In Garden Grove, California, Travelers stands out as the overall best choice for home insurance. For those searching for a low-cost policy, Allstate emerges as the best cheap overall, while Chubb leads in customer service excellence. Selecting the right insurance depends on your specific needs, such as affordability or service quality.
Best and Cheapest Home Insurance in Garden Grove, CA (2024)
Updated: December 18, 2024
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Best HomeInsuranceGarden Grove, CTable of Contents
Best Overall - Travelers
Best for Service - Chubb
Best Cheap - Allstate
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Farmers
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Garden Grove.
Home insurance premiums in Garden Grove represent the latest available quotes as of September 2024.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Garden Grove, CA
Travelers is the best option in Garden Grove, California for home insurance with 100K dwelling coverage, scoring 83 out of 100.
The scores for home insurance companies in Garden Grove, California range from 50 to 86 using MoneyGeek's scoring system. Insurers may receive different scores based on credit history, age of your home, and more.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Allstate | 83 | $339 |
| Travelers | 83 | $436 |
| Farmers | 78 | $437 |
| State Farm | 67 | $723 |
| Chubb | 62 | $892 |
| Nationwide | 57 | $845 |
| Capital Insurance Group | 50 | $632 |
Overall Best Home Insurance in Garden Grove, CA
Travelers is the best option in Garden Grove, California, for $100K dwelling coverage. The two best overall home insurance companies in Garden Grove for $100K dwelling coverage are:
- Travelers: MoneyGeek score of 83 out of 100 ($436 per year)
- Allstate: MoneyGeek score of 83 out of 100 ($339 per year)
Travelers stands out as the best home insurance provider due to its balance of affordability and high customer satisfaction, contributing to its strong MoneyGeek score. In Garden Grove, various companies offer different cost and service experiences. While cost is crucial, factors like customer service and claims processes are also important.
Best OverallTravelers
MoneyGeek Score:
83/ of 100
Overview
Travelers scores high on affordability and satisfaction. You can save with discounts like bundle (which applies when you have multiple policies with Travelers) and newly purchased home.
Travelers provides useful coverages like scheduled personal property, which protects valuable items like jewelry. Personal property replacement cost covers losses without depreciation, ensuring you can replace items at current prices.
Best Home Insurance for Customer Service in Garden Grove, CA
Chubb is the best option for having the best customer service in home insurance in Garden Grove, California, for $100K dwelling coverage. Here are the top two providers for such coverage:
- Chubb: MoneyGeek score of 96 out of 100 ($892 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($845 per year)
Chubb stands out as the best due to its high customer satisfaction and solid coverage scores. These are the main factors that contribute to its high MoneyGeek score. Customers should choose Chubb for its excellent service that truly meets their home insurance needs.
Excellent service in home insurance includes quick response times and effective communication.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, thanks to its high #Scores. You can save with discounts like new home and home renovation. If your home is seven or 10 years old or less, you qualify for the new home discount.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law pays to update your home to current codes. Cash settlement offers a payout if you choose not to rebuild after a total loss.
Best Cheap Home Insurance in Garden Grove, CA
Allstate is the best cheap option in Garden Grove, California, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 91 out of 100 ($339 per year)
- Travelers: MoneyGeek score of 86 out of 100 ($436 per year)
Allstate stands out due to its high affordability score and good customer satisfaction. Cheap home insurance often means opting for lower coverage, which can be good for your wallet but not ideal if an accident happens. In cases where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
Best cheap insurance is not always the same as the cheapest option, as it balances cost with other factors.
Best CheapAllstate
MoneyGeek Score:
91/ of 100
Overview
Allstate is a top choice for cheap home insurance, scoring high in affordability and customer satisfaction. It offers cyber event/ID theft and back-up of sewer or drain as add-ons, providing comprehensive coverage. You can save with discounts like bundling, which offers up to 25% off when you combine home and auto policies, and responsible payment, rewarding good payment history.
Allstate's coverages include home business property, which protects business items at home; energy efficiency upgrade for replacing items with efficient ones; and yard and garden, which covers landscaping costs.
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Rates updated:
Dec 24, 2024
Homeowners insurance in Garden Grove is affected by many factors, with location being one of them. Comparing rates is the best way to save, yet it may take over an hour to compare three or more companies at 15 minutes each.
MoneyGeek's home insurance calculator simplifies this by focusing on key elements. Just enter your age, dwelling coverage, credit score, deductible, liability coverage, and a few other details to get an estimate.
Cheapest Home Insurance in Garden Grove, CA
Allstate is the best option in Garden Grove, California. Home insurance premiums can be heavily influenced by the dwelling coverage you choose.
- For 100K Dwelling Coverage: Allstate: $339 per year
- For 250K Dwelling Coverage: Allstate: $669 per year
- For 500K Dwelling Coverage: Allstate: $1,217 per year
Allstate stands out as the cheapest homeowners insurance in Garden Grove, California, based on its low cost and top MoneyGeek score. For 250K and 500K coverages, it remains the most affordable while scoring the highest. Buying the cheapest homeowners insurance in California can aid in managing finances by lowering annual expenses.
Data filtered by:Results filtered by:
Select
Coverages:$100K Dwelling
| Allstate | $339 |
| Travelers | $436 |
| Farmers | $437 |
| Capital Insurance Group | $632 |
| State Farm | $723 |
| Nationwide | $845 |
| Chubb | $892 |
Cheapest Home Insurance for High-Value Homes in Garden Grove, CA
Allstate is the best option in Garden Grove, California, for high-value home insurance. Homes that are expensive to replace need insurance with high dwelling coverage, and home insurance costs can rise with this coverage.
- Cheapest for $750K Dwelling Coverage: Allstate: $1,788 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $2,372 per year
Allstate stands out as the cheapest homeowners insurance in Garden Grove based on premium cost. According to MoneyGeek, although Allstate offers the lowest prices, it may not necessarily score the highest for overall satisfaction.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Allstate | $1,788 |
| Travelers | $2,366 |
| Capital Insurance Group | $2,649 |
| Farmers | $3,195 |
| State Farm | $3,525 |
| Nationwide | $4,304 |
| Chubb | $5,370 |
Cheapest Home Insurance for New Homes in Garden Grove, CA
Farmers offers the cheapest home insurance for new homes in Garden Grove, CA.
- Cheapest for $100K Dwelling Coverage: Farmers: $207 per year
- Cheapest for $250K Dwelling Coverage: Travelers: $412 per year
- Cheapest for $500K Dwelling Coverage: Travelers: $722 per year
Farmers stands out as the most affordable provider in Garden Grove for $100K coverage. However, this does not reflect the MoneyGeek score ranking, where it may not be the top performer.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Farmers | $207 |
| Travelers | $229 |
| Allstate | $254 |
| Nationwide | $346 |
| State Farm | $362 |
| Capital Insurance Group | $411 |
| Chubb | $713 |
How to Find the Best Home Insurance for You in Garden Grove, CA
The best cheap homeowners insurance providers balance quality and cost by offering great customer service and coverage with affordable premiums. In Garden Grove, the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, customer service and insurer stability.
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the unique aspects of your home in Garden Grove, California, including rebuilding costs and personal property value.
- 2
Compare Different Providers
Explore insurance companies available in Garden Grove, California. Focus on those with strong financial stability and positive customer feedback.
- 3
Compare Coverage and Costs
After identifying necessary coverages, compare home insurance quotes. In Garden Grove, California, premiums for $100K dwelling coverage range from $339 to $845 annually.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as those for bundling policies or installing safety features.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it is an amount you can manage if needed.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can lower its risk profile and potentially reduce insurance costs.
- 7
Maintain Good Credit
A good credit score can influence your insurance rates in Garden Grove, California. Pay bills timely and minimize outstanding debts.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies like auto insurance to achieve discounts and savings.
FAQ: Best Cheap Home Insurance in Garden Grove, CA
The best cheap home insurance provider for you depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Garden Grove, California.
How much is home insurance in Garden Grove, California, on average?
Home insurance in Garden Grove, California, costs an average of $486 annually.
What is the cheapest home insurance company in Garden Grove, California?
The cheapest home insurance company in Garden Grove, California, is Allstate with an annual premium of $339.
What is the best home insurance company in Garden Grove, California?
The best home insurance in California for Garden Grove residents is provided by Travelers, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.