How much is homeowners insurance in Santa Clarita, CA

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In Santa Clarita, homeowners pay an average annual rate of $1,612 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $970 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Santa Clarita depends on various factors, such as:

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

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Santa Clarita, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Santa Clarita.

How much is homeowners insurance in Santa Clarita per month

Santa Clarita homeowners pay an average of $134 a month, based on our rate analysis. It’s $18 more than the state average of $116 and $81 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Santa Clarita may vary depending on where you live, the value of your home, and the coverage you choose.

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

The average cost of homeowners insurance in Santa Clarita, CA is $1,194 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

Based on a rate analysis conducted by Insure.com, Santa Clarita residents pay an average of $1,612 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $418 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Santa Clarita by company

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

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Santa Clarita and compiled a list of the most affordable options.

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

Common natural disasters in California that may affect home insurance

Natural disasters are unpredictable events that can cause significant damage to homes and property. Understanding these risks is important to ensure that your home insurance policy provides adequate protection in the event of a disaster.

Drought, Earthquake, Heat wave, Landslide and Wildfire are some of the common natural disasters in California that may influence your home insurance rates.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages 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.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Santa Clarita 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.

Shivani Gite

Contributing Writer

 

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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.

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