Cheap Homeowners Insurance Santa Clarita

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cheap homeowners insurance santa claritaSanta Clarita is the third largest city in Los Angeles County with an estimated 2015 population of 182,371. The cost of living in Santa Clarita is 1% higher than the California average and 37% higher than the national average. The median home price is $376,700, which makes the cost of housing in Santa Clarita is 102% higher than the national average.  If you own a home here it is very important to understand how much insurance you need according to the special features of the area. This will help you get the best cheap homeowners insurance Santa Clarita has available.

The median household income in Santa Clarita is $83,178,  56% higher than the national average. The top employers in the city are Six Flags Magic Mountain and Princess Cruises. About 70% of the residents own their own home, and the vacancy rate is very low. In addition, Santa Clarita has experienced significant new home growth led by various builders such as K. Hovnanian Homes, Lennar and KB Home.

cheap homeowners insurance santa clarita 2Santa Clarita is near the San Fernando fault zone and was affected by the 1971 San Fernando
earthquake, the Sylmar quake. The city was also affected by the 1994 Northridge earthquake, and many commercial and residential buildings were devastated by its aftermath. The city has large areas of dry hills covered in brush and chaparral, so late summer and early autumn are often referred to as “fire season.” Wildfire activity occurs throughout the year during drought conditions. Most homeowners insurance policies cover fire, but not earthquake. Since the likelihood of more earthquakes occurring, purchasing earthquake protection is a must for Santa Clarita homeowners.

About Homeowners Insurance Santa Clarita

Since each homeowner is an individual, not every person will want the same coverage. However, there are certain aspects to homeowners insurance that are necessary. Most policies generally cover the following:cheap homeowners insurance santa clarita

  • Damage to your home, such as permanent structures being destroyed by fire.
  • Damage to personal property, including items in your home being damaged that are not
    permanent structures.
  • Liability Coverage, which can be useful in legal matters or if there is an accident at your residents.
  • Limited Coverage for theft, which covers things such as stolen jewelry or other expensive property.

California has many cheap homeowners insurance carriers to choose from and premium rates are largely based on who is providing the coverage. This means it pays to take the time to shop around for the best coverage on cheap homeowners insurance Santa Clarita has to offer.