How Can I Make My Orange County, CA Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Orange County, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Orange County, CA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $145,000 $130,000 $150,000-$175,000
2 Bedroom $363,500 $300,000 $350,000-$400,000
3 Bedroom $303,500 $250,000 $200,000-$250,000
4 Bedroom $736,000 $660,000 $700,000-$800,000
5 Bedroom $871,500 $820,000 More than 10,000,000

Estimate your Savings with Home Insurance Discounts in Orange County, CA | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$191 $1,176
Superior Protection Discount -$123 $1,245
Fire & Security Discount -$150 $1,217
Hail Resistant Roof Discount -$41 $1,327
Newly Constructed Home Discount -$342 $1,026

Choose the Right Deductible for your Orange County, CA Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Orange County $1,000 $1,351 $2,351 $982 $1,982 $369
Orange County, CA $2,000 $1,351 $3,351 $982 $2,982 $369
Tustin, CA $400 $1,367 $1,767 $993 $1,393 $374
Newport Beach, CA $2,500 $1,216 $3,716 $884 $3,384 $332
Temescal Valley, CA $100 $894 $994 $650 $750 $244
Lake Mathews, CA $2,500 $861 $3,361 $626 $3,126 $235
Willowbrook, CA $100 $686 $786 $499 $599 $188
Upper San Gabriel Valley, CA $2,500 $955 $3,455 $694 $3,194 $261
Florence-Graham, CA $100 $669 $769 $486 $586 $183
Winchester, CA $1,000 $535 $1,535 $388 $1,388 $146
La Crescenta-Montrose, CA $500 $1,094 $1,594 $795 $1,295 $299
Oceanside-Escondido, CA $2,000 $1,415 $3,415 $1,028 $3,028 $387

Compare Rates for Orange County, CA Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
California $443,400 $1,291 $960 $1,760 $800
Orange County, CA $620,500 $1,368 $1,010 $1,860 $850
Orange County, CA $620,500 $1,368 $1,010 $1,860 $850
Tustin, CA $585,700 $1,383 $1,020 $1,880 $860
Newport Beach, CA $1,695,700 $1,231 $910 $1,670 $760
Temescal Valley, CA $396,200 $905 $670 $1,230 $560
Lake Mathews, CA $385,700 $872 $650 $1,190 $540
Willowbrook, CA $268,100 $695 $510 $940 $430
Upper San Gabriel Valley, CA $580,000 $967 $720 $1,310 $590
Florence-Graham, CA $301,000 $677 $500 $920 $420
Winchester, CA $121,200 $541 $400 $740 $340
La Crescenta-Montrose, CA $731,300 $1,107 $820 $1,510 $690
Oceanside-Escondido, CA $468,300 $1,432 $1,060 $1,950 $890

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