Best Home Insurance in California (2023)

Compare personalized Home insurance rates in California

Home Insurance in California

You love your home and want to protect it, but you also don’t want to overpay for homeowners insurance in California. You don’t have to if you know what California homeowners requirements are and how to get cheap homeowners insurance here. Here is everything you need to know about home insurance in California.

Home Insurance Companies in California

As a large and diverse area, it’s essential to compare the top rated homeowners insurance companies in California to find a policy that fits your needs. The best home insurance companies in California look at the details of your home - it’s size, value, location, and features - to make the best decision on pricing for you. Turn to multiple homeowners insurance agencies in California to compare each of them. When you work with independent home insurance agents in California, they can provide quotes for multiple insurers, giving you more options faster.

How to Get the Best Rates for Home Insurance in California

It’s essential to get the best rates for coverage. To do this, you need to know who to request a quote from. Enter your zip code on this page. It will provide you with a list of companies to help you.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in California?

The average annual premium in California is likely less than you think. The HO-3 policy costs, on average, $986 per year. That’s below the $1,173 national average. However, the cheapest home insurance in California isn’t in the larger cities or bigger metro areas. That’s why it is so important to get multiple home insurance quotes in California to really learn about your options.


<twitter>The average annual premium in California is likely less than you think. The HO-3 policy costs, on average, $986 per year. That’s below the $1,173 national average.</twitter>


List of Homeowners Insurance Companies in California

A good starting place is with a list of available companies. Enter your zip code on this page. Then, check out the companies that provide policies to California property owners.

How Homeowners Insurance Is Calculated in California

Where you live plays a big role in what you will pay for homeowners insurance here. Insurers look at the specific risks you face as a property owner - location, home size, and features matter, too. Here are a few of the things insurers to consider when estimating risk for premiums.


<qa>1;Crime;Crime is one concern. Violent crime in California is 4.49 per 1,000 residents. That is above the national crime rate average of 4. Property crimes here are a concern, too. The crime rate is 24.97 per 1,000 properties, which is above the national average of 24.</qa>

<qa>2;Weather/Climate;Weather in California also depends on location. In the north, winter storms and ice can cause property damage. Earthquakes are a concern. Other climate concerns, such as droughts and extreme heat can lead to the risk of fires. Insurers take this into consideration when providing a premium.</qa>

<qa>3;Home Values;Home values in California are some of the highest in the state. As of March of 2019, the median home value in California is $548,800. That’s well above the national average. This can make some homes more expensive to insure.</qa>

Home Insurance Requirements in California

Understanding your home insurance is a must. Ask questions to get more insight into your needs. Here are some common questions.

Is Homeowners Insurance Required in California?

If you carry a mortgage in California, your loan contract is likely to require comprehensive home insurance. The state does not. Most communities do not require you to maintain insurance either

What Does Home Insurance Cover?

Comprehensive home insurance covers the property and liability risks. For example, your policy may help cover the repairs to your home after a fire. It includes some protection for your possessions, too, usually between 20 and 50 percent of the total coverage of your policy is also available for your personal belongings. Liability insurance protects you from lawsuits filed against you.

Homeowners Insurance for New Properties in California

Nearly all homes built here have a mortgage. That makes insurance necessary. However, these large investments always benefit from a home insurance policy.

Homeowners Insurance for Old Properties in California

In some areas, homeowners with older properties may think about cancelling the policy. That’s not a good idea for most people due to the ongoing risks.

Renters Insurance in California

California law does not require renter’s insurance. However, it is very common for a property management company or landlord to require it before allowing someone to move in.


It’s nearly always a good idea. This very affordable policy tends to cover property in your rented home along with liability risks. This is not covered under your landlord’s policy.


<zipcode>Compare Renters Insurance in California</zipcode>


Compare Home Insurance in California by City

You want the cheapest home insurance in California. However, this differs by area. Compare home insurance quotes in these top cities based on their size and home values.


<qa>1;Home Insurance Quotes in Los Angeles, California;Modern, upscale, with high-valued homes, Los Angeles is the largest city here. It’s home to 3,999,759 people. The median home value here is $694,200.</qa>

<qa>2;Home Insurance Quotes in San Diego, California;This beautiful community is one of the most desirable places to live. It’s home to 1,419,516 people. The median home value in San Diego tops $632,000.</qa>

<qa>3;Home Insurance Quotes in San Jose, California;This area is seeing significant growth and new development. San Jose has 1,035,317 people living in it. Home values in San Jose are even higher at $1,073,500.</qa>

<qa>4;Home Insurance Quotes in San Francisco, California;This popular city on the Bay is also highly desirable for its upscale, urban lifestyle. It’s home to 884,363 people. The median home value in San Francisco is among the highest in the country at $1,365,700.</qa>

<qa>5;Home Insurance Quotes in Fresno, California;Fresno is also an excellent urban area with a thriving suburban area. There are 527,438 people living here. Home values are closer to $241,400 here.</qa>


Bonus: Most Expensive Homes in California

What if you had to pay the home insurance on one of these homes. They are the most expensive in California.

  • 360 Mountain Home Road in Redwood City is valued at $117,500 million for a nine-acre property.
  • 22258 to 22310 Pacific Coast Highway in Malibu - yes it’s on the water - is valued at $110 million.
  • 301 N. Carolwood Drive in Los Angeles, known as an A-lister area, is valued at $100 million.