Home Insurance in Santa Clarita

Learn how to find affordable homeowners insurance in Santa Clarita.

Affordable Homeowners Insurance in Santa Clarita, California

Santa Clarita, a city tucked north of Los Angeles, is a hidden gem for entertainment. From the Six Flags Magic Mountain theme park to the prehistoric stone formations in Vasquez Rocks Natural Area Park, the city has something for every type of adventurer.

Located near the Angeles National Forest, Santa Clarita is a favorite for outdoor recreation but a target for dangerous wildfires. Even with a lower cost of living, finding affordable home insurance in California can be challenging.

Santa Clarita Home Insurance Costs

Santa Clarita home insurance costs $1,388 a year on average with Kin, a pinch lower than Travelers’ average of $1,395 a year. We’re pretty competitive with Allstate, too.

Of course, price shouldn’t be the only consideration when shopping for home insurance. It doesn’t make sense to pay a little less for a policy that will leave you underinsured. It happens more often than you might think. Millions of homes are underinsured for natural disasters.

Average Santa Clarita Home Insurance Premiums by Company

Kin Allstate Travelers
$1,388 $1,333 $1,395

Keep in mind that average premiums are just an illustration of what your costs might look like. The only way to know for sure what your home insurance will cost is to get a quote. Your quote reflects your home’s unique characteristics, like its exact location, age, size, and construction. Your claims history also affects premium rates.

What Santa Clarita Home Insurance Covers

One of the ways you can make sure your policy stacks up? Check for these coverages. Every Kin policy offers:

  • Replacement cost dwelling coverage: Pays to fix or rebuild your home if it’s damaged by a covered event (think: fires, windstorms, theft, and more).
  • Other structures coverage: Rebuilds detached structures on your property, like gazebos, garages, and sheds.
  • Personal property coverage: Covers the things that make your house a home, like your appliances, furniture, decor, clothing, electronics, and more.
  • Loss of use coverage: Provides funds for temporary lodging, transportation, food, and other expenses when a covered claim keeps you from living in your home.
  • Personal liability coverage: Covers legal expenses when you’re sued over someone’s property damage or bodily injury.
  • Medical payments coverage: Covers small medical bills when guests are injured at your home.

You can even add on endorsements to customize your policy. For example, you can add on mold coverage if water damage is common where you live.

Santa Clarita’s Major Risks

Our homeowners insurance policies cover your home for all events except those listed as exclusions. That means you have coverage for the most common losses, like fire, theft, windstorms, vandalism, and more. But some natural disasters, like floods and earthquakes, are excluded.

Here’s how you can make sure your home is covered no matter what comes your way.

Santa Clarita Wildfire Coverage

Nearly every wildfire season has Santa Clarita residents under evacuation orders at some point. In August 2020, the Elsmere Fire forced evacuations and closed the 14 Freeway. This part of the high desert is known for wildfires, so the right insurance is a must. Good thing every Kin policy includes wildfire insurance.

Santa Clarita Flood Insurance

Santa Clarita is filled with hills and valleys. While the area is still experiencing drought conditions, when it does rain, the dry ground doesn’t absorb water fast enough and can cause flash floods. In 2005, the Sand Canyon Mobile Home Park was destroyed after a major flash flood.

Though flood insurance doesn’t come standard with home insurance, you can add it on. This is the only coverage that pays for damage caused by rising waters and storm surges.

Earthquake Coverage in Santa Clarita

The last big earthquake Santa Clarita experienced was the Northridge Earthquake in 1994, but the area frequently has tiny tremors under a 3.0 magnitude. These are small reminders that a big earthquake could happen at any time.

Only earthquake insurance covers earthquake damage to your home, other structures, and belongings. It’s easy to add on to your home insurance – just ask us for a quote!

How to Lower Santa Clarita Home Insurance Costs

If you’ve already invested in making your Santa Clarita home safer and more fire resilient, good news! We offer easy home insurance discounts to reward you for managing your risk:

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

You can also choose a higher deductible to lower your yearly rate. The higher your deductible, the lower your premium. Just make sure you can comfortably spare the deductible amount on short notice.

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