Santa Ana Home Insurance

Learn how to find affordable homeowners insurance in Santa Ana.

Finding Homeowners Insurance in Santa Ana, California

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

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.

Average Santa Ana Home Insurance Premiums by Company

Kin Allstate Travelers
$1,640 $1,873 $1,707

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.

What Santa Ana Home Insurance Covers

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:

  • Replacement cost dwelling coverage: This covers what it would cost to rebuild your home from the ground up after a total loss at the going rate for today’s labor and building materials.
  • Other structures coverage: This covers unattached structures on your property, like your detached garage, shed, and fence.
  • Personal property coverage: This pays to repair or replace your personal belongings – clothing, furniture, electronics, and more.
  • Loss of use coverage: If a covered claim keeps you from staying at home, this can cover additional living expenses, like the cost of dining out, hotel stays, transportation, and more.
  • Personal liability coverage: If someone is hurt at your home or you accidentally injure someone, this can pay for your legal expenses if they sue.
  • Medical payments coverage: When a guest has a small injury at your home, this can cover their immediate medical expenses.

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.

Santa Ana’s Biggest Risks

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 Wildfire Coverage

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.

Santa Ana Flood Insurance

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.

Earthquake Coverage in Santa Ana

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!

Tips for Lower Santa Ana Home Insurance Costs

To help you save even more, we’ll automatically check to see if you’re eligible for these easy home insurance discounts:

  • Smart home safety and security devices.
  • Secure communities.
  • Electronic policies.
  • Ember resistant venting.
  • Annual brush removal contract.
  • LEED-certified homes.
  • New homebuyers.

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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