How much is homeowners insurance in Santa Clara, Utah?

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The average cost of homeowners insurance in Santa Clara is $1,735 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 $847 less than the national average of $2,582 .

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

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

State Farm is the cheapest homeowners insurance company in Santa Clara with an average annual premium of $1,001 per year.

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

Key Takeaways

The cost of your homeowners insurance policy in Santa Clara can vary based on factors such as your location, the value of your home, and the coverage options you select.
State Farm is the cheapest homeowners insurance company in Santa Clara with an average annual premium of $1,001 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $374 more annually for home insurance.

How much is homeowners insurance in Santa Clara per month?

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Santa Clara pay an average of $145 per month. It’s $4 less than the state average of $149 and $70 less than the national average for home insurance across the nation.

How much is homeowners insurance for a $200,000 house in Santa Clara?

In Santa Clara, homeowners pay an average of $1,361 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. Keep in mind that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, you should purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Santa Clara?

Homeowners in Santa Clara typically pay an average of $1,735 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 $374 . 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 Santa Clara by company?

After comparing several homeowners insurance companies, State Farm offers the lowest rates in Santa Clara. Its average annual rate for homeowners in Santa Clara is $1,001 , while American Family is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Santa Clara and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Santa Clara and their average annual premiums.

Home insurance company	Annual rate
State Farm	$1,001
American Family	$1,208
Auto-Owners	$1,488
Farmers	$1,493
Nationwide	$1,567
USAA*	$2,335

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

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Utah that can impact your home insurance

Living in Utah comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Utah is commonly affected by Avalanche.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

TIP

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Santa Clara for $300,000 dwelling coverage, $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.