Orange County Home Insurance Rates
The cost of purchasing a home in Southern California is quite pricey due to the high demand to live here. However, the price for home insurance is comparable to the rest of the country and many times even lower. The reason for this is that Southern California doesn’t typically experience the devastating perils that affect other areas of the country such as hurricanes, tornadoes, freezing, and windstorms.
We normally insure homes in the Orange County area from $150-$200 per square foot. More customized homes will be insured from $200-$300 per square foot. It’s important to remember that home insurance replacement cost is for the dwelling and not the land. So it is not uncommon, especially in the Orange County area, for the replacement amount or dwelling coverage on the home insurance policy to be less than the purchase price. Thus, Orange County home insurance rates are similarly priced to the rest of the country.
A standard home (1,500-2,400 square feet) in Southern California (Los Angeles, Orange County, and San Diego) will typically run $1,000-$1,500/yr to insure on average. This price is lower than many other parts of the country like Texas and Florida that get battered by hurricanes a few times per decade. If you factor in our 25% home/auto insurance discount, the Farmers affinity discounts, and other discounts, we can often insure your home for under $1,000/yr in premiums.
If you have any questions about home or condo insurance prices in the Southern California or Orange County area, please call me at (949) 436-0740.