Best and Cheapest Home Insurance in California (2021)

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Introduction

According to the U.S. Census Bureau, California has the highest number of households with over 13 million. As one of the largest individual insurance markets in the country, shopping for homeowners insurance in the Golden State can be a headache-inducing mirage of constant radio and television ads. 

Given California’s susceptibility to home-threatening natural disasters, sufficient home insurance coverage is necessary to protect your property. Read on for an all-encompassing guide to navigating California home insurance.

Insurify can help you get the best homeowners insurance in your area in just a few minutes, no matter your background, profile, or insurance needs.

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.

Homeowners Insurance Quotes in California 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 Homeowners Insurance Premium in California by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

  • Average Annual Homeowners Insurance Premium in California by Company - $500 Deductible
  • Average Annual Homeowners Insurance Premium in California by Company - $1000 Deductible
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Home Insurance Rates in California by City

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.

CityMedian Home Price
Atherton$7,050,000
Santa Monica$4,154,000
Beverly Hills$4,080,000
San Francisco$1,195,000
Fresno$212,700
Death Valley$203,200
Big Bend$136,800
Winterhaven$88,600

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:

HO-1: Basic
HO-2: Broad Form
HO-3: Special Form
HO-4: Tenant’s Form
HO-5: Comprehensive
HO-6: Condo Form
HO-7: Mobile Home Form
HO-8: Older Home

Natural Disasters and Home Insurance Coverage in California

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.

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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 CompanyAverage Annual Premium
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 CompanyAverage Annual Premium
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 CompanyAverage Annual Premium
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.

California Homeowners Insurance FAQ

Why is home insurance so expensive in California?

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.

Does USAA insure homes in California?

Yes, USAA insures home in California. However, policyholders must be active military members, veterans, or the family members of those in the armed forces.

How long does a home insurance claim take in California?

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.