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California Homeowners Insurance Quotes

California has it all, some of the best cities on the planet, beautiful beaches and landscapes that will take your breath away. While the scenery is top notch in the Golden State, our residents are what make this an extra special place to live, we have some of the friendliest people in the world calling California home.

California is third largest state in the country and our miles of shoreline, redwood forests and cultural meccas draw visitors and new residents by the thousands each year. Whether you decide to settle down in a major city like Los Angeles and San Francisco or a smaller locale like Mendocino, living in California is like living in paradise.

California Facts

California is the most populous state in the country and over 38 million people call it home. In fact, one out of every eight U.S. citizens lives in the Golden State. California contains two of the most populous statistical area's in the country, the Greater Los Angeles area is number two and the San Francisco Bay Area is number five. It doesn't stop there, California has 8 of the 50 most populated cities in the U. S.

Luckily California is also home to tons of housing options. Everything from low cost apartments to multi-million dollar homes are available in cities such as San Bernardino, San Diego or Fort Bragg.

California has a median household income of $57,287 a year, which makes it number 10 in the country. Incomes, and the cost of living can vary dramatically across the state. While some areas can be costly, others are extremely affordable.

According to Zillow, the median home value in California is a fairly pricey $436,600 that is a 6.7 increase over last year. The prediction is that prices will be headed up 2.2 percent next year so now is a great time to get into the market. While the median home price is fairly high, there are a number of very affordable areas. Sacramento has a reasonable median home price of $259,900 and Fresno is a bargain at $177,000.

Homeowers Insurance in California

California ranks pretty well when it comes to the cost of homeowners insurance. The Golden State ranks 17th with a median price for of roughly $800 per year.

Bundling policies is an excellent way to drive down the costs of your homeowners premium. Insuring your car and home with the same insurer can save up to 20 percent on your premium. Shopping your coverage will help you find the best deal on insurance and our site can help you with that task. We compare multiple carriers at once and the service is always free and convenient.

Factors to Consider in California

Earthquake damage is not covered by a standard homeowners policy. Because California is prone to shakes and quakes, it is advisable to purchase a separate earthquake policy. Prices will vary depending on where you decide to live but you should absolutely consider this coverage to protect your home.

Fires can be another destructive force that Californians have to deal with on a regular basis. They can be an issue in both large cities such as Oakland or small north coast communities like Klamath.

While damage from smoke and fire is covered by a standard policy, documenting your possessions can be key to making sure you are fully paid in the event of a total loss. Using an app can help speed up the home inventory process dramatically. You can enter information directly on your phone and even attach a photo.

In addition to natural disasters, crime rates will have an affect on homeowner premiums. According to Federal Crime statistics, California ranks 14th in the country's most dangerous states with Oakland being the most dangerous city in our fair state.

Check crime rates in any area that you are considering and have your agent run an insurance quote so there are no surprises when its time to close on your new house.

Local California Home Insurance Rates

San Francisco, CA Homeowners Insurance - Average Rates - $947/yr.

Recently quoted homes in San Francisco CA

Check out our recent homeowners in San Francisco, CA, competitive rate of $947 per year. Average rates range from $697 to $1247. See details on average rates within the city of San Francisco. - Get San Francisco Home Insurance Quotes! or Give us a call now at 1-855-976-2656

San Diego, CA Homeowners Insurance - Average Rates - $969/yr.

Recently quoted homes in San Diego CA

Check out our recent homeowners in San Diego, CA, competitive rate of $969 per year. Average rates range from $719 to $1269. See details on average rates within the city of San Diego. - Get San Diego Home Insurance Quotes! or Give us a call now at 1-855-976-2656

Average Homeowners Insurance Premiums in CA

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what CA homeowners are paying on average. Did you know that the average homeowners insurance premium in CA is $1241? CA is now ranked 24 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in CA is 5.34% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1241 (5.4%)$ 10324
2019$1177 (9.7%)$ 9828
2018$1073 (6.25%)$ 8931
2017$1008 (0.8%)$ 8432
2016$1000 (1.41%)$ 8332

When we combine the state averages over the last decade, the CA overall average is estimated to be around $1,115.73. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. CA current state rank compare to the rest of the country is #24. Consider shopping your CA home insurance with us so we can help you save up to 40% or more on your policy.

CA Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • 2023 – California’s recent storms – Is my home covered by insurance? Posted on Tuesday 10th January, 2023

    California has recently been hit by a shocking amount of punishing winter weather that has triggered flooding as well as mudslides across vast areas of the state. The weather has led to evacuation orders as well as damaged homes. Unfortunately, for many homeowners, the damage may not be covered by their homeowners insurance.   In most […]

  • 2022 Future Housing Market Preview by Fed Chairman Powell Posted on Friday 1st July, 2022

    Many of us are concerned about how the housing market will fare as interest rates head up and a looming recession takes hold. Will home values crash as they did during the Great Recession or will they simply stop rising and settle in at their current values.  While no one can predict the future, Fed […]

  • Homeowners Prepare for Rate Increases Later This Year Posted on Monday 27th June, 2022

    In most states, home insurance rates are headed up this year and homeowners should be prepared for further rate increases before the end of the year. According to a recent S&P Global Market Intelligence report, over 177 insurance carriers have filed requests for rate increases in 43 states, Arizona alone has seen 34 rate increase requests. […]

CA Housing & Real Estate Data

Details:Staticstics
Total Housing Units13680081
Occupied Housing Units12577498
Vacant Housing Units1102583
Vacant Housing Units for Rent374610
Vacant Housing Units Rented Not Occupied20347
Vacant Housing Units For Sale154775
Vacant Housing Units Sold Not Occupied34288
Vacant Housing Units For Seasonal Occasional Use302815
Vacant Housing Units All Other Vacants215748
Housing Units Homeowner Vacancy Rate Percent2.1
Housing Units Rental Vacancy Rate Percent6.3
Housing Tenure Occupied Units12577498
Housing Tenure Occupied Units Owner Occupied7035371
Housing Tenure Occupied Units Owner Occupied Population20742929
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.95
Housing Tenure Occupied Units Renter Occupied5542127
Housing Tenure Occupied Units Renter Occupied Population15691211
Housing Tenure Occupied Units Renter Occupied Average Household Size2.83

Understanding CA Homeowners Insurance

When shopping for CA homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for CA renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in CA, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different CA rates and coverage options.