Anaheim may be most famously known as the home of Disneyland, but life in this SoCal city offers much more than free Disney fireworks displays from your back porch. Catch a Ducks game (or a concert) at the Honda Center, or have a dog at Angel Stadium and spend the afternoon watching your favorite local MLB team. When you’re done at your show of choice, you can get a bite to eat at one of the nearly 50 restaurants, bars, and bakeries at the Anaheim Packing District.
But Anaheim isn’t always the happiest place on Earth. The city is prone to earthquakes, and residents in the area, which has largely been spared by California’s fire seasons, feared evacuation this year as wildfires grew even closer to home. Plus, tourism has dramatically increased the cost of living, leaving homeowners searching for savings wherever they can.
When it comes to finding affordable home insurance in Anaheim, Insurify is here to help. Whether you’re insuring your home for the first time or looking for better coverage at a lower cost, Insurify’s is the best way to compare home insurance companies, coverage options, and costs side by side. That way, you can find the best home insurance in Anaheim in just a few minutes.
Overpaying for Anaheim homeowners insurance?
How to Find Cheap Home Insurance in Anaheim
Living next door to the Most Magical Place on Earth comes at a cost, and a pretty high one. With median home values at nearly $600,000, it’s no wonder most Anaheim residents choose to rent their homes.
Buying a home in Anaheim is a huge financial investment; there’s no question about that. With investment, inevitably, comes risk, but there are steps homeowners can take to minimize risk and protect their investment.
The first step to protecting your property is homeowners insurance. Though not required by law, home insurance provides financial liability for your property and personal belongings, so you and your home are covered after natural disasters or theft. Homeowners insurance coverage can even help cover medical payments in case someone is hurt on your property. Different coverage levels are available for different property types, locations, and other factors. That way, you can cater your coverage options to your specific property insurance needs.
Keep reading for a full guide on Anaheim home insurance.
MORE ON CALIFORNIA HOME INSURANCE
For general information on California home insurance, check out our guide to the best home insurance in California. For more city-specific information, here are our guides to r San Francisco homeowners insurance, Los Angeles homeowners insurance, San Jose homeowners insurance, and Sacramento homeowners insurance.
Cheapest Home Insurance in Anaheim by Company
Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.
As of 2021, the average home insurance premium in Anaheim costs $1,240 annually, and the median home value is $670,386.
That’s a good chunk of change. But comparing home insurance rates with different insurance agencies can help you save. Check out the average cost of Anaheim home insurance with some of the best home insurance companies like Allstate, State Farm, and GEICO.
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Cheapest ZIP Codes in Anaheim for Home Insurance
You might be able to save on insurance services depending on where you live in Anaheim. Home insurance rates vary from neighborhood to neighborhood because pricing is determined by ZIP code–specific variables, such as the volume of claims filed nearby, crime rates, and property costs, and risk variables, such as natural disaster frequency.
This is why homeowners in downtown Anaheim pay less than homeowners in Anaheim Hills.
Rates in Anaheim are still relatively high compared to the national average, but your specific insurance quote all depends on which area you live in. Here are the most and least expensive ZIP codes in Anaheim for home insurance.
|Most Expensive Real Estate in Anaheim||Cheapest Real Estate in Anaheim|
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Home value data from zillow.com
Cut Anaheim Home Insurance Costs
Home Insurance Coverage Types in Anaheim
There are several types of home insurance. Specific terms of insurance policies may vary by city, but in general, the standard policy types are as follows:
Mobile Home Form
Anaheim Home Insurance and Earthquake Coverage
There have been nearly 500 earthquakes in the Anaheim area in the last year. While residents don’t even feel most of these quakes, the area’s propensity to earthquakes has led to serious home damage.
Unfortunately for Anaheim homeowners, home insurance doesn’t cover damage caused by earthquakes. The only way to protect your property from earthquake damage is by purchasing additional earthquake coverage. This can either come as an addition to your current home insurance policy or as a separate policy altogether.
Policies in earthquake-prone areas like Anaheim can get pretty costly, not to mention earthquake policy deductibles can range anywhere from 5 to 15 percent of the policy limit. Still, paying these costs upfront is sure to save you on expensive repairs in the long run.
Protecting Your Home During Fire Season
California’s fire season has grown in intensity, with over four million acres burned already this year. While Anaheim isn’t usually affected by the seasonal fires, this year brought blazes right to Orange County, and Santa Ana winds fueled the flames.
Home insurance policies include fire damage, but we don’t blame you if the Blue Ridge fire had you questioning your coverage. Ask your insurance agent about your fire insurance options. You may be able to increase your fire coverage, or you may have to purchase a separate fire insurance policy to get the protection you’re looking for.
Increasing your coverage limit or purchasing a rider (additional coverage) will increase your monthly insurance payments, but the protection is worth every penny.
Buying a home is stressful enough—don’t let insuring it get in the way of enjoying your new property.
Frequently Asked Questions - Anaheim Homeowners Insurance
Do I need flood insurance for my Anaheim home?
That depends. While most Southern California homeowners might not consider purchasing flood insurance, Anaheim’s proximity to the Santa Ana River could leave the city at risk for flooding. Mortgage lenders may also require you to purchase a flood insurance policy when you buy your home. If you’re looking for flood coverage, you can purchase a policy through the National Flood Insurance Program (NFIP) or a private insurance company.
Does my home insurance policy cover damage to my boat?
Home insurance policies cover watercraft as personal property. This means that if your boat is damaged on your property by a covered peril (like fire or vandalism), then your insurance policy will cover the replacement or repair cost. But the best way to protect any personal watercraft (PWC), especially while out on the water, is with a boat or PWC policy.
Can I bundle my home and motorcycle insurance?
Yes. Plus, if you’re looking for multiple insurance products like motorcycle insurance, car insurance, home insurance, or even life insurance, bundling your policies can help you save on your annual premiums. Most homeowners save upwards of 20 percent by bundling their home and auto insurance policies, so talk to your insurance agent to get a quote today.
Conclusion: How to Find the Cheapest Home Insurance in Anaheim
Living in Anaheim may not be as magical as the tourism pamphlets suggest, but protecting your home in the Heart of Orange County can be. Insurify’s comparison tools make finding affordable home insurance in Anaheim quick and easy. That way, you can make sure your home is protected and get back to exploring all the city’s attractions in no time.
Use Insurify to compare home insurance quotes for your property in Anaheim.
Compare Home Insurance Quotes in Anaheim, California in Two Minutes
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