Learn how to find affordable homeowners insurance in Santa Ana.
Nestled in the heart of Orange County, Santa Ana is a great place to live. Home to the Santa Ana Zoo, the Mission Revival-style Bowers Museum, and the Discovery Cube children’s museum, it’s a family-friendly city full of entertainment and wonder. Not to mention, it’s much more affordable than its surrounding Orange County communities.
But even Santa Ana residents struggle to find affordable California home insurance that covers wildfires and earthquakes.
Santa Ana home insurance costs $1,640 a year on average with Kin. That’s 14 percent cheaper than Allstate at $1,873 and 4 percent cheaper than Travelers at $1,707.
You can see how we stack up below.
Of course, average costs are just an illustration. The surefire way to know what you’ll pay – which may be higher or lower than the average – is to get a quote. Your quote reflects your home’s age, construction material, size, and safety features.
Every Kin policy includes core coverages that protect your home and everything in it. You can see a summary of your coverage on your declarations page – the first page in your policy packet. Here’s a rundown:
You can also add on endorsements to customize your policy. For example, if you have a cadre of rescue Pomeranians, you might want to add on animal liability insurance. This can help cover Pom-related mischief, like when your timid pup bites visitors.
Homeowners insurance covers a lot of events, like damage from fire, windstorms, theft, vandalism, and more. But a standard policy doesn’t automatically cover certain catastrophic events, like earthquakes and flooding.
Don’t lose hope, though! You can add on this coverage easily. Here’s what you need to know.
Santa Ana’s winds make fast-moving wildfires from the surrounding open space a real risk. The ongoing drought has created plenty of dry brush to act as fuel for the smallest spark. Good thing every Kin policy automatically includes wildfire insurance to cover fire, smoke, and explosion damage to your home, belongings, and other structures.
There may be a drought, but significant portions of the city still sit in flood zones. The city has poor drainage and the ground can’t absorb a heavy downpour fast enough to prevent runoff. Residents without flood coverage would have to pay for these damages on their own.
But we can easily add flood insurance to your policy. This is the only coverage that can pay for damage caused by rising waters and surges.
The Long Beach Earthquake of 1933 was miles from Santa Ana, but it still caused significant damage to Santa Ana buildings. Earthquake risk is real for anyone living in Southern California; it can happen at any time, even miles away, and still damage your home. Homeowners insurance doesn’t cover earthquake damage, but we can add on earthquake insurance to keep you protected. Just ask!
To help you save even more, we’ll automatically check to see if you’re eligible for these easy home insurance discounts:
Money-savvy homeowners can also increase their deductible to lower their premium. Plus, by having a larger deductible, you are less likely to make a small claim that stays on your record for years. Choose a deductible that fits your budget but isn’t a burden when you need to file a claim.
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