Santa Ana, CA Homeowners Insurance

Santa Ana is located 10 miles away from the Santa Ana River. It’s one of the best places to live in Orange County, California. Home to Discovery Cube, the Mission Revival-style Bowers Museum, and the Santa Ana Zoo make it a city full of wonders and entertainment for the whole family.

Santa Ana is a great place that offers arts, culture, and classic architecture. The city’s downtown is filled with galleries, theaters, boutiques, and cafes. If you are hungry to satisfy your inner art lover, you can visit the Grand Central Theatre, which has dance studios, art galleries, and workspace for artists. When you grow an appetite, you don’t have to leave the neighborhood; Just walk to Gypsy Den and enjoy their vegan and vegetarian delicacies. 

The sense of community is very strong, and people are always very welcoming. As of 2021, the city has a total population of 332,794 and 76,624 housing units, with a homeownership rate of 44.8%. The median home value in Santa Ana is $421,599. Whether you are currently living in the city or are planning to purchase a house, it is always a good idea to purchase a Santa Ana homeowners insurance policy to protect the biggest investment of your life. 

It is not legally required to purchase homeowners insurance in Santa Ana; it’s still a wise idea to get one anyway. If you are looking to buy homeowners insurance in Santa Ana, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in Santa Ana

When you start looking for Santa Ana homeowners insurance policy, you must compare prices and coverages offered by different providers.  It is always good to negotiate the insurance provider’s premium cost to obtain the right coverage at the right cost. 

To negotiate the homeowners insurance premium, you should know the average cost of homeowners insurance in your city and state. In Santa Ana, the average cost of a homeowners insurance policy is $1,180, which is lower than the national average.  

Santa Ana Homeowners Insurance Rates Compared to State and National Averages

Santa Ana Average Home Insurance Cost (annual)California AverageUnited States Average

Santa Ana Homeowners Insurance Premiums by Company

When you start comparing Santa Ana homeowners insurance rates, you will notice that price fluctuates greatly from one company to another, even for the same coverage levels. We researched and reviewed different homeowners insurance premiums in Santa Ana.  

Mercury offers the most affordable Santa Ana home insurance, valued at just $550 per year. Take a look at the table below and see rates offered by different insurance providers in Santa Ana. 

Santa Ana Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
State Farm$736

Santa Ana 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. If your dwelling coverage selected level is high, your homeowners insurance will cost more. 

Look at the table below and see how different coverage levels affect your annual homeowners insurance cost in Santa Ana:

Homeowners Insurance Rates in Santa Ana by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$500,000 $1,478
$750,000 to $1000,000$1,647

Santa Ana Homeowners Insurance Rates by ZIP Codes

Santa Ana insurance companies use different local variables to calculate your homeowners insurance premium, which is why you can see huge differences between homeowners insurance premiums. Even if you move from one street to another, your homeowners insurance cost might differ drastically.  

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

Cost of Homeowners Insurance in Santa Ana by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
S McLean Dr92704$622
English St92703$735
S Orange Ave92701$858
N Pacific Ave92706$876
W Sunflower Ave92799$923
View Lk92705$939

Popular Home Insurance Deductibles in Santa Ana

When you purchase homeowners insurance in Santa Ana, you would need to decide on a deductible amount. A homeowner insurance deductible is an amount a homeowner agrees to pay the insurance provider before they payout on a claim. For instance, if your house suffered damage of $4000 and your deductible amount is $1000, you will only receive $3000 from your insurance company, and you will need to pay the remaining $1000 from your own pocket. 

The following table shows how Santa Ana homeowners insurance rates fluctuate based on different deductible amounts. 

Homeowners Insurance Cost in Santa Ana based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate

Homeowners Insurance Coverages Available in Santa Ana

A standard homeowners insurance policy in Santa Ana 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 the injury was caused by a resident of your home. 
  • 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 Santa Ana

When you are looking for a homeowners insurance policy in Santa Ana, price is not the only factor you need to consider. You should also take time to check the insurance company’s customer satisfaction rates, claim process, and financial stability.  

To make your research easier, we have listed the best Santa Ana homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in Santa Ana 

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

Top Homeowners Insurance Agents in Santa Ana

Homeowners Insurance Agency Near Santa AnaAddress
Insurance Partners Inc2107 N Broadway STE 108, Santa Ana, CA 92706, United States
California Insurance Specialists400 N Tustin Ave Suite 425, Santa Ana, CA 92705, United States
Elmco Insurance Inc1905 N Main St, Santa Ana, CA 92706, United States
Velece Insurance830 N Ross St, Santa Ana, CA 92701, United States
State Farm Insurance Agent1780 E McFadden Ave #114, Santa Ana, CA 92705, United States
ERM Insurance Brokers3000 W MacArthur Blvd #120, Santa Ana, CA 92704, United States
State Farm Insurance Agent1077 W 17th St B, Santa Ana, CA 92706, United States

Common Causes of Home Insurance Claims in Santa Ana 

Santa Ana homeowners insurance covers many perils, including windstorms, theft, hail, water damages, etc. In Santa Ana, there are some common perils that cause the most homeowners insurance claims, such as:

  • Wildfires
  • Floods
  • Earthquakes
  • Damages caused to the exterior of the house
  • Water damages caused by appliance failure or plumbing
  • Theft and burglary

Money-Saving Tips for Santa Ana Homeowners Insurance 

If you are looking for enhanced homeowners insurance in Santa Ana, you don’t have to compromise with the price. One of the best ways to reduce your cost is bundling your auto and home insurance policies. Bundling can help you reduce your insurance premium cost by 20%. 

Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums. 

Auto & Homeowners Insurance Bundling Discounts in Santa Ana

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,872

Special Resources for Residents of Santa Ana: 

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Santa Ana, CA Homeowners Insurance FAQs

Homeowners Insurance is not mandatory for all Santa Ana residents, but the mortgage companies require it. So, if you are planning to get a mortgage on your house, you need to provide proof of homeowners insurance.

The amount you’ll pay for homeowners insurance will depend on several factors, including the level of risk, what construction materials are used, your home’s cost, the type of coverage, and many more. The average homeowners insurance in Santa Ana is $1,180, which is lower than the national average.

One way to lower premiums is to consider carrying a higher deductible. Higher deductibles are only necessary if you are sure you have a low chance of making claims. You may qualify to get discounts for installing smoke detectors, burglar alarms, and deadbolts. The best way to reduce your cost is by bundling your auto and home insurance policies. Bundling can help you reduce your insurance premium cost by 20%.

Yes, depending on the circumstances. But you’ll be covered only if the injury doesn’t result from your negligence or when it wasn’t intentional. You may have to prove the conditions under which the injury took place. Homeowners insurance policies will cover legal expenses and medical bills.

Most basic homeowners insurance coverage will take care of damages from a volcanic eruption, damage by glazing material/glass, smoke, aircraft vehicles, civil commotion and riots, explosions, hail and windstorms, lighting, fire, etc. If you live in a high-risk zone of wildfires, floods, and earthquakes, you should also consider getting additional coverage to protect your investment.

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