How much is homeowners insurance in Anaheim,CA

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The average cost of homeowners insurance in Anaheim is $1,401 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,181 less than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Anaheim depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Anaheim with an average annual premium of $883 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Anaheim. Keep reading to learn about the monthly cost of homeowners insurance in Anaheim, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Anaheim.

Key Takeaways

The average cost of homeowners insurance in Anaheim is $1,401 per year.
Allstate is the cheapest homeowners insurance company in Anaheim with an average annual premium of $883 .
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $365 more a year for home insurance.

How much is homeowners insurance in Anaheim per month

Residents of Anaheim pay an average of $117 a month for homeowners insurance. It’s just $1 more than the state average of $116 and $98 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Anaheim may change based on location, property value, and selected coverage options.

How much is homeowners insurance for a $200,000 house in Anaheim

In Anaheim, CA, homeowners pay an average of $1,036 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in Anaheim

Homeowners in Anaheim typically pay an average of $1,401 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $365 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Anaheim by company

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Anaheim, offering an average annual rate of $883 , while Auto Club Enterprises (AAA) ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Anaheim and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Anaheim and what you can expect to pay with each one on average.

Home insurance company	Annual rate
Allstate	$883
Auto Club Enterprises (AAA)	$1,019
Travelers	$1,037
CSAA Insurance (AAA)	$1,093
State Farm	$1,336
Nationwide	$1,351
Mercury Insurance	$1,529
Farmers	$1,823
USAA*	$1,382

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in California that can impact your home insurance

Living in California comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

California is commonly affected by Drought, Earthquake, Heat wave, Landslide and Wildfire.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Make sure your coverage is disaster-ready

The best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Anaheim for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.