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California Homeowners Insurance Quotes (2023)
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Written by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Updated February 25, 2022
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Average Cost of Home Insurance in California
According to 2021 rates, the average cost of homeowners insurance in California is $1160 per year and $97 per month. California homeowners insurance rates are $238 per year less then the national average and about 17% less annually. When compared to the other US states that makes the cost of homeowners insurance in California the 29th most expensive in the country, based on 2021 data.
For shoppers, the best way to find a homeowners insurance policy in California is to evaluate all of the quotes from individual insurance providers and then decide on the policy that fits your requirements and budget level. Fortunately finding the right homeowners insurance coverage is easy with a tool like Insurify.
Insurify provides easy and fast home insurance quote comparisons for all kinds of homeowners nationwide. Insurify has helped thousands of customers receive accurate homeowners quotes for your property in California in minutes.
| California Average Homeowners Insurance Rates The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. | |
|---|---|
| Average Cost Per Month | $97 |
| Average Annual Premium | $1160 |
| State Rank (Most Expensive) | 29th |
Cheapest Home Insurance Companies in California
For homeowners in California, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in California. The following are the best insurance rates from carriers that offer homeowners insurance in California.
| Cheapest Companies | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Allstate | $700 |
| Amica | $1,002 |
| Farmers | $1,214 |
| Nationwide | $989 |
| Travelers | $946 |
How to Get Affordable Home Insurance in California
Purchasing a home will likely be one of the largest financial investments of your lifetime. With that investment, inevitably, comes risk. However, there are steps homeowners can take to minimize risk and protect their investment, including finding the right home insurance policy.
The first step to protecting your property is homeowners insurance. Though not required by law, home insurance provides financial liability for your property and belongings from natural disasters or theft. Different coverage levels are available for different property types, locations, and other factors.
Keep reading for a full guide on California home insurance.
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California Homeowners Insurance Rates by Company
The price of homeowners insurance varies greatly from city to city. The following quotes are general estimates of annual home insurance premiums throughout California, insurance companies offer different coverage levels and some even offer bundling options for your home and auto insurance.
As of 2021, the average home insurance premium in California costs $1,240 annually, and the median home value is $578,267.
For the most accurate quote estimate, use Insurify to compare all of your choices in one place.
Average Annual Home Insurance Premium in California by Company
Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage
Allstate$700
Travelers$946
USAA$966
Nationwide$989
Amica$1,002
Farmers$1,214
Home Insurance Rates in California Cities
Like property costs, home insurance varies in price from city to city. Pricing is determined on ZIP code-specific variables such as the volume of claims filed nearby, crime rates, property costs, and risk variables such as natural disaster frequency. Even your specific neighborhood may determine if you pay more or less on our annual premiums.
Buying and insuring a home comes with loads of unexpected costs and new living expenses. How can you be expected to pay all of these costs—vital as they are—and still provide for you and your family?
Homeowners insurance rates aren’t designed with savings in mind. That’s where Insurify comes in.
Rates in California can be relatively high or low compared to the national average—it all depends on which town you live in, though, overall, California has some of the most expensive real estate in the country. Here are the most and least expensive ZIP codes in California to buy and insure a home. Average rates within these ZIP codes tend to increase relative to property cost. In wildfire- or earthquake-prone areas, rates are often higher.
| City | Average Annual Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Oakland | $1,167 |
| Bakersfield | $1,354 |
| Los Angeles | $1,420 |
| Orange/Irvine | $1,269 |
| Santa Ana | $1,163 |
| Riverside | $1,178 |
| Sacramento | $1,044 |
| San Bernadino | $1,217 |
| San Diego | $1,010 |
| San Francisco | $1,105 |
What does home insurance cover in California?
There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:
The simplest and least comprehensive type of homeowners insurance.
Provides coverage for a handful of potential problems including:
- Natural disasters (storms, fires, wind lightning, volcanic eruption)
- Explosions
- Theft
- Damage from vehicles
- Civil commotion
Broad form homeowners insurance policies include all basic form coverage, plus:
- Protection from falling objects
- Damage from the weight of ice, snow, or sleet
- Freezing of household systems including HVAC and pipes
- Sudden and accidental damage to pipes and other household systems from artificially generated electrical current
- Accidental discharge or overflow of water or steam
- HO-2 policies typically cover both dwelling protection and personal property.
- In some cases, broad form coverage may also include liability coverage. However, it still only covers the specific damages listed in the policy.
- The most common form of homeowners insurance is known as a “special form” policy.
- While HO-1 and HO-2 policies are “named peril” policies (meaning they only cover dangers that are specifically listed in the policy), HO-3 policies are “open peril” policies meaning they’ll cover all dangers except those specifically excluded in the policy documents.
- HO-4 policies, also known as renters insurance, are for people who lease rather than own their homes.
- Tenant’s form policies typically cover all the same dangers as HO-2 policies.
- Tenant’s form policies typically cover all the same dangers as HO-2 policies.
- These policies include personal property coverage and liability coverage but don’t cover the physical structure of the house.
- Some HO-4 policies may also include loss of use coverage for the tenants.
- Comprehensive form policies are usually the broadest and provide the highest level of coverage; not surprisingly, they also tend to be the most expensive type of homeowners insurance policies.
- The biggest difference between HO-3 and HO-5 policies is that most HO-3 policies are “actual cash value” policies, whereas typically HO-5 policies are “replacement cost value” policies.
- An actual cash value policy will only reimburse you for the actual value of a damaged or destroyed item, while a replacement cost value policy will reimburse you for however much it would cost to completely replace or repair the damaged or destroyed item (up to the coverage limits on the policy).
- HO-5 policies also provide personal property coverage against a wider range of dangers than the typical HO-3 policy. Many HO-5 policies also have extra coverage for high-value personal property such as jewelry and artwork.
- Not surprisingly, condo form insurance is for condominium owners. HO-6 policies generally protect against the same types of dangers as HO-3 policies.
- They provide dwelling protection coverage with a twist: HO-6 policies cover the walls, floors, and ceiling of the condo unit but not the rest of the building.
- These policies also include personal property and liability coverage and may include loss of use coverage.
- If you own a mobile home or manufactured home, you likely have an HO-7 policy.
- Mobile home form policies are typically identical to HO-3 policies, except they’re designed specifically for mobile and manufactured homes.
- Like HO-3 policies, they provide dwelling protection coverage, other structures coverage, personal property coverage, liability coverage, and possibly loss of use coverage as well.
- HO-7 policies generally only protect the home when it’s stationary; if you plan to move your mobile or manufactured home, you’ll need to get a special policy to cover it while it’s in transit.
- Older homes have generally been built to less stringent code standards than recently built homes, and so insurers have designed a specialized type of homeowners insurance policy for them.
- HO-8 policies often only cover the basic perils listed in HO-1 policies and generally apply to homes that are registered landmarks or otherwise deemed historic homes.
- Owners of registered landmarks are typically forbidden from making the updates to HVAC, electrical, and other parts of the home to enable them to qualify for a standard HO-3 policy, so an HO-8 policy is often the only option for them.
For more detailed California city level guides, check out these below.
Coverage for Natural Disasters
As California residents know all too well, natural disasters can be catastrophic to property and livelihoods. In California, especially, homeowners and renters alike face earthquakes and increasing wildfire risk each season. Earthquake damage? Flood insurance? Wildfire protection? Additional coverage?! What’s covered and what’s not when it comes to homeowners policies and natural disasters in California? Damage due to uncontrollable circumstances may still be covered- your level of coverage will determine how much your property is actually protected through your policy.
With such risk, home insurance providers often charge higher premiums to cover potential disasters like the recent wildfires. That being said, with the right tools, you may still be able to find competitive home insurance rates in your area. To compare the best homeowners insurance companies, use Insurify to compare home insurance quotes all in one place.
Home and Auto Bundling Options for California Homeowners
All these supplemental insurance services adding up? There are still ways to save on homeowners insurance even with all this additional coverage. Home insurance companies will often offer policyholders bundling discounts if they opt to combine different insurance products into single policies with the same insurance company. For example, you may discuss with your insurance agent if you can combine your home policy with life insurance or auto insurance. Living expenses can be high in California, cut costs by bundling home and car insurance to get the best rate without sacrificing quality.
Special Home Insurance Situations in California
Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in California.
Cheapest Home Insurance for Houses Near Fire Department in California
If your home is within a certain distance from a fire department or fire hydrant your rates may decrease. The same applies for the opposite. If your home is far from fire safety, you may pay more for homeowners insurance.
| Insurance Company | Average Annual Premium The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Allstate | $601 |
| CSAA | $1,447 |
| Encompass | $4,602 |
| Farmers | $1,592 |
Cheapest Home Insurance for Houses Near the Coastline in California
Beachside living is wonderful. But the risk a nearby coastline may present to your home could end up increasing your home insurnace rates. The closer you are to the shore, the more at risk your property is to flooding. This will be reflected in your homeowners insurance rate.
| Insurance Company | Average Annual Premium The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Aegis | $603 |
| AIG | $1,005 |
| Capital Insurance Group | $1,120 |
| Chubb | $883 |
Cheapest Home Insurance for Houses With Swimming Pools in California
Swimming pools fall under a category called attractive nuisances. Sure, they offer a fun way to cool off during warm summer months, but they also pose a major injury risk. For that reason, having a swimming pool in your yard could increase rates.
| Insurance Company | Average Annual Premium The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Grange | $990 |
| Hartford | $1,804 |
| Mapfre | $1,465 |
| State Farm | $709 |
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How to Find the Cheapest Home Insurance in California
Just like groceries or clothes shopping, you can find a good bargain on home insurance without sacrificing sufficient coverage to protect your property investment. Protect your home from water damage to burglars, and everything in between. With a little research and the right tools, you’ll be on your way to big savings.
Use Insurify to compare free quotes for home insurance premiums for your property in California.
Frequently Asked Questions
Due to the increased commonality of natural disasters involving fires, high winds, and earthquakes, California homeowners, especially those fire-prone areas and along the coastline, may have higher-than-average home insurance premiums. When insurance companies take on increased risk, as they do in disaster-prone areas of California, they increase their chances of needing to pay out customers when disaster strikes. There are ways, though, that you can cut home insurance costs, even if you live on the water. Use Insurify to compare premiums in your area.
Yes, USAA insures home in California. However, policyholders must be active military members, veterans, or the family members of those in the armed forces.
Short answer: it depends. Of course, in times of crisis, like wildfires or earthquakes, many of your neighbors will also be filing claims with their insurance companies, crowding the systems, and slowing down the claims process. The amount of time it takes to file a claim in California will vary from case to case. To find the best home insurance companies in your area, use insurify to compare reviews and quotes.
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