California Homeowners Insurance

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

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

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
CityAverage 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 SavingsBundle Savings %
$1,815.00$1,615.00$200.0012%

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


Compare auto insurance rates today!