San Juan Capistrano, CA Home Insurance Quotes!

Within the Orange County region, San Juan Capistrano, CA has a total population size of 34,593. Homeowners looking for home insurance quotes in this area have found very affordable rates with GetHomeInsuranceQuotes.com saving some in upwards of 55% with rates as low as $597 per year. There are over 34,356 homes in San Juan Capistrano that are currently owned and occupied. Our services allow us to shop and compare up to 12 rates and coverage options. Our online home insurance quoting system allows us to easily do the shopping for you at no cost, that's right, it's free. You can easily get multiple quotes today by entering your zip code and compare the most competitive California rates available or give us a call now at 1-855-976-2656.

San Juan Capistrano, CA Housing & City Data

Source	Value
Location:	San Juan Capistrano, CA (ORANGE County)
Population:	34,593
Occupied Residents:	34,356
Average Real Estate Value Per Zip Code:	$731,600

Average San Juan Capistrano Home Insurance Rate Quotes

A common question that many San Juan Capistrano homeowners are asking, is "What's the average annual rate for homeowners in San Juan Capistrano, CA?" In other words, what is my neighbor paying for insurance and how can I save more money on my home insurance cost every month. The answer is easy, for homeowners living in San Juan Capistrano, we see an overall average of $847 per year. Now based on this "average", your rates could be 40% lower if we compare with multiple carriers and apply all the discounts and package options available to you. We have seen rates as low as $597 per year. At GetHomeInsuranceQuotes.com, we save you time and money by shopping all these rates for you. When comparing rates, it's also important to know that the average premium paid by homeowners within the United States is $1,311 paid annually.

In order to gain an understanding of how your rate will be compiled, we have listed a few helpful resources to help you understand replacement cost value, home insurance credits and home features that help discount your premium.

Top 5 Helpful Saving Resources

This home insurance calculator will calculate your dwelling coverage for your home in San Juan Capistrano, CA so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in California
Installing smoke detectors, a security system and getting the same home and auto policy with the same carrier is a good start but to really kick-start your home insurance savings you have to dig a bit deeper. Here are the top 3 home insurance credits available to homeowners.
FAQ: What is a San Juan Capistrano, CA Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in San Juan Capistrano, CA?

Compare Homeowners Insurance Rates in San Juan Capistrano, CA!

Get up to 12 competitive San Juan Capistrano, CA homeowners insurance rates all in one place!

Servicing San Juan Capistrano, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our San Juan Capistrano agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our San Juan Capistrano, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the San Juan Capistrano, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby San Juan Capistrano

Are you looking for homeowners insurance in a city near San Juan Capistrano? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in San Juan Capistrano, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in San Juan Capistrano.

92675,

San Juan Capistrano, CA Home Insurance Average Premiums

Local San Juan Capistrano, CA home insurance quotes comparison

$597 /yr.

Shows San Juan Capistrano's lowest average rates with discounts applied.

For the city of San Juan Capistrano, 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)	$597 /yr.
Average Coverage:	$847 /yr.
2600 sq. ft. or higher (all discounts applied)	$1147 /yr.

What is the average home insurance cost for a home in San Juan Capistrano, CA?

• The average homeowners insurance premium paid annually for a home in San Juan Capistrano is around $847 per year.

What does it cost on average per month for home insurance in San Juan Capistrano, CA?

• Homeowners in San Juan Capistrano pay an average cost per month around $71.00 for insurance coverage.

San Juan Capistrano, CA Coastal Wind, Hail & Flood Information

San Juan Capistrano is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of San Juan Capistrano is know for it's beautiful beaches and waterways. Because Orange County (FIPS: 6059) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in San Juan Capistrano, CA.

San Juan Capistrano, CA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$1,109,411	$1,013,712
February	$1,100,753	$1,043,184
March	$1,099,591	$1,076,343
April	$1,104,760	$1,106,286

Homeowners insurance will help cover the cost to repair or replace your San Juan Capistrano home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in San Juan Capistrano
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive San Juan Capistrano, CA homeowners insurance rates all in one place!

Saving Money Tips on San Juan Capistrano Home Insurance

A great way to save money on San Juan Capistrano homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the San Juan Capistrano area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
654 ft.	This is the average home elevation in San Juan Capistrano, CA	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as San Juan Capistrano, California. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

654 ft.

This is the average home elevation in San Juan Capistrano, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as San Juan Capistrano, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in San Juan Capistrano, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Orange County.

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, […]

San Juan Capistrano, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in San Juan Capistrano so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in San Juan Capistrano, CA?

- The average square footage in San Juan Capistrano is around 1,396 Sq. Ft. which would cost you around $731,600 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $731,600

Location: San Juan Capistrano, California (Orange County)

Average Building Cost Per Square Foot in San Juan Capistrano: $524 (low end)

Average Square Footage in San Juan Capistrano: 1,396 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$524	$731,600
Some Additional Upgrades	$655	$914,500
Major Home Updates or Advancements	$786	$1,097,400

Calculate Your San Juan Capistrano, CA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($524) in San Juan Capistrano, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,637,500 (Media price to build of $655 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.