How much is homeowners insurance in Santa Clarita,CA

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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:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Santa Clarita, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Santa Clarita.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Santa Clarita.

Key takeaways

In Santa Clarita, homeowners insurance costs $1,612 annually.
Allstate offers the most affordable homeowners insurance in Santa Clarita with an average annual premium of $940.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $418 higher.

How much is homeowners insurance in Santa Clarita per month

According to our rate analysis, 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 United States.

In Santa Clarita, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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 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. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

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 cheapest homeowners insurance company in Santa Clarita. It’s average annual rate for Santa Clarita homeowners is $940. Auto Club Enterprises (AAA) ranks second and Travelers makes it to the third spot with an average annual home insurance rate of $1,340.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Santa Clarita and prepared a list of the cheapest home insurance providers. You can find below the Santa Clarita home insurance companies and their average annual premium.

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

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.