5 Best Los Angeles Homeowners Insurance Companies (2025)
Allstate and Armed Forces Insurance Exchange offer the best homeowners insurance policies in Los Angeles.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The average cost of homeowners insurance in Los Angeles is $254 per month for a policy with a $1,000 deductible and $300,000 in dwelling coverage — slightly higher than the national average of $211.
Los Angeles faces increased exposure to various natural disasters, including earthquakes, which standard home insurance policies exclude. Consider a supplemental earthquake policy to increase your protection if you’re in a high-risk zone.
Here’s what you should know about comparing quotes and finding coverage in the City of Angels.
Quick Facts
Allstate, Armed Forces Insurance Exchange, and Mercury have some of the cheapest home insurance in Los Angeles.
Standard home insurance policies cover damage from wildfires — a risk factor for homes in Los Angeles.
Home insurance in Los Angeles is much higher than the statewide cost of $2,160 per year for a $300,000 policy with a $1,000 deductible.
Best home insurance companies in Los Angeles
The best homeowners insurance company for you depends on your individual situation and needs. In Los Angeles, residents have many quality home insurance companies to choose from.
Cheap rates: Allstate
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $100/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $163/mo |
Los Angeles homeowners typically pay higher insurance premiums than the average California homeowner. So, if you’re seeking coverage options at the lowest price, look no further than Allstate. In addition to affordable rates, the company offers discounts for buying a new home, bundling policies, setting up automatic payments, installing protective devices, and more.
Pros
Offers coverage for your belongings while home-sharing
Optional coverage for energy-efficient home improvements
Cons
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Below-average J.D. Power customer and claims satisfaction ratings
Best insurer for military personnel: Armed Forces Insurance Exchange
California has the most active-duty military members in the U.S., according to Department of Defense (DOD) data. If you’re active, retired, or former military personnel, an immediate family member of one, or a civilian DOD employee, Armed Forces Insurance Exchanges offers insurance built for your unique needs. In addition to home insurance, the company offers flood, collector vehicle, condo, umbrella, pet insurance, and more.
Pros
Low rates
California Earthquake Authority provider
Cons
Restricted to military-affiliated members and civilian DOD employees
B+ (Good) AM Best financial strength rating is lower than many other insurers
Best insurer for natural disaster protection: Mercury Insurance
natural disaster protection
Mercury
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.6/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 586 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $113/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $170/mo |
Living in the Los Angeles area exposes your home to an increased risk of damage from disasters like wildfires and earthquakes. Mercury is Insurify’s top pick for natural disaster coverage, offering earthquake insurance and discounts for fire mitigation efforts. The company also offers discounts for installing protective devices in your home, buying a newer home, and living in a gated community.
Pros
Affordable premiums
24-hour customer service
Cons
Limited optional coverages
Higher-than-average number of complaints with the NAIC
Best insurer for senior homeowners: Pacific Specialty
senior homeowners
Pacific Specialty
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $88/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $149/mo |
People older than 65 account for nearly 16% of the Los Angeles population.[1] If you’re a senior homeowner, you can take advantage of Pacific Specialty’s 20% discount for living in a gated retirement community. The insurer also offers several optional coverages, including computer equipment, water backup, earthquake, and service line coverage.
Pros
Tiered coverage packages available
Multi-policy discount of up to 12%
Cons
Limited online presence
High number of customer complaints with the NAIC
Best insurer for high-value homes: Chubb
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 688 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $313/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $460/mo |
Los Angeles has some of the highest property values in the country, with the average home costing more than $900,000. For homeowners with high-value homes, Chubb is a great option. Chubb has a plethora of coverages, offers higher limits than other insurers, has complimentary risk consulting, and doesn’t factor in depreciation when paying out claims.
Pros
Chubb Masterpiece® offers a premium level of coverage for high-net-worth homeowners with significant assets
Adjusters respond to claims within 24 hours and can issue payment within 48 hours
Coverage available in all 50 states
Cons
Involved in 2023 class action citing misleading home premium discounts
Must get a quote through an agent
Coverage may not be right for lower value homes
Our editorial team analyzed regional and national home insurance companies that sell policies in Los Angeles to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Los Angeles?
The average cost of home insurance in Los Angeles is $3,048 per year, or $254 per month. In comparison, the California state average is $2,160 per year, or $180 per month.
But your rates vary based on various factors, such as the specifics of your policy. This includes your coverage amount, optional coverages, and deductible amount. Having more coverage increases your home insurance premiums.
Risk factors such as your location, the age of your home, your claims history, and your home’s features also influence your policy’s cost. Homeowners with riskier homes to insure generally pay higher rates.
Finally, homeowners insurance costs differ by company, as each calculates premiums differently. Some companies provide lower rates for certain risk factors than others, so it pays to shop the market for the best prices.
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Cheapest home insurance companies in Los Angeles
The cheapest home insurance in Los Angeles is Auto Club, at $69 per month. Armed Forces Insurance Exchange and Mercury also offer competitive rates below the city’s average premium.
Take a look at the table below for the most affordable insurance companies in Los Angeles and their average annual premiums for policies with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Auto Club | $552 |
| CSAA | $660 |
| Pacific Specialty | $720 |
| Cse | $768 |
| Allstate | $840 |
| Farmers | $864 |
| USAA | $972 |
| Capital Insurance Group | $1,008 |
| Mercury | $1,020 |
| Travelers | $1,068 |
| Grange | $1,068 |
| State Farm | $1,176 |
| Foremost | $1,332 |
| Nationwide | $1,356 |
| Encompass | $1,368 |
| AIG | $1,488 |
| Chubb | $2,484 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Auto Club | $1,404 |
| CSAA | $1,452 |
| Cse | $1,536 |
| USAA | $1,608 |
| Pacific Specialty | $1,788 |
| Allstate | $1,956 |
| Mercury | $2,040 |
| Capital Insurance Group | $2,076 |
| Travelers | $2,328 |
| Farmers | $2,388 |
| Grange | $2,472 |
| State Farm | $2,520 |
| Nationwide | $2,724 |
| Encompass | $3,216 |
| Foremost | $3,552 |
| AIG | $3,564 |
| Chubb | $5,520 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| CSAA | $2,004 |
| Auto Club | $2,148 |
| Cse | $2,172 |
| USAA | $2,388 |
| Pacific Specialty | $2,748 |
| Allstate | $2,904 |
| Mercury | $2,940 |
| Capital Insurance Group | $3,048 |
| Farmers | $3,528 |
| Travelers | $3,576 |
| Grange | $3,600 |
| State Farm | $3,624 |
| Nationwide | $4,104 |
| Encompass | $4,836 |
| AIG | $5,424 |
| Foremost | $5,712 |
| Chubb | $7,668 |
How much homeowners insurance do you need in Los Angeles?
How much homeowners insurance you need depends on your dwelling, personal property, personal liability, and additional living expense coverage needs.
For example, standard home insurance policies don’t include earthquake coverage, so you’ll need to consider an additional policy. Home insurance typically covers wildfires, but it may be worth it to invest in higher limits as repair costs rise. An insurance agent or insurance broker can help determine the amount and types of insurance for your situation.
In general, it’s good to follow the 80/20 rule. Buy enough coverage to cover 80% of the value of your items. Otherwise, your insurer may not fully cover your loss.
California law doesn’t require homeowners to carry insurance, but most lenders will if you take out a mortgage on your home. Even if you don’t have a mortgage, carrying insurance is still a smart idea. Before buying your policy, read the fine print to ensure your home insurance policy covers everything you need it to.
What to know about home insurance in Los Angeles, CA
Los Angeles homes face many risks, which can raise insurance costs. The most glaring hazards are earthquakes, wildfires, and landslides. Plus, the high property values means repairs get expensive. Here’s what you need to consider:
Earthquakes
FEMA estimates the annual losses due to earthquakes in Los Angeles County are approximately $4 billion — higher than 100% of U.S. counties.[2] Standard policies won’t cover earthquake damage, so you must purchase this coverage from a California Earthquake Authority (CEA) participating provider. You can also ask your current insurer if it offers earthquake policies.
Wildfires
The First Street Foundation estimates that 63% of properties in Los Angeles face an elevated risk of wildfire damage over the next 30 years.[3] Most insurers cover fire-related damages, but that depends on your area’s risk level. The California FAIR Plan provides coverage to homeowners who live in vulnerable areas and don’t qualify for traditional homeowners insurance. Before qualifying for coverage through the FAIR Plan, you’ll need to work with a broker to determine if you can get a traditional policy.
Landslides and mudslides
Los Angeles has a more heightened risk of landslides than 96% of U.S. counties. Homeowners insurance doesn’t cover damage from earth movement, like landslides and mudslides. Flood insurance may cover mudflow, and earthquake insurance may cover landslides, but it depends. Ask about the specifics of your policy and whether your insurer offers separate mudslide or landslide insurance.
Average cost of home insurance in other cities in California
Cities and different ZIP codes within them vary in risk, so your home insurance quote may differ from that of a friend who lives across town.
For example, people in a major urban city like Los Angeles can expect higher home insurance rates than people in a less populated city like Bakersfield. Densely populated areas generally have increased crime rates, boosting instances of theft and vandalism damage.
Additionally, areas near the San Andreas Fault Zone, one of California’s most active fault systems, face a higher risk of property damage due to earthquakes and other natural disasters. Some of California’s most densely populated cities — like Los Angeles, San Diego, and San Francisco — are located near it.[4]
Similarly, various California cities experience higher wildfire risk than others. Living near a fire station can lower your premiums because it typically means quicker response time from firefighters, reducing property damage. See how home insurance rates compare for some other California cities in the table below.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium: $300,000 in Dwelling Coverage |
|---|---|
| San Jose | $1,692 |
| Bakersfield | $1,896 |
| Sacramento | $1,908 |
| San Francisco | $1,908 |
| Stockton | $1,992 |
| San Diego | $2,028 |
| Fresno | $2,220 |
| Riverside | $2,328 |
| Los Angeles | $3,048 |
Los Angeles homeowners insurance FAQs
If you’re shopping for home insurance in Los Angeles, the additional information below may help as you weigh your coverage options.
Home insurance in Los Angeles costs $3,048 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. But your rates will depend on many factors, including your ZIP code, the age of your home, the square footage of your home, and the coverage levels you choose.
Auto Club has the cheapest homeowners insurance in Los Angeles, with an average monthly premium of $69. Armed Forces Insurance Exchange and Mercury also offer affordable coverage.
The best home insurance companies in Los Angeles include Allstate, Mercury, Chubb, Armed Forces Insurance Exchange, and Pacific Specialty. But the best home insurance for you depends on your home’s location, the property value, risk factors, and your budget. Compare multiple insurers to find the best coverage at the best price.
On average, insurance costs $255 per month for a $500,000 home in California.
No. California doesn’t require homeowners insurance, but your lender will require it if you have a mortgage on your home. Even if you’ve paid off your home, it’s still important to carry coverage so that you’re protected financially if something damages or destroys your home.
Yes. AAA sells home insurance in California. You can go to the AAA website to search for a branch location near you.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- U.S. Census Bureau. "Los Angeles city, California."
- Federal Emergency Management Agency. "Los Angeles County, California."
- First Street Foundation. "Does Los Angeles have Wildfire Risk?."
- California Earthquake Authority. "What is the San Andreas Fault?."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.