Best Homeowners Insurance in California

We analyzed data from more than 150 insurance companies to find the cheapest home insurance rates in California. Read on to learn more or enter your ZIP below to compare quotes.

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Home insurance in California: see rates, companies and more

The average cost for home insurance in California is $1,031 per year or $86 per month — this is 35% cheaper than the national average. The best way to get a cheap home insurance policy in California is to view prices from multiple insurance companies. Learn average home insurance rates in California by reviewing the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.

 

Home insurance in California — table of contents:
  1. Which companies are the cheapest?
  2. Bundling discounts
  3. Rates by deductible level
  4. Costs by city
  5. Rates by coverage level
  6. FAQs
  7. Insurance for disasters

 

Cheap homeowners insurance companies in California

Rates for home insurance in California differ depending on the insurance company you choose. California Automobile provides the most affordable homeowners policies in California — $639 per year. This beats the state's average rate of $1,031, providing a $392 discount on average policy costs statewide.

Start shopping for a homeowners insurance policy by reviewing the best California insurance companies, detailed below.

 

AFFORDABLE HOME INSURANCE COMPANIES IN CALIFORNIA
CarrierAverage Annual Rate in California
California Automobile$639
Travelers$762
Allstate$810
General$827
AAA$830

 

Homeowners and auto insurance bundles in California

If you want to save on insurance, consider purchasing your home and auto policies from the same insurance company. A home and car insurance bundle in California can lead to substantial savings on your auto insurance bill. Bundling policies in California leads to a yearly discount of $200.

 

HOME AND AUTO INSURANCE BUNDLING SAVINGS IN CALIFORNIA

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,815$1,615$20012%

 

Homeowners insurance deductibles in California

One of the many choices that you will make when looking at homeowners insurance policies is how high or low to set your deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. The deductible level you choose can have a big impact on home insurance rates.

When choosing a deductible, keep in mind that the higher your deductible is, the lower your premiums will be. Therefore, if you are aiming for lower home insurance rates, you’ll want to keep your deductible higher. Bear in mind: your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The chart below outlines the typical premium costs associated with deductibles offered by most home insurers.

 

HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE TIER IN CALIFORNIA
Deductible LevelAverage Annual Home Insurance Rate
$500$952
$1,000$850
$1,500$803
$2,000$724
$5,000$609

 

California homeowners insurance by city

Not all California cities have the same home insurance rates. Policy pricing depends on locally specific variables such as the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

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

 

CHEAPEST HOME INSURANCE CITIES IN CALIFORNIA
CityAverage Annual Home Insurance Rate
Oxnard$722
Fremont$814
San Diego$816
San Jose$829
Modesto$842

 

Looking for insights on homeowners insurance in a particular city? Check out our breakdown of major California cities:

  1. Anaheim
  2. Bakersfield
  3. Chula Vista
  4. Fremont
  5. Fresno
  6. Irvine
  7. Long Beach
  8. Los Angeles
  9. Oakland
  10. Riverside
  11. Sacramento
  12. San Bernardino
  13. San Diego
  14. San Francisco
  15. San Jose
  16. Santa Ana
  17. Stockton

 

Average homeowners insurance rates in California by coverage limit

Your chosen amount of homeowners coverage has an impact on the insurance premiums you pay. In California, maintaining $100K dwelling coverage costs an average of $403 per year, while carrying dwelling coverage up to $400K costs $1,290 per year.

 

HOMEOWNERS INSURANCE RATES IN CALIFORNIA — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$403
$200,000 Dwelling$726
$250,000 Dwelling$850
$400,000 Dwelling$1,290

 


 

California homeowners insurance FAQs

 

Do you need homeowners insurance in California?

The state of California will not require you to carry homeowners insurance but your mortgage (if applicable) will.

What percentage of California homeowners have earthquake insurance?

Approximately 10% of California residents have earthquake coverage.

Does GEICO offer homeowners insurance in California?

Currently, GEICO does offer homeowners insurance in California.

 


 

Homeowners insurance and earthquakes in California

California deals with roughly 257 earthquakes each year, so 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 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.

If your home is in an area prone to earthquakes, expect higher home insurance rates, especially in the highest-risk locations. Earthquake insurance is not available from most standard insurers, but there are options for those who live in states where earthquakes are a threat. Insurance companies in California may allow you to purchase an endorsement to cover damage from earthquakes. Keep in mind that earthquake insurance deductibles tend to be more costly than standard deductibles. In California, a homeowners insurance endorsement for earthquake coverage carries an additional cost of $373 per year.

Have a look at the best options for earthquake coverage in California listed below. It's important to treat these figures as estimates only, as rates will differ based on your specific property.

 

CHEAP HOMEOWNERS EARTHQUAKE COVERAGE IN CALIFORNIA
CompanyAverage Annual Earthquake Insurance Rate
AAA$511
Travelers$548
Mercury$559
Liberty Mutual$587
Allstate$857

 

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

 

Home insurance and fires in California

Homeowners insurance covers fire damage in CaliforniaIf your home was damaged or destroyed by a fire,  your 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. Find out more about high-risk homeowners insurance

*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 exceeds 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.

Compare homeowners insurance rates online today.

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: