California Homeowners Insurance Quotes
Finding the best California homeowners insurance quotes isn't impossible. In fact, when you use HomeownerInsurance.com it's actually easy! When you fill out the quick quote form above, our team of licensed agents will provide you with multiple quotes from top carriers, and help you choose the best policy to fit your unique insurance needs.
Whether you live Los Angeles, Sacramento or San Diego, we’ll make sure you have the peace of mind coverage you deserve – at a great price. Getting a good price for homeowners insurance can be especially important if you live in San Francisco, one of the most expensive places to live in the U.S., according to ABC News.
California homeowners insurance quotes: The latest
Wondering what you might pay for a California homeowners insurance premium in Oakland or another CA city? Check out the details of the last five policies written in California by HomeownersInsurance.com agents. Don't forget that premiums vary according to different factors including square footage and location.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$550†||$662†||$437†||$493†||$550†|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Electric||Central Electric||Central Gas||Central Gas|
Ready for some quotes of your own? Get started by entering your ZIP code in the form above or call us directly at 1-877-919-2740 to get California homeowners insurance quotes tailored to your needs.
Home insurance premiums in California
Homeowners insurance premiums in California were around $546.00 in October of 2015 when they decreased from $547 in September. These values reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average California homeowners insurance rates are constantly changing, which means you must track what you're paying and any available ways to save even more. Did you know that bundling your home and auto insurance policies with one provider could save you up to 20%? Or that by simply having a security system in your home can warrant savings up to 10%? Call our licensed agents today and ask about what other discounts are available.
Standard California homeowners insurance coverage
When it comes to California homeowners insurance, most residents think of dwelling coverage the part of a policy that covers the structure of the home from perils such as wind and fire. But there's more than that to standard policies. The following coverages typically are offered:
- Personal Liability Protection: Offers help if someone other than you or a family member is injured on your property and plans to sue.
- Medical Payments: If someone other than you or a family member is injured on your property and decides not to sue, medical payments coverage offers reimbursement for medical payments.
- Other Structures: A standard California homeowners insurance policy would include this coverage for structures on your property besides your home such as a detached garage or fence.
- Contents/Personal Property: Protects the personal property inside your home such as electronic and furniture. You may need to purchase extra coverage for collectibles, art or expensive jewelry. This coverage helps if you're the victim of theft. Among larger California cities, Oakland and Sacramento have burglary rates that exceed the national average, according to the 2012 FBI Report on Offenses Known to Law Enforcement. Long Beach and San Jose have rates below the national average.
- Loss of Use: This coverage will pay for alternative accommodations and living expenses if you're unable to live in your home due to damage caused by a covered peril.
Don't settle for "shaky" coverage in California
The Golden State has breathtaking coastline, the rolling hills of wine country, and snowcapped mountain peaks. But the beautiful state of California also experiences earthquakes, which aren't covered by standard home insurance policies. According to the California Department of Conservation, each year California generally gets two or three earthquakes large enough to cause moderate damage to structures. Los Angeles and San Francisco are both considered to be seismic hot spots, according to the U.S. Geological Survey. If you are a California resident then you should consider adding coverage to protect your home from earthquakes. To learn more about earthquake insurance and earthquake preparedness visit the California Earthquake Authority website.
Flooding, like earthquakes, is another peril not typically covered by standard homeowners policies. If you want flood coverage you'll have to purchase a separate flood policy through the National Flood Insurance Program. No matter if you live in San Jose or Long Beach, all homeowners should consider flood insurance. Disasters like Superstorm Sandy prove that you don't have to live in a flood plain to be hit by a flood. Make an informed decision and learn more about the National Flood Insurance Program.
Not sure what perils are covered in your policy? It's always a good idea to review your policy and reference it whenever a question arises. Keep in mind, you can always make an adjustment in coverage to make sure your home sweet home is fully protected.
For additional information about specific California homeowners insurance laws and regulations, visit the California Department of Insurance website.
|Irvine||La Jolla||Lakewood||Loma Linda|
|Long Beach||Los Angeles||Maywood||McClellan|
|Modesto||Montebello||Monterey Park||Mountain View|
|Sacramento||San Diego||San Francisco||San Jose|
|San Leandro||San Lorenzo||San Luis Obispo||San Mateo|
|Santa Barbara||Santa Clara||Santa Fe Springs||Seaside|
|South Pasadena||Sunnyvale||Union City||Victorville|
|West Covina||West Hollywood|