Best cheap homeowners insurance in Anaheim

Anaheim’s average home value is $575 600. A home insurance policy could protect your biggest investment, if you have a house in Anaheim.

For $250,000 of dwelling coverage, the average cost for home insurance in Anaheim was $1,033. This is close to the $1,014 California average per year, but a lot lower than the $1,312 national average. You should consider the average premiums, coverages, and customer satisfaction scores of every insurance company when looking for home insurance. This information can help you make better home insurance decisions.

Anaheim’s best home insurance company

Anaheim residents have many options when it comes to home and auto insurance. However, it can be difficult to find the best and most affordable coverage. Bankrate’s editorial staff analyzed the average premiums for various insurance providers using current premium information from Quadrant Information Services. We reviewed the customer satisfaction scores of each company from J.D. to narrow down the top five companies. We also looked at the power, coverages available and discounts options. Our research has shown that the following are the top Anaheim homeowners insurance companies:


Mercury, a California-based company, is well-known for its affordable car insurance. However, the company also offers home insurance at a lower average premium. Mercury home insurance policies include standard coverages for dwelling, personal property and liability, as well as additional living expenses. You may also be eligible to add extended substitute cost if you have to rebuild your house.


J.D. consistently gives USAA high marks. Although Power is not eligible to be ranked, it consistently receives high scores from J.D. USAA offers coverage for earthquakes and floods in addition to the standard home insurance. This could be an issue in California. Although it doesn’t offer as many discounts than other providers, the average rate is the second-lowest on our list.


If you prefer to deal with your coverage directly, Progressive currently has nine agent in Anaheim. Progressive’s HomeQuote Explorer allows you to compare home insurance rates from multiple carriers and compare coverages. Progressive may be the right company for you if you’re looking for multiple discounts. Progressive may offer discounts for getting a quote prior to your existing policy expires. You can also bundle your home insurance with your auto policy and have home safety features installed.

State Farm

State Farm received above-industry-average customer satisfaction scores from J.D. If you value customer service, Power may be an appealing feature. High customer satisfaction may be due to a combination of speed and ease in filing claims, a large number of local agents, and a fully-featured website and mobile app. State Farm’s discount might make it possible for you to purchase a quality, affordable home insurance policy.


For new homeowners, Travelers home insurance can be a great option. Travelers has a wealth of information on insurance, including short and helpful videos. The Travelers website offers a wide range of optional home-insurance coverages. Additional coverages include water backup, green home coverage and rebuilding coverage.

Anaheim home insurance options

If you do not have a mortgage, home insurance is usually not necessary. Although you may have home insurance, it does not guarantee that you will be covered for all eventualities. Home insurance policies often do not cover floods, earthquakes or mold damage. Anaheim homeowners might want to look into the following optional coverages:

  • Flood insurance: About 600 Anaheim homes are located in floodplains. Flood insurance is essential to protect your financial interests in the event that your home is destroyed or destroyed by flooding. Flood insurance can be purchased separately.
  • Earthquake insurance is not usually included in standard homeowners policies. Although you might be able to add earthquake coverage to your policy as an endorsement, you may need to buy a separate policy. The California Earthquake Authority provides information and coverage regarding earthquake insurance.
  • Green rebuilding coverage: There are some carriers that offer optional coverage to allow you to use green materials to rebuild or replace your property after a loss.

Because every homeowner is unique, a licensed agent can help you choose the right coverage for you.

Anaheim home insurance discounts

Anaheim home insurance costs on average $1,033 each year. This is a lower cost than average home insurance in the United States, but you can still save money on your premiums. Anaheim residents may be eligible for some discounts:

  • Bundling discounts: If you purchase homeowners insurance and auto insurance from the same company, your premiums could be reduced on both.
  • Discounts on payments: You may be eligible for a discount by setting up automatic monthly payment or paying your entire home policy in full. These discounts are not available if you have home insurance that is paid through an escrow account in your mortgage.
  • No claims discounts: Your home insurance is meant to protect your financial future, but if you file a claim on your policy, it could increase your premiums. You might be eligible for a discount if you don’t file any claims.
  • Safety: You could get a discount if your home is equipped with safety devices like deadbolt locks, carbon monoxide detectors or deadbolt locks.

Different discounts are offered by different companies. There are many discounts that you can find on the company website. Or you could contact a representative to learn if there are additional savings.

Questions frequently asked

Which Anaheim home insurance company is best?

Your needs will determine the best home insurer. While the reviewed companies are some of the most reputable in the region, every homeowner will have different insurance requirements. You can find the right coverage for you by determining what you need from insurance and getting quotes from multiple companies.

Anaheim, how much home insurance do you need?

Although home insurance is not required by law in Anaheim, your mortgage lender might require it. A local agent can help you determine the amount of home insurance you will need to protect your home. While your home’s current value will give you an estimate of the amount of insurance you need to cover it, your actual building and replacement costs might be greater or less than its market value. It is important to consider the amount of personal property and liability coverage that you require.