Get multiple home insurance quotes in 92704. Our licensed 92704, CA agents are ready to serve you.

Home Insurance Quotes in 92704

Are you shopping for a cheaper homeowners insurance rate in 92704? Our rates are very competitive for homeowners living in Santa Ana, CA. Many homeowners located in the 92704 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our online quoting process is free to use and our California licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 92704. To get free 92704 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 92704 zip code should appear in the zip code field ready to go. Shopping Santa Ana, CA Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 92704 to review the best rate coverages.

Your 92704 Home Insurance Costs Is Rated: High!

For the great city of Santa Ana, the average home insurance premium paid annually is around $990 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our California specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Santa Ana and need insurance on your home in the 92704 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

Get 92704 Homeowners Insurance Rates Now!

92704 Home Insurance Average Premiums

Local 92704 homeowners insurance quotes comparison

$740 /yr.

Shows Zip Code: 92704 lowest rates with discounts applied on average.

For the 92704, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$740 /yr.
Average Coverage:$990 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1290 /yr.

What is the average home insurance cost for a home in 92704?

  • • The average homeowners insurance premium paid annually for a home in 92704 is around $990 per year.

What does it cost on average per month for home insurance in 92704?

  • • Homeowners in 92704 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 92704?

  • • Autoowners in 92704 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Santa Ana area, check out other zip codes nearby 92704.
Review average rates in another zip code:
92706 homeowners insurance rates
92705 homeowners insurance rates
92707 homeowners insurance rates
92703 homeowners insurance rates
92704 homeowners insurance rates
92701 homeowners insurance rates

Home Replacement Cost Coverage in 92704

Average Building Cost Per Square Foot in 92704: $324

Location: Santa Ana, California (Orange County)

Average Square Footage in 92704: 1,651 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 92704 before you start any project. Santa Ana homeowners pay on average around $324 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 92704 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 92704 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,651 sq. ft. and the average cost to rebuild the home in this area is around $324 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Santa Ana area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$3241,651$534,800
Additional Upgrades & Added Features$4051,651$668,500
Major Home Updates or Advancements$4861,651$802,200

It's important to understand that when you estimate your replacement cost of your home in the 92704 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 92704

Best Home & Auto Insurance Agencies in 92704

Aidee Lopez State Farm Insurance

Address: 3750 W McFadden Ave, Ste E Santa Ana, CA 92704
Phone:
Website: http://www.online2.statefarm.com/b2c/sf/agent/75/1229
Info:

Patrick Wong-Farmers Insurance

Address: 3621 South Harbor Boulevard #135 Santa Ana, CA 92704
Phone:
Website:
Info:

Farmers Insurance Group

Address: 2414 S Fairview St, #203 Santa Ana, CA 92704
Phone:
Website: http://www.farmersagent.com/omartinez
Info:

Jimenez, Gabriela - Adriana's Insurance Svc Incorporated

Address: 2302 S Bristol St, #A Santa Ana, CA 92704
Phone:
Website: http://www.adrianasinsurance.com/
Info:

Rodolfo Guzman-Farmers Insurance

Address: 1740 W Edinger Ave Santa Ana, CA 92704
Phone:
Website: http://www.farmersagent.com/rguzman1/
Info:

Housing Demographics for 92704

Population Review for 92704 Zip Code

For the city of Santa Ana, the population within 92704 has increased to over 82,755 residents in population size. The current population total is 82,841. We have broken down the population based on race below. In 92704, there are over 41593 in male population and 41248 females.

PopulationValues
Total Population82,841
White Population13906
Black Population854
Hispanic Population58674
Asian Population15600
Hawaiian Population246
Indian Population3192
Other Population33816
Male Population41593
Female Population41248
Population Estimate82755

Household Data for 92704

The average number of homes in 92704 is around 20,260, there are an average of 4.07 per household. The average house value according to local real estate values is around $534,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode20,260
Persons Per Household4.07
Average House Value$534,800
Income Per Household$80902
Median Age34.7
Median Age Male33.9
Median Age Female35.5
92704 DetailsValues
StateCA
State Full NameCalifornia
City TypeP
City Alias Abbreviation
Area Code714/657
CitySanta Ana
City Alias NameSANTA ANA
CountyOrange
County FIPS059
State FIPS06
Time Zone8
Day Light SavingY
MSA4472
PMSA5945
CSA348
CBSA31080
CBSA_DIV11244
CBSA_TypeMetro
CBSA_NameLos Angeles-Long Beach-Anaheim, CA
MSA_NameLos Angeles-Riverside-Orange County, CA
PMSA_NameOrange County, CA PMSA
RegionWest
DivisionPacific
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1654
Number Of Employees29771
Business First Quarter Payroll350056
Business Annual Payroll1542168
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population3010232
Congressional District45|46|47
Congressional LandArea330.39|71.72|216.21
Delivery Residential20333
Delivery Business2273
Delivery Total24678
Preferred Last Line KeyZ22856
Classification Code
Multi-County
CSA NameLos Angeles-Long Beach, CA
CBSA_DIV_NameAnaheim-Santa Ana-Irvine, CA
City State KeyZ22856
Land Area7.407000
Water Area0.024000
City Alias Code
City Mixed CaseSanta Ana
City Alias Mixed CaseSanta Ana
Box Count140
SFDU12220
MFDU3113
State ANSI06
County ANSI059
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number056936
Unique ZIP Name
SSA State County Code05400
Medicare CBSA Code11244
Medicare CBSA NameAnaheim-Santa Ana-Irvine, CA
Medicare CBSA TypeMetro
Market Rating Area ID18
County Mixed CaseOrange

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]