We obtained thousands of quotes from over about a twelve providers to determine the best homeowners policy in California for most people .
The average cost of home indemnity in California is $ 2,179 per year .

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In accession to price, we considered customer reviews and ratings, coverages, and handiness .
The best pace for typical homeowners insurance coverage we found was $1,187 per year. Price, however, is n’t the sole factor you should consider when shop for home insurance. Below, see our recommendation for the best dwelling indemnity for most Californians, plus other picks if our top option is n’t correctly for you .
Best for most people
Allstate logo
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Best for great customer serviceNationwide logo
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Best for low insurance costsTravelers logo
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Best for bundlingState Farm logo
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Other recommendations :

Best for most people: Allstate

AllstateGet a Quote Allstate ‘s combination of low-cost premiums, effective servicing and dependability make it a firm all-around option for most homeowners. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/allstate-3 ”, ” description ” : ” Allstate ‘s combination of low-cost premiums, adept serve and dependability make it a strong all-around option for most homeowners. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.allstate.com\/auto-insurance.aspx & carrier=Allstate ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” list ” : ” Allstate ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : truthful, ” claim ” : ” Allstate ” }
Allstate is our home plate indemnity company recommendation for most people in California. It offers the best overall proportion of low rates, solid customer avail and fiscal constancy. While the insurance company did n’t offer the single best feel in any of these areas, we recommend that most people take all of these factors into history when selecting an insurance company .
Allstate ‘s rates were below-average statewide, with a distinctive price of $ 1,329 per year. That ‘s $ 498 cheaper per class than we found among all insurers. The company besides has a complaint seduce of 0.79, according to the National Association of Insurance Commissioners ( NAIC ), meaning it has fewer complaints than can be expected for a company of its size. The home medial ailment sexual conquest is 1.00 .
In addition to home insurance, Allstate offers car and life indemnity. however, note that at the time of inspection, we were ineffective to get a home insurance quote in California on-line, so you may need to contact an Allstate agent to buy coverage .

Best for great customer service: Nationwide

NationwideGet a Quote Nationwide has the best desegregate of monetary value, service and coverage options among California home insurers. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/nationwide-4 ”, ” description ” : ” Nationwide has the best mix of price, military service and coverage options among California home insurers. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connection ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.nationwide.com\/ & carrier=Nationwide ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Nationwide ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” Nationwide ” }
Homeowners focused on a high-quality customer service experience should look to Nationwide. The caller has a very abject charge index from the NAIC — good 0.29. This means few customers have registered complaints against the party and suggests they tend to be happy with the company ‘s service. It besides has an A.M. Best fiscal lastingness rat of A+, meaning that it has a “ superior ” ability to pay out claims, even in cases of hapless economic climate or widespread calamity .
however, Nationwide ‘s rates are higher than average in California. We found that an modal California homeowner can expect to pay $ 2,003 per year from Nationwide, or an excess $ 176 beyond the average price we found .

Best for low insurance costs: Travelers Insurance

TravelersGet a Quote Travelers has the lowest prices of any home insurance company we looked at in California. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/travelers-2 ”, ” description ” : ” Travelers has the lowest prices of any home plate insurance company we looked at in California. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connection ” : ” hypertext transfer protocol : \/\/www.travelers.com\/ ”, ” name ” : ” Travelers ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : dependable, ” hideDisclaimer ” : false, ” hideTitle ” : genuine, ” title ” : ” Travelers ” }
Homeowners looking for low rates above all else should take a look at Travelers Insurance. Its rates were the among the absolute low we found in California, with an average annual price of $ 1,199 per year. That ‘s 34 % less than the statewide average .
The company besides has well but not great customer service reviews. Its NAIC complaint index was 0.87, meaning it had slightly fewer complaints than average among insurance companies nationwide. however, its mark was worse than the average among the top CA insurers we looked at, so consumers who prioritize a great customer military service experience above all else may want to look elsewhere .

Best for bundling: State Farm

State Farm Home InsuranceGet a Quotebundling We came away impressed with State Farm’sbenefits and on-line tools. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” chief ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/statefarm-2 ”, ” description ” : ” We came away impressed with State Farm ‘s \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root ShortcodeLink — black\ ” title=\ ” The Best Home and Auto Insurance Bundle\ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/best-home-car-insurance-bundle\ ” \u003Ebundling\u003C\/a\u003E\u003C\/span\u003E benefits and on-line tools. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” connect ” : ” hypertext transfer protocol : \/\/insurance.mediaalpha.com\/zero-click.html ? cu=https : \/\/www.statefarm.com & carrier=State % 20Farm ; V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ ”, ” mention ” : ” State Farm Home Insurance ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” State Farm Home Insurance ” }
state farm is the most popular homeowners insurance party in California, and one reason for that is that it ‘s a one-stop shop for home and car insurance. The company has a solid deduction for combining your home and car indemnity policies under one supplier. We ‘ve found that an average State Farm customer can save around 10 % on their combined home and car policy .
As the nation ‘s largest insurance company, State Farm offers a wide-eyed array of indemnity products. Besides just home plate and car policy, you can besides get life, health, disability and small-business policy. The more products you bundle, the more you ‘re probable to save .
however, it ‘s worth noting that State Farm ‘s home insurance product is n’t very compelling on its own. While rates were slenderly below-average, the company has been the submit of a reasonably high number of customer complaints to the NAIC, suggesting people tend not to be happy with the service they receive .

Best for military families: USAA

USAAGet a Quote USAA home insurance has a assortment of benefits that will appeal to California servicemembers. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” description ” : ” USAA home insurance has a variety show of benefits that will appeal to California servicemembers. “, ” details ” : [ ], ” disavowal ” : ” ”, ” featuredTitle ” : ” ”, ” connect ” : ” hypertext transfer protocol : \/\/www.usaa.com\/inet\/wc\/insurance-products ? akredirect=true ”, ” name ” : ” USAA ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : false, ” hideTitle ” : true, ” title ” : ” USAA ” }
If you or a sleep together one is in the armed forces, USAA is the best home insurance company for you. The company is well-known for its sterling customer service, and it caters to the singular circumstances of military families. For exercise, your homeowners ‘ personal property coverage applies worldwide, even in war zones, and your deductible is waived on your uniform while you ‘re on active duty .
The company besides offers a wide array of fiscal products, not limited to policy. This includes check and savings accounts, citation cards, and loans ; and the groups branches tend to be located near military installations, so soldiers have easy access to indemnity and other fiscal services .
however, the company ‘s home insurance rates are not the most competitive in California. Its annual price of $ 1,945 is slenderly above-average for the express, and well higher than we found from our most low-cost choice. additionally, all of the company ‘s services are limited to those who have served in the U.S. armed forces and their families .

Best for high-value homes: Chubb

ChubbGet a Quote Chubb specializes in high-end homes, and has coverages that should appeal to the owners of expensive properties. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/chubb-2 ”, ” description ” : ” Chubb specializes in high-end homes, and has coverages that should appeal to the owners of expensive properties. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” liaison ” : ” hypertext transfer protocol : \/\/www.chubb.com\/us-en\/ ”, ” name ” : ” Chubb ”, ” hideBanner ” : false, ” hideDescription ” : faithlessly, ” hideDetails ” : genuine, ” hideDisclaimer ” : assumed, ” hideTitle ” : true, ” claim ” : ” Chubb ” }

People with high-value homes should take a look at Chubb. The company specializes in providing gamey levels of insurance coverage for expensive and alien homes. In addition to very highly see customer serve, Chubb offers coverages like extended surrogate cost, which pays to repair or replace items if they cost more than their original prize ( such as if the price of labor has gone up ) .
Chubb offers a variety of insurance policy types in addition to home, such as car and umbrella. however, Chubb ‘s prices tend to be much higher than competitors, so homeowners looking for low-cost home policy should look elsewhere. additionally, the company typically requires that you buy a certain level of home policy, so homeowners who do n’t need a high floor of coverage may not qualify .

The insurers with the best and worst customer service reviews in California

In searching for the best policy caller in California, you should consider price, coverage options, fiscal constancy and customer service. hera, we ‘ve focused on customer serve and compiled a list of the largest homeowners policy companies in California and rated their customer serve quality through customer complaints .
By that standard, the top-rated homeowners policy companies in California are AIG, USAA and Chubb. The companies in California with the worst customer service are Homesite, AAA of Northern California and Integon .
We measured customer satisfaction using the complaint index collected from the NAIC. Customer complaints are weighted by market share, so the number of complaints is adjusted relative to the size of a company, with a medial grudge of 1.0. A lower complaint index indicates that the NAIC received fewer complaints about that company than could be expected given its size .

CA Size Rank


NAIC complaint index (lower is better)

J.D. Power satisfaction score (higher is better)

1 State Farm 1.3 3/5
2 Farmers 0.64 3/5
3 AAA of Northern California 1.56 3/5
4 Liberty Mutual 0.69 3/5
5 Automobile Club of Southern California (AAA) 0.91 4/5
6 Allstate 0.79 3/5
7 USAA 0.2 5/5
8 Mercury 1.19 N/A
9 Nationwide 0.29 3/5
10 Travelers 0.87 2/5
11 Chubb 0.23 3/5
12 AIG 0.12 3/5

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Cheapest home insurance companies in California

We gathered quotes for our sample base across every ZIP code in California from 10 of the most popular insurers in the state. Quotes from each company were averaged across California ‘s 1,832 ZIP codes to find which insurance companies had the least expensive home indemnity rates in California. The graph below shows the median annual costs to insure our sample home by company :
Cheapest Home Insurance Companies in California

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The biggest California home insurance risks: Fire, earthquake and flood

From the frequent wildfires filling newspaper headlines to predictions of impending disasters to come — like the alleged big one, the state ‘s delinquent major earthquake — California homeowners are rightly concerned about how far their policy coverage goes. Below, we explain the cardinal dangers facing California homeowners and what they can do to make certain they ‘re properly covered .

Fire insurance in California

Wildfire is a major terror to homes throughout California. Measured by structures destroyed, the November 2018 Camp Fire in Butte County was by far the most devastate in California history. The hazard of fire is at a historic high for California ‘s homeowners : 2018 and 2017 went down as the two most destructive wildfire seasons on commemorate, with seven of the 10 most destructive fires in state history occurring in the last four years .

Top 10 Most Destructive California Wildfires

Fire name


Structures destroyed

Camp Fire Nov 2018 18,804
Tubbs Oct 2017 5,636
Tunnel Oct 1991 2,900
Cedar Oct 2003 2,820
Valley Sep 2015 1,955
Witch Oct 2007 1,650
Woolsey Nov 2018 1,643
Carr Jul 2018 1,604
Nuns Oct 2017 1,355
Thomas Dec 2017 1,063

Fire damage is about always be covered by a standard homeowners insurance policy, so shopping for a separate burn policy company is normally unnecessary. however, the increased gamble of wildfires in California have led a growing numeral of insurers to stop offering coverage in areas considered to be at a high risk of fire .
If you ‘re unable to get a homeowners policy quote from a distinctive insurance company because you ‘re located in a bad area, you should talk to an autonomous indemnity agent who can help you find specialize policy companies that provide coverage in bad zones .
If all else fails, you can look to the California FAIR Plan Association for fire indemnity coverage. The FAIR Plan is a publicly supported program designed to provide coverage for homeowners who can not get policies on the private market. Note that FAIR plans are often more expensive than private market home insurance, so they should be considered as a last resort .
It ‘s besides important for homeowners to be certain that their home indemnity policy will cover them in the event of a total loss, meaning if a fire wholly burned down their house. In the November 2018 wildfires, about 40 % of claims came from policyholders who had experienced a total loss. If homeowners pick dwelling coverage limits at or above the substitute cost of their home plate, meaning the cost to wholly rebuild it, they will ensure they ‘re fully covered for a worst-case scenario .

Earthquake insurance in California

In contrast to fire damage, earthquake damage generally wo n’t be covered by homeowners policy in California. The uninsured rate in the Golden State is high : only 13 % of homeowners in the state have earthquake insurance. And the gamble is greater for those who live closer to a fault cable, where earthquake damage can be more extreme .
Compared to mandatary homeowners coverage, earthquake policy is unpopular for several reasons. First, it ‘s not required by mortgage lenders as a condition of your home loanword. Second, earthquake policy can carry premiums that are equal to or greater than the median price for a regular home policy policy .
Homeowners can purchase earthquake policy through the California Earthquake Authority ( CEA ), which sells publicly supported earthquake policies, or through secret earthquake policy companies. There are a few requirements to get CEA earthquake coverage :

  • You must already have a residential property insurance policy (homeowners, renters or condo insurance)
  • If your current residential insurance provider participates in the CEA, then you must get your CEA earthquake insurance from that same provider

Flood and mudslide insurance in California

Homeowners policy policies in California, like anywhere else, will not cover flood damage. Though California is a coastal state of matter, most flood damage to the state is due to rainfall, not the ocean, so homeowners closer to rivers are at the highest risk. Homeowners looking for flood insurance in California can obtain it from the National Flood Insurance Program, which is sponsored by the union politics, or a private flood tide indemnity company, which has the electric potential to offer cheaper rates and higher coverage limits .
Mudslides, a potentially devastate queer in California, are an interesting example of what can or ca n’t be covered by homeowners indemnity. Mudslide damage is typically not covered by homeowners policy. however, if the mudslide can ultimately but homeowners may be covered if the mudslide was caused by a cover consequence .
For exercise, wildfires in the hillsides of Montecito caused an extreme point mudslide in January 2018. The fires destroyed vegetation in the area, making it more susceptible to debris flows. Since fires are covered by homeowners indemnity, and the mudslide was ultimately attributed to the fires, indemnity companies largely agreed to cover the damage .
In fact, this precedent was made jurisprudence with a poster enacted by the California legislature late in 2018, which mandated that insurers would be liable to its policyholders for damage to a home if the initial campaign of an event — in this lawsuit, a fire — is covered in their policies. The Montecito incident illustrates why California homeowners should be mindful of the complexities of what their homeowners insurance policies will and will not cover .

Cost of insurance by city in California

If you ‘re interest in how much homeowners indemnity costs in your city, take a count at the table below. here, we ‘ve calculated the modal cost of home indemnity in the 65 cities in California with populations over 100,000. For broader context, you can besides look at our countrywide comparison of home indemnity costs .


Average cost

% Difference from average

Anaheim $1,616 -12%
Antioch $1,537 -16%
Bakersfield $1,613 -12%
Berkeley $1,966 8%
Burbank $1,746 -4%
Carlsbad $1,641 -10%
Chula Vista $2,931 60%
Concord $1,462 -20%
Corona $1,692 -7%
Costa Mesa $1,760 -4%
Daly City $1,461 -20%
Downey $1,776 -3%

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For our view, we collected homeowners policy quotes for properties in every ZIP code in California. Our sample property was built in the year 1979 and measured 2,100 square feet. The home was insured to the current median monetary value of a home in California, $ 509,400. Quotes for this home were obtained from 10 of the largest home indemnity companies in California : state farm, Farmers, AAA of Northern California, Motor Club ( AAA ) of Southern California, Allstate, USAA, Mercury, Nationwide, Travelers and Chubb indemnity companies. ( We excluded Liberty Mutual, the fourth-most popular home insurance company, from our analysis due to technical limitations. ) The rates were then averaged to arrive at an average rate for each ZIP code .
For our city-specific analysis, we chose one representative sample ZIP for each city for the 66 cities in California with a population over 100,000 .
ValuePenguin ‘s analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes entirely — your own quotes may be different .


  • California Census Data
  • Cal Fire

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