Updated: November 27, 2024
Advertising & Editorial Disclosure
In Santa Clarita, California, Farmers is the best and cheapest home insurance company overall. However, if customer service is your priority, Chubb is the top choice.
These companies cater to different needs, so choose a provider based on what matters to you, like price, coverage or service quality.
Best HomeInsuranceSanta ClaritaTable of Contents
Why Trust MoneyGeek? We used California's Department of Insurance and Quadrant Information Services data to find the best homeowners insurance in Santa Clarita.
Home insurance premiums in Santa Clarita represent the most competitive rates as of September 2024.
Farmers is the best home insurance option for $100K dwelling coverage in Santa Clarita, CA, with a MoneyGeek score of 85 out of 100.
Home insurance companies in Santa Clarita have scores ranging from 49 to 85, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Farmers | 85 | $321 |
| Travelers | 79 | $536 |
| Allstate | 79 | $387 |
| Chubb | 72 | $832 |
| Nationwide | 59 | $931 |
| State Farm | 55 | $1,031 |
| Capital Insurance Group | 49 | $718 |
Farmers is the best home insurance company in Santa Clarita, CA, for $100K dwelling coverage due to its affordability and high customer satisfaction. The overall top providers are:
While cost is important, consider other factors, such as customer service and claims handling, which are crucial when making claims.
Farmers stands out for its high affordability and customer satisfaction scores. Discounts like nonsmoker and affinity programs lower premiums.
Farmers offers comprehensive home insurance with add-ons like matching siding coverage and a waiver of deductibles for glass damage. Key coverages include backup of sewer or drain, which covers water damage repairs, guaranteed replacement cost for exceeding policy limits, and cyber event/ID theft, which reimburses identity restoration expenses.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Santa Clarita, CA. The top providers in this category are:
Chubb stands out for its high customer satisfaction and comprehensive, tailored coverage options, which led to its top MoneyGeek score. Excellent service in home insurance includes quick and helpful responses, ensuring your needs are easily met.
Chubb scores highly on MoneyGeek for its strong customer satisfaction and coverages. It provides comprehensive home insurance, including guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated codes. Cash settlement offers a payout option if you choose not to rebuild after a total loss.
You can save with the new home discount if your property is less than 10 years old.
Farmers is the best cheap home insurance company in Santa Clarita, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
Opting for cheap home insurance often means reduced coverage, which can save money but might not suffice in case of mishaps. If saving on premiums is your goal, explore the cheapest homeowner insurance companies. While the best cheap provider might differ from the most affordable, it balances cost with other factors.
Farmers earns a high MoneyGeek score for affordability and customer satisfaction. Nonsmoker and affinity discounts reduce premiums, with nonsmokers benefiting after two smoke-free years.
Farmers offers comprehensive coverage, including scheduled personal property and backup of sewer or drain. Key options include guaranteed replacement cost for extra repair expenses, cyber event/ID theft for identity restoration, and matching siding coverage to ensure repairs match your home's look.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 21, 2024
Many factors affect homeowners insurance in Santa Clarita, including location. Comparing rates can save money but takes about 15 minutes per company. Comparing three or more means spending over an hour. MoneyGeek's home insurance calculator saves time by focusing on important factors. Enter age, dwelling coverage, credit score, deductible, liability coverage and more for a rate estimate.
Farmers offers the lowest home insurance rates in Santa Clarita, CA. Here are the cheapest overall providers:
The key factor influencing home insurance premiums is the dwelling coverage you select. Farmers is the most affordable option for $100K coverage. However, Allstate offers the most cost-effective options for $250K and $500K coverages. While Farmers has a higher MoneyGeek score overall, Allstate provides better value for higher coverage amounts.
Purchasing the cheapest homeowners insurance in California can help you manage your finances effectively.
| Farmers | $321 |
| Allstate | $387 |
| Travelers | $536 |
| Capital Insurance Group | $718 |
| Chubb | $832 |
| Nationwide | $931 |
| State Farm | $1,031 |
Allstate is the best option for high-value home insurance in Santa Clarita, CA. Homes that are expensive to replace need higher coverage, which raises home insurance costs.
While Allstate is the cheapest, it might not necessarily be the top-rated in other aspects.
| Allstate | $2,149 |
| Capital Insurance Group | $3,008 |
| Travelers | $3,131 |
| Farmers | $3,500 |
| Nationwide | $4,770 |
| Chubb | $4,968 |
| State Farm | $5,003 |
Farmers offers the cheapest insurance n Santa Clarita, CA, for new homes needing $100K in dwelling coverage.
While Farmers is the most affordable, it may not rank highest on other criteria compared to competitors. Ensure that you're adequately covered in any unforeseen events affecting your home.
| Farmers | $153 |
| Travelers | $272 |
| Allstate | $278 |
| Nationwide | $377 |
| Capital Insurance Group | $467 |
| State Farm | $516 |
| Chubb | $666 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, assess your home's rebuilding costs, personal property value and liability requirements.
Research insurance companies operating in Santa Clarita, CA. Look for those with solid financial health, positive customer reviews and a history of reliable service.
After identifying your coverage needs, compare home insurance quotes. In Santa Clarita, CA, average annual premiums for $100K dwelling coverage range from $321 to $1,031.
Inquire with each provider about discounts, such as those for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure the amount is manageable for you in case of a claim.
Enhancing home security with alarm systems and strong locks can lower a home's risk profile and may reduce insurance costs.
Keeping a good credit score can impact your insurance rates. Pay your bills on time and manage any outstanding debts.
Consider bundling your homeowners insurance with other policies, such as auto insurance, for significant savings and discounts.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Santa Clarita, CA.
The average annual home insurance cost in Santa Clarita, California, is $532.
The cheapest home insurance company in Santa Clarita, California, is Farmers, with an average annual premium of $321.
Farmers provides the best home insurance in California for Santa Clarita residents, with a MoneyGeek score of 85 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.
