How much is homeowners insurance in Santa Clarita, California?

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The average cost of homeowners insurance in Santa Clarita is $1,612 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 $970 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 Clarita depend on a number of factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

Allstate is the cheapest homeowners insurance company in Santa Clarita with an average annual premium of $940 per year.

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

Key Takeaways

The cost of your homeowners insurance policy in Santa Clarita can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Santa Clarita with an average annual premium of $940 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $418 more annually for home insurance.

How much is homeowners insurance in Santa Clarita 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 Clarita pay an average of $134 per month. It’s $18 more than the state average of $116 and $81 less than the national average for home insurance across the nation.

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

In Santa Clarita, CA, homeowners pay an average of $1,194 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 Santa Clarita?

As per rate analysis by Insure.com, homeowners residing in Santa Clarita typically pay an average of $1,612 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $418 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Santa Clarita by company?

Among the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Santa Clarita. Its average annual rate for homeowners in Santa Clarita is $940 , while Auto Club Enterprises (AAA) ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Santa Clarita and compiled a list of the most affordable home insurance companies.

Below are details of Santa Clarita home insurance companies and their average annual premiums.

Home insurance company	Annual rate
Allstate	$940
Auto Club Enterprises (AAA)	$1,096
Travelers	$1,340
CSAA Insurance (AAA)	$1,494
State Farm	$1,611
Mercury Insurance	$1,680
Farmers	$1,918
Nationwide	$1,920
USAA*	$1,529

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

Combining your home insurance with other policies, like auto insurance, can result in significant savings. Insurers often provide discounts to policyholders who bundle their policies, helping you reduce premiums. Bundling lowers your premiums and simplifies managing your insurance with one company.

Natural disasters in California that can impact your home insurance

Living in California means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

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

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

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 Santa Clarita 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.