California Homeowners Insurance

Finding homeowners insurance shouldn't be complicated. Compare rates from California by city and insurance company below.

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Find affordable homeowners insurance in California


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A home insurance policy defends your home and your items in the event of a variety of calamities, including wind damage, fire, theft, vandalism, and others.

Major discrepancies exist in home insurance costs from state to state. Homeowners insurance prices by state may differ depending on the value of — and frequency of — home policy claims filed in the state, and depend on the value of the belongings and property you're covering.

The best way to find a cheap home insurance policy in California is to shop around and compare rates from as many insurance companies as possible. Learn more about home insurance rates in California via the below data. Individual rates may vary depending on coverage options.


California homeowners insurance:
  1. Rates by company
  2. Rates by city
  3. How to bundle home and auto insurance


Homeowners insurance rates in California by insurance company

Home insurance prices in California will vary depending on the insurer you use. California Automobile offers the most affordable home insurance in California — $639 per year. This compares favorably to the state mean cost of $1,031, providing a $392 price cut on the state's average rate.

Start looking for a homeowners insurance policy by reviewing the cheapest California home insurance carriers, listed below.


HOME INSURANCE RATES IN CALIFORNIA: BY COMPANY
Insurance CompanyAverage Annual Rate in California
California Automobile$638.99
Travelers$762.48
Allstate$809.73
General$827.06
Interins Exchange$830.32


Another insurance provider in California is Hippo. They offer modernized home insurance in order to decrease the overhead and save you money. Click below to get started.



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California home insurance costs: by city

Not every city in California has equal home insurance costs. Policy rates rely on on city-specific variables, including the number of local claims filed, meaning your specific ZIP code impact how much you pay.

The most affordable home insurance in California is found in Oxnard. The average home insurance policy in Oxnard costs only $722 per year — $309 less than the statewide average. The below cities have the most affordable homeowners insurance in California.

AFFORDABLE HOME INSURANCE BY CITY IN CALIFORNIA
City
Average Yearly Home Insurance Rate
Oxnard
$722.36
Fremont
$813.76
San Diego
$815.83
San Jose
$829.20
Modesto
$841.71

 

Home and auto insurance bundles in California

If you're looking for savings, consider purchasing both your car and home insurance policies from one company. Bundling auto and homeowners insurance in California can lead to substantial savings on your auto insurance policy. In fact, bundling policies in California may generate average annual savings of $200.

HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN CALIFORNIA
Avg. Annual Auto Insurance Rate (No Bundle)
Avg. Annual Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %
$1,815.00
$1,615.00
$200.00
12%

One of the best ways to save on auto insurance is to bundle policies. Compare rates today!

 

Compare rates from top car insurance companies.

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Homeowners insurance and earthquakes in California

California encounters roughly 257 earthquakes each year, meaning California residents might want to consider attaining earthquake insurance.* However, this coverage is not a regular feature in home policies. Earthquake coverage comes in the form of an added endorsement to your homeowners policy and protects you against damages that result from earthquakes.

Aftershocks pose another serious threat. Aftershocks can be severe, and can wreak havoc for days after the initial earthquake. Luckily, you pay only one deductible for losses resulting from the initial earthquake as well as all related aftershocks that occur inside a period of 72-hours.

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)

 

Home insurance and fires in California

Homeowners insurance covers fire damage in California.If yourhome was damaged or destroyed by a fireyour homeowners insurance company would cover the damage to your property up to your policy limits. The prevalence of wildfires in California reinforces the importance of having sufficient homeowners insurance: 15% of California households are in danger of sustaining damage from a wildfire. In fact, 1,823,153 of the state's acres fell victim to fires in the state in 2018.* However, there are some important caveats when it comes to homeowners insurance and wildfires — learn more here.

In addition to covering damages — up to your policy limits — your home insurance would cover additional living expenses if your home is deemed unlivable. Damage occurring via arson — or fire-related damage to a vacant home — will not be covered by a homeowners insurance policy.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)

 

Floods and home insurance in California

Damage from flooding, whether from a hurricane or a torrential downpour, is not covered by homeowners insurance policies. To insure your home against flood damage, buy insurance from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250,000 structural coverage
  • $100,000 personal property coverage

If the value of your home and personal property exceed these limits, look into acquiring a policy from a private company for additional protection. Flood insurance is a necessity in California, which faced $4,589,636 in flood insurance claims in 2016, according to FEMA.