Santa Clarita, CA Homeowners Insurance

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. 

Average Homeowners Insurance Cost in Santa Clarita

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 Homeowners Insurance Rates Compared to State and National Averages

Santa Clarita Average Home Insurance Cost (annual)California AverageUnited States Average
$1,390$1,173$1,444

Santa Clarita Homeowners Insurance Premiums by Company

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. 

Santa Clarita Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Mercury$439
Safeco$578
Western Mutual$596
AAA$630
Encompass$856
American Security$952

Santa Clarita Homeowners Insurance Rates by Coverage Amount 

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 AmountAnnual Home Insurance Cost
$100,000$379
$200,000$885
$300,000$1,015
$400,000$1,240
$500,000$1,345
$750,000 to $1000,000$2,165

Santa Clarita Homeowners Insurance Rates by ZIP Codes

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. 

Cost of Homeowners Insurance in Santa Clarita by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Banuelo Ave91350$563
Caprock Rd91390$622
Preston Way91354$646
Oakleaf Canyon Dr91321$838
Warm Springs Dr91387$899
Roman Ct91350$1,071
W Garzota Dr91354$1,289

Popular Home Insurance Deductibles in Santa Clarita

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. 

Homeowners Insurance Cost in Santa Clarita based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,370
$1,000$1,239
$1,500$1,169
$2,000$1,061
$5,000$943

Homeowners Insurance Coverages Available in Santa Clarita

A standard homeowners insurance policy in Santa Clarita provides the following coverages:

  • Dwelling Coverage: Your homeowners insurance policy provides coverage against the damages caused by fire, hurricanes, vandalism, and other covered peril. Your insurance provider will reimburse the cost to repair or replace the structure of your property.  
  •  
  • Other Structure: Homeowners insurance also covers the structures attached to your home, such as a garage or shed. 
  • Personal Property: Homeowners insurance covers all the personal property that’s inside your house. Insurance companies also offer ‘Off-Premises’ coverage specific to your personal possessions, such as jewelry. 
  • Loss of Use: After an unforeseen event, if you are forced to stay out of your home, your insurance policy will cover all the living expenses related to housing and food till your house gets repaired. 
  • Personal Liability: If your son or a dog was responsible for causing an injury to someone or their property, your insurance would cover it. 
  • Medical Expenses: If a guest gets injured at your house, your Santa Clarita homeowner insurance will be responsible for paying for their medical expenses.

Best Home Insurance Companies in Santa Clarita

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.

Best Cheap Homeowners Insurance Company in Santa Clarita 

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

Top Homeowners Insurance Agents in Santa Clarita

Homeowners Insurance Agency Near Santa ClaritaAddress
Carlos Villalobos Insurance Agency Inc.25001 The Old Rd, Santa Clarita, CA 91381, United States
Nationwide Insurance: David Noma Agency23236 Lyons Ave Ste 205, Santa Clarita, CA 91321, United States
State Farm Insurance Agent23033 Lyons Ave #1, Santa Clarita, CA 91321, United States
Dynamite Insurance Brokerage22924 Lyons Ave #207, Santa Clarita, CA 91321, United States
Ron Young Insurance Inc23929 Valencia Blvd UNIT 408, Santa Clarita, CA 91355, United States
Megarian Insurance24881 Railroad Ave Suite 203, Santa Clarita, CA 91321, United States
Allstate Insurance24502 Lyons Ave # 4, Santa Clarita, CA 91321, United States

Common Causes of Home Insurance Claims in Santa Clarita

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:

  • Wildfires: Santa Clarita experiences one wildfire every season. In August 2020, the Elsmere fire caused a huge loss in the city.
  • Floods: Despite being surrounded by hills and valleys, the dry weather conditions can cause droughts in some areas, making it harder for the ground to absorb water during the rainy seasons, leading to floods. 
  • Earthquakes: In 1994, the Northridge Earthquake shook the city of Santa Clarita. Recently, the city experienced an earthquake of 3.0 magnitude. Scientists have predicted that the city will receive one big earthquake in the coming years. 

Money-Saving Tips for Santa Clarita Homeowners Insurance 

If you want to save money on your Santa Clarita homeowners insurance, you can try these steps: 

  • Renovate your house
  • Install sprinklers, fire alarms, and burglar alarms
  • Pay the premium in full.
  • Increase the deductible amount

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.

Auto & Homeowners Insurance Bundling Discounts in Santa Clarita

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
Mercury$1,385
GEICO$1,379
Farmers$1,732
AAA$2,013
State Farm$2,022

Special Resources for Residents of Santa Clarita: 

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Santa Clarita, CA Homeowners Insurance FAQs

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:

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Personal liability protection
  • Coverage for additional living expenses that might incur while your property is getting repaired. 

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. 

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