Santa Clarita is located in Los Angeles County, just 35 miles away from Los Angeles. The city is famous for its natural scenes and beauty and has appealed to many movie directors to shoot scenes. It’s home to several attractions, along with a peaceful environment. People who want to fly away from the hustle and bustle of a big city often find themselves coming to Santa Clarita and falling in love with this charming city.
Santa Clarita offers activities for everyone, young or old, male or female; It has something for everyone. The Mountasia Family Fun Center is the ultimate destination for spending time with your family and loved ones. It has old-fashioned games, an ice cream parlor, rides, a rock-climbing wall, miniature golf, and a batting cage. In addition to these indoor adventures, the city also has museums, wineries, and musical attractions. There is a museum named Passage dedicated to the history of the Bible. The Robinson Ranch Golf Club and Pulchella Winery are also very popular among the residents and tourists.
Due to its urban sophistication and small-town charm, Santa Clarita has lured many people to settle here. As of 2021, the city has a total population of 213,411. There are 69,046 households in the city, with a homeownership rate of 67.8%. The median value of a home in Santa Clarita is $461,499. The residents of the city are always looking for cheap Santa Clarita homeowners insurance. If you are currently living in the city or are planning to purchase a house, it is always a good idea to purchase a Santa Clarita homeowners insurance policy.
A standard homeowners insurance policy in Santa Clarita will protect your property 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 Santa Clarita, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies.
Your home is the biggest investment of your life, and it is vital to protect it against any unforeseen disasters. A standard homeowners insurance policy protects the homeowner’s assets, personal property and covers any medical bills. When you are looking for homeowners insurance, you need to compare rates from the top-rated companies in your area to ensure you get the best premium.
In Santa Clarita, the average homeowner insurance rate is $1,390, which is slightly lower than the national average.
|Santa Clarita Average Home Insurance Cost (annual)||California Average||United States Average|
When you start looking for affordable Santa Clarita homeowners insurance premiums, you will notice that rates vary significantly between companies. All the insurance companies offer special discounts, which affects the insurance price as well.
In Santa Clarita, Mercury offers the cheapest homeowners insurance policy, valued at just $439 per year. Take a look at the table below and see rates offered by different insurance providers in Santa Clarita.
|Company||Average Annual Premium Rate|
When you purchase homeowners insurance, you need to choose a dwelling coverage limit covering the cost to rebuild or replace your home if it gets damaged due to any covered disasters. The dwelling coverage selected by you will have a direct impact on the cost of your homeowners insurance.
Here’s how different coverage levels affect your annual homeowners insurance cost in Santa Clarita:
Homeowners Insurance Rates in Santa Clarita by Coverage Limits
|Dwelling Coverage Amount||Annual Home Insurance Cost|
|$750,000 to $1000,000||$2,165|
Not every neighborhood has the same insurance rates in Santa Clarita. If your neighborhood is prone to wildfires, floods, and heavy snow, you will likely have a high homeowners insurance premium. The cost of Santa Clarita homeowners insurance depends on the local variables like the location of your house, number of claims submitted in your neighborhood, crime rate, and property cost.
Take a look at the table below, and see how homeowners insurance rates in Santa Clarita differ based on different ZIP codes.
|Neighborhood||ZIP Code||Average annual homeowners insurance rate|
|Oakleaf Canyon Dr||91321||$838|
|Warm Springs Dr||91387||$899|
|W Garzota Dr||91354||$1,289|
When you purchase homeowners insurance, your insurance agent would ask you to decide on a deductible amount. A deductible is a dollar amount that a homeowner is responsible for paying when filing an insurance claim. A high deductible can help you to reduce the cost of your homeowners insurance premium.
The following table shows how Santa Clarita homeowners insurance rates fluctuate based on different deductible amounts.
|Deductible Level||Average Annual Homeowners Insurance Rate|
A standard homeowners insurance policy in Santa Clarita provides the following coverages:
When looking for a homeowner insurance policy in Santa Clarita, don’t just pay attention to the cost. You need to also consider the customer service, claim process, and financial status of the insurance provider.
We compiled a list of the best Santa Clarita homeowners insurance companies based on J.D. Power Rankings, A.M. Best Ratings, and BBB Ratings.
|Company||J.D. Power Ranking||A.M. Best Rating||BBB Rating|
|State Farm||4 out of 5 stars||A++ (Superior)||A|
|Liberty Mutuals||3 out of 5 stars||A||A-|
|Farmers||3 out of 5 stars||A+ (Superior)||A+|
|Travelers||5 out of 5 star||A++ (Superior)||A+|
|Erie||5 out of 5 stars||A+ (Superior)||A+|
|Homeowners Insurance Agency Near Santa Clarita||Address|
|Carlos Villalobos Insurance Agency Inc.||25001 The Old Rd, Santa Clarita, CA 91381, United States|
|Nationwide Insurance: David Noma Agency||23236 Lyons Ave Ste 205, Santa Clarita, CA 91321, United States|
|State Farm Insurance Agent||23033 Lyons Ave #1, Santa Clarita, CA 91321, United States|
|Dynamite Insurance Brokerage||22924 Lyons Ave #207, Santa Clarita, CA 91321, United States|
|Ron Young Insurance Inc||23929 Valencia Blvd UNIT 408, Santa Clarita, CA 91355, United States|
|Megarian Insurance||24881 Railroad Ave Suite 203, Santa Clarita, CA 91321, United States|
|Allstate Insurance||24502 Lyons Ave # 4, Santa Clarita, CA 91321, United States|
A standard Santa Clarita homeowners insurance will protect you against the common losses caused by fire, theft, windstorms, vandalism, and many more. Here are the top causes of homeowners insurance claims in Santa Clarita:
If you want to save money on your Santa Clarita homeowners insurance, you can try these steps:
The best way to reduce the cost of your homeowners insurance policy is by bundling your home and auto insurance. Bundling can reduce your insurance premium by 20%.
Refer to the following table to see how bundling your home and auto insurance affects your insurance premiums.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
Yes, they can. The frequency of fires and natural disasters has led companies to increase the rates in affected regions. However, be on the lookout for greedy agents that might exploit you in the name of increased risks.
Your Santa Clarita homeowners insurance policy covers your personal belongings against any damages caused by covered perils. Generally, the policy covers personal belongings at 50% and the loss of use coverage at 20%.
Standard homeowners insurance provides financial coverage against losses caused by disasters, theft, and accidents. Most of the homeowners insurance policies offer four types of coverage:
As the age of your home increases, new problems arise. Especially if you start renovating your house, you will encounter endless issues that were hidden. With the increased risk, you need coverage that will fit the age and condition of your house.