. Refer to the table below and see how bundling affects your insurance premium.

Auto & Homeowners Insurance Bundling Discounts in Anaheim

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,186
GEICO$1,271
Farmers$1,543
State Farm$1,873
Allstate$1,878

Special Resources for Residents of Anaheim: 

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Anaheim, CA Homeowners Insurance FAQs

That depends on where the property is. For example, if your home is close to the Santa River, you may need flood coverage. Some mortgage lenders may also force you to purchase flood coverage. You can buy the policy from a private company or the National Flood Insurance Program (NFIP).

Your boat (vessel) is personal property, so it will be covered if it gets vandalized or damaged while it’s on the insured property. 

Bundling policies is a great way of saving on premiums. You can save up to 20% by bundling auto and home insurance policies. This is highly recommended for homeowners seeking insurance.

This depends on the type of coverage you chose at the time of purchase. The insurance company may use the actual cash value or the replacement cost without depreciation. The amount of deductible will be subtracted. 

Valuable possessions may cost more than what the policy covers. For that reason, you need to purchase separate coverage for the expensive personal belongings. 

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