Orange, CA Homeowners Insurance

Orange County is a metropolitan city in the state of California, United States. This city of over three million people is a haven for working, living, and raising your family. This city is the home to the famous Anaheim’s Disneyland Resort, Honda center, exquisite restaurants, and breathtaking sandy beaches. 

The city is plagued with the fear of earthquakes and California’s wildfire, which recently burned close to the city. The high influx of tourists makes this haven an expensive place to live. Despite this high figure, the cost of living is quite high, and 57 percent of people living in Orange County are homeowners.

We are here to help you find the right homeowners insurance to protect your properties and investment. The average cost of insurance in the city is $891; it is one of the lowest in California, and it is 25 percent lower than the country’s average insurance rate.

What is the average insurance rate in Orange? 

Homeowners insurance rates: Orange Vs. State Vs. National average

Orange Annual AverageCalifornia AverageUnited States Average
$891$1,868$1,548

Companies Offering The Most Affordable Home Insurance In Orange

The insurance company providing your homeowner’s insurance is a primary determinant of how much you will pay for your insurance plans. Mercury insurance has the best prices in homeowners insurance in Anaheim at a rate of $610.

Best home insurance company in Orange

CompanyAverage Annual rates ($)
MetLife410
State Farm722
Stillwater insurance Group935
American National Property and Casualty Company952
Safeco Insurance1,213
Century National 1,230
Farmers Insurance1,548
Encompass Insurance1,612
Nationwide1,652

Homeowners insurance in Orange by coverage

Various factors contribute to the overall cost of insurance in different locations. Orange County has one of the most magical buildings on Earth; this greatly influences property price. The average property price in Orange is over six hundred thousand dollars. There is a direct relationship between property cost and premium paid on insurance. 

Buying a home in Orange is a huge investment, and it will be best to protect such an investment from damage or risks. It will help if homeowners in Orange county seek insurance coverage on their properties even though the law does not stipulate it. Your selected home coverage level also affects how much you pay as a premium annually.

Coverage level and average insurance premium

Dwelling Coverage levelAverage annual premium
$100,000 $392
$200,000 $610
$300,000$836
$400,000$1260

Areas with the cheapest Insurance in Orange

Your property location in Orange county determines your yearly premium. Property values, fire hazards, number of residents that filed claims in the previous year, and crime rate. We provide the cheapest and most expensive areas below.

Homeowners insurance rate in Orange by zip code

Names of AreasZipcodes of areasAverage annual bundle insurance rate
Center Street Promenade92805$857
Beach BLVD92804$858
Cerritos Avenue92802$858
La Palma Avenue92899$919
PO Box 2706192809$931
Avenida Cordoba92808$933

Orange Homeowners deductibles

As a homeowner insurance holder, you have the luxury of picking the amount of deductibles on your insurance premium. Deductibles are the maximum amounts a homeowner covers in the event of damage before the insurance company covers the rest. The lower your deductible amount, the more money you have to pay for insurance every month. 

Homeowners insurance rates by deductibles 

DeductiblesAverage insurance premium
$500$939
$1000$836
$1500$789
$2000$711
$5000$593

What Are The Types Of Home Insurance In Orange

Orange has eight different types of insurance coverage for people who purchase homeowner insurance; they are listed below

Orange Home Insurance types and Coverage 

Homeowners insuranceWhat is covered
HO-1 (Basic Plan)
  • This is the least homeowner insurance coverage available in Orange
  • The basic plan coverage includes natural disasters like storms, wind, volcanic, lightning, and fire.
  • Theft of personal property is also covered in this plan.
  • Damage to properties from a vehicular collision
  • Damage from Explosion and civil unrest
HO-2 (Broad Plan)
  • The broad plan covers damage to both personal properties and the physical structure of the house
  • HO-2 is an upgrade from the basic form
  • Its coverage includes damage caused by falling objects, snow, ice, or sleet damage
  • It covers damage to pipes caused by freezing
  • Damage to household systems due to artificially generated electrical currents
HO-3 (Special Plan)
  • It is the most common choice among homeowners in Orange
  • HO-3 covers all damages except those specifically excluded in the policy coverage
HO-4 (Tenant’s Plan) 
  • This policy is for renters
  • The coverage includes all damages in HO-2
  • The tenant plan covers personal property and liability but not the physical structures of the insured building
  • It may include loss of use coverage
HO-5 (Comprehensive Plan) 
  • This is the broadest homeowner insurance coverage available
  • HO-5 covers not just the cost of the damaged item but the total cost of repairs; this is unlike HO-3 that only covers the cost of damaged properties
  • HO-5 offers better personal property coverage, including pieces of jewelry
HO-6 (Condo Plan)
  • This plan is for condo owners
  • They provide limited Coverage for condos; the condo plan covers ceilings, floors, and the unit walls only.
  • This policy also caters for personal property and liability
HO-7 (Mobile home Plan)
  • Mobile home form is for mobile homeowners
  • It only covers the mobile home while it is stationary; you have to get additional coverage if you intend to move the home
  • It has the same Coverage as HO-3
HO-8 (Older home Plan)
  • This premium is for old houses deemed as landmarks or registered as historical homes
  • This policy offers the same Coverage as HO-1
  • The owner is not allowed to upgrade electricity or any other system that will make the house eligible for HO-3

Best Home Insurance companies in Orange

When it comes to deciding the insurance company to use for your homeowners insurance, you should consider the company’s financial stability.  This will determine the company’s ability to pay insurance claims. So, before purchasing insurance policy in any company, ensure you check the AM Best rating and the JD Power ranking of the company. 

Best insurance company in Orange based on the AM rating and JD power ranking. 

Home insurance companyAverage annual rate for $250K dwellingJ.D. Power customer satisfaction scoreAM Best Rating
The Hartford$1,215843/1000A+ 
CSAA Insurance Group$807832/1,000
Allstate$1,233838/1000A+ 
State Farm$802837/1000A++ 
USAA$671898/1000A++ 

Major Natural Disaster risk for homeowners in Orange

Every homeowners insurance has its coverage limits. Some cover standard risks like fire damage, vandalism, and theft. However, when it comes to major natural disasters, the basic insurance policy might not cover losses from this kind of damage. 

In Orange, here are the major natural disasters you need coverage from.

  • Wildfire: One of the major risk pertinent in Orange, and California at large is wildfires. In recent years, California has experienced losses in millions of dollars due to damage from wildfires. 
  • Flood:. The basic homeowners insurance covers water damages from a burst pipe but not damage from flooding. You might need to confirm from your provider about the coverage for flood insurance. 
  • Earthquake: You should add on coverage for earthquake to your insurance policy plan since the basic insurance policy does not include earthquake insurance

The Top Homeowners Insurance Agents In Orange, CA

Home Insurance Company Homeowners Insurance AgentsAddress of Agents 
State FarmAdolfo Saldana7344 Magnolia Ave Ste 100, Riverside, CA, 92504-3819
TravelersBeall Financial & Ins Serv Inc130 W Vine St, REDLANDS, CA, 92373
TravelersNew Century Insurance Services Inc16 N SECOND ST, ALHAMBRA, CA, 91801
State FarmSuzanne Flores4788 Peck Rd, El Monte, CA, 91732-1349
State FarmYvonne Solis1375 W Sunset Blvd, Los Angeles, CA, 90026-4449

Companies in Orange with the Best Bundling Packages

An excellent way to save up on your insurance policy is by doing a bundle package. The bundle package covers both your home and your car and is provided by the same insurance company. Bundling saves you 17% annually.

Best bundle rates and companies in Orange

CompanyAverage Bundle premium
Mercury$1,186
GEICO$1,271
Farmers $1,543
Allstate$1,873
State Farm$1,873

Special resources for Homeowners in Orange, CA

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Orange, CA Homeowners Insurance FAQs

Your new insurance will not cover damage incurred during your lapsed insurance. Your insurance company typically gives you three months before severing ties with you. It is advisable not to let your insurance plan expires or lapse before renewing it.

Yes, your homeowner’s insurance should typically cover any damage to your boat while it is on your property if you have at least an HO-3 insurance policy.

Homeowners insurance is not compulsory under California law. However, we recommend you get insurance. Lenders generally require you to have valid homeowners insurance while paying off your mortgage.

Yes, you can bundle your home and a bike if you do not have a car. If you have multiple cars, a car, and a bike, you can bundle all of these together with your home. Speak to your insurer about your bundling options.

Orange has several earthquakes yearly. This city suffered over 500 earthquakes in 2020. Most of these earthquakes are not serious enough to cause a lot of damage to your property. For most homeowners insurance in Orange, damage from the earthquake is not covered. It would be best to get an earthquake policy on your property.

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