Earthquakes. Wildfires. Floods. California has its share of natural disasters, which means it ’ s important to find the best homeowners policy to cover your home. The average cost of homeowners policy in California is $ 1,273 per year, or $ 106 per month. That ’ s less than the national average of $ 1,765. NerdWallet analyze rate and policy information from 32 companies to determine the cheapest and best policy options in California. Our sample homeowner had $ 300,000 of dwelling coverage, $ 300,000 of indebtedness coverage and a $ 1,000 deductible. Your own rates will be different .

Why you can trust NerdWallet

Our writers and editors follow rigorous editorial guidelines to ensure paleness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every venue in the area where coverage is offered and data is available. When comparing rates for unlike coverage amounts and backgrounds, we change lone one variable at a fourth dimension, so you can easily see how each divisor affects price.

The best cheap homeowners insurance in California

The follow board lists companies with an average homeowners rate below the state average of $ 1,273 per class. Where available, we ’ ve included NerdWallet ’ sulfur star fink for each company .

company median annual rate NerdWallet leading rate
Oregon Mutual $ 760

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NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Allstate $ 768

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NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Travelers $ 805

4.5 NerdWallet evaluation

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National General $ 871

3.5 NerdWallet evaluation

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Auto Club of SoCal $ 911

3.5 NerdWallet rate

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state of matter grow $ 955

4.0 NerdWallet rat

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Mapfre $ 988

3.5 NerdWallet rat

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mercury $ 1,002

3.5 NerdWallet fink

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Pacific specialization $ 1,054 not rated
American Strategic* $ 1,085 not rated
CIG $ 1,132

2.5 NerdWallet rat

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Grange Insurance Association $ 1,149

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CSAA $ 1,178 not rated
USAA ** $ 999

4.5 NerdWallet evaluation

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Armed Forces Insurance** $ 1,002

3.5 NerdWallet fink

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*American Strategic is a subsidiary company of Progressive .
**USAA and Armed Forces Insurance by and large serve the military community. Their homeowners insurance policies are not available to everyone .

The cheapest companies on this number may not necessarily be the cheapest for your coverage needs, so we encourage you to shop around with multiple insurers. hera ’ s more information about a few of the companies in the list above.

The best affordable option: Travelers

Because it combines a high NerdWallet rat with a gloomy average annual rate, we consider Travelers to be the best home policy company in California for many homeowners. Travelers is one of NerdWallet ’ south best homeowners indemnity companies, thanks to its fiscal lastingness, user-friendly web site and broad compass of coverage options. Travelers offers a full-bodied on-line experience. You can use the web site to get a homeowners insurance quote, file and track claims, make payments and learn about policy basics. Its coverage offerings are similarly strong. For example, you can add extra coverage in lawsuit the dwelling limit on your home international relations and security network ’ t adequate to rebuild your house after a catastrophe. One singular option is Travelers ’ greens home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a report claim. Learn more in our Travelers homeowners policy review.

The cheapest option: Oregon Mutual

Based in McMinnville, Oregon, this company was founded in 1894 and sells policies in four states, including California. apart from its low-cost average rates, Oregon Mutual besides offers several discounts worth asking about. For example, you could save by bundling your homeowners and car policies or by having a monitor fire and burglary alarm clock system in your home. Oregon Mutual has a solid slate of options for customizing your policy, including coverage for identity larceny expenses, valuable personal belongings and damage from backed-up water system. however, the company drew more than the expect number of consumer complaints to country regulators for an insurance company of its size, according to the National Association of Insurance Commissioners. And its web site doesn ’ triiodothyronine have all the features that you ’ ll get from bigger insurance companies. You can ’ deoxythymidine monophosphate file a claim on-line, for example, and you ’ ll need to speak with an independent agent to get a homeowners insurance quote.

Worth considering for military and veterans: USAA

USAA sells homeowners indemnity to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That ’ sulfur because the company ’ second homeowners indemnity has certain features that may not be included by other companies. For exercise, your personal belongings are mechanically covered on a “ substitute price ” footing. many companies pay out only what your items are worth at the fourth dimension of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff. USAA besides covers military uniforms without a deductible for those on active or reserve duty. Learn more in our USAA homeowners insurance revue.

The best California homeowners insurance for different scenarios

Each California homeowner ’ mho unique circumstances will affect the monetary value of their policy. For exercise, buying a new base may mean lower rates, while filing a call means you ’ ll likely pay more for a few years. Below are the cheapest homeowners policy companies in California for some park scenarios.

The best California home insurance for those who’ve filed claims

This table shows the most low-cost rates for California homeowners who ’ ve filed a recent claim for wind wrong .

party average annual rate NerdWallet star denounce
Travelers $ 805

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Auto Club of SoCal $ 911

3.5 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Allstate $ 940

4.0 NerdWallet rating

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National General $ 951

3.5 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

USAA* $ 999

4.5 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

*USAA homeowners policies are available lone to active military, veterans and their families .

The cheapest companies for those with a holocene water system wrong claim are slenderly different :

company

average annual rate NerdWallet star rate
American Strategic $ 640 not rated
Auto Club of SoCal $ 911

3.5 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Allstate $ 940

4.0 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

National General $ 951

3.5 NerdWallet rat

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Oregon Mutual $ 1,020

3.0 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

The best California homeowners insurance for new houses

If you own a newer home plate, you ’ ll most likely give less than the department of state average for homeowners insurance — in some cases, much less. Below are the most low-cost options for homes built in 2021 .

caller average annual rate NerdWallet headliner evaluation
Travelers $ 422

4.5 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

National General $ 437

3.5 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Armed Forces Insurance $ 447

3.5 NerdWallet evaluation

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mercury $ 455

3.5 NerdWallet fink

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Oregon Mutual $ 471

3.0 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

The best California homeowners insurance for higher deductibles

One way to save money on your policy is by increasing your deductible, the amount of a claim you ’ rhenium creditworthy for paying. Below are the companies with the cheapest rates for policies with a $ 2,500 deductible .

company average annual rate NerdWallet star rate
Oregon Mutual $ 592

3.0 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Travelers $ 640

4.5 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

Allstate $ 715

4.0 NerdWallet denounce

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National General $ 729

3.5 NerdWallet evaluation

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Mapfre $ 746

3.5 NerdWallet rate

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How much is homeowners insurance in your city?

Although the average cost of homeowners insurance in California is $ 1,273 per year, that figure varies depending on where you live. You ’ ll wage a bit more in Los Angeles, for exemplify, but less in San Jose. Below are the average family insurance rates in some of California ’ s biggest cities .

City average annual rate average monthly rate
bakersfield $ 1,185 $ 99
fresno $ 1,240 $ 103
hanker Beach $ 1,229 $ 102
Los Angeles $ 1,467 $ 122
oakland $ 1,419 $ 118
sacramento $ 1,199 $ 100
San Diego $ 1,222 $ 102
San Francisco $ 1,292 $ 108
San Jose $ 1,114 $ 93

What you need to know about California homeowners insurance

Homeowners in California face singular circumstances that factor into decisions about home insurance.

Wildfires

California wildfires have caused billions of dollars of damage to homes and other buildings across the state over the past few years. Most homeowners policies cover fire and smoke damage, but insurers may be reluctant to cover those in bad areas. California ’ s insurance commissioner has issued respective moratoriums to keep insurers from dropping the policies of homeowners affected by late fires. But once those moratoriums expire, you could find yourself scrambling for coverage. If you have worry finding a policy, you can turn to the California FAIR Plan, the express ’ s insurance company of last recourse. FAIR Plan coverage is presently limited, paying only for damage due to fire, lightning, fastball and internal explosions. The insurance commissioner recently ordered the FAIR plan to offer more comprehensive coverage, exchangeable to a traditional homeowner policy. In the meanwhile, a “ deviation in conditions ” policy can help fill the coverage gaps.

Earthquakes

A standard home plate indemnity policy doesn ’ deoxythymidine monophosphate cover earthquake wrong, sol California residents should consider adding a separate earthquake indemnity policy. Homeowners can get it through a private insurance company or change state to the California Earthquake Authority for coverage.

Flooding

California is prone to flooding throughout the express, and homeowners policy won ’ thymine cover flood damage. To make sure costs related to flooding are covered, homeowners in California can purchase flood policy from the National Flood Insurance Program or a individual insurance company.

How to get cheaper California home insurance

hera are a few of the best ways to lower your homeowners indemnity bounty in California. Harden your family against wildfires. More than a twelve policy companies offer discounts for California homeowners who have made efforts to reduce the risk of arouse on their property, according to the California Department of Insurance. such efforts could include things like rebuilding your roof with fire-retardant materials and limiting vegetation near your home. Bundle your indemnity policies. many insurers offer discounts if you buy more than one policy, such as homeowners and car insurance. Learn more about bundle. patronize around. Every policy company sets its rates a bite differently, so it ’ s always worth comparing prices for homeowners insurance. We recommend getting homeowners indemnity quotes once a year from at least three companies. Make certain you ’ rhenium looking at equivalent coverage limits and deductibles to get a honest comparison. For more ideas, see how to lower homeowners policy rates.

California Department of Insurance

If you want to file a complaint against your policy company or get more information about your rights as a policyholder, the California Department of Insurance may be able to help. The department ’ second web site has useful resources such as a list of companies offering discounts to those who harden their homes against open fire. aid is available in English and spanish at 800-927-4357. Looking for extra policy in California ? frequently asked questions Is homeowners insurance required in California ? If you have a mortgage on your base, your lender will likely require hazard insurance — the share of a homeowners policy that covers the house ’ second structure. Those who buy homes with cash or have paid off their mortgage could legally go without homeowners policy. however, it ’ s a hazardous suggestion in a express prone to wildfires and other lifelike disasters . Does homeowners policy cover fire in California ? coverage for fires is a standard partially of most homeowners policies. But in California, you may have trouble oneself finding a party volition to insure you if your home is in a bad zone for wildfires. You can turn to the California FAIR Plan for fire coverage as a last fall back . Why is homeowners indemnity indeed expensive in California ? Following recent wildfires in California, insurance companies have found themselves paying billions of dollars in claims. They ’ ve responded by passing their costs along to policyholders in the form of higher rates. additionally, ostentation and provision chain issues have raised building costs across the nation. That means it would cost more to rebuild your family if it were damaged — another factor leading to higher homeowners policy prices. Is homeowners insurance required in California ? If you have a mortgage on your home, your lender will probably require hazard policy — the partially of a homeowners policy that covers the theater ’ south structure. Those who buy homes with cash or have paid off their mortgage could legally go without homeowners indemnity. however, it ’ s a hazardous suggestion in a country prone to wildfires and other natural disasters. Does homeowners insurance cover fire in California ? coverage for fires is a standard part of most homeowners policies. But in California, you may have perturb finding a company willing to insure you if your home is in a bad zone for wildfires. You can turn to the California FAIR Plan for fire coverage as a last recourse.

Why is homeowners insurance sol expensive in California ? Following holocene wildfires in California, insurance companies have found themselves paying billions of dollars in claims. They ’ ve responded by passing their costs along to policyholders in the kind of higher rates. additionally, inflation and supply chain issues have raised build costs across the state. That means it would cost more to rebuild your home if it were damaged — another gene leading to higher homeowners policy prices .

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