Homeowners Insurance in California

We have gathered information from around 120+ insurance firms to help you choose the most affordable home insurance rates in California.
Top 5 affordable home insurance companies in California
Homeowners insurance deductibles in California
Homeowners and auto insurance bundles in California
California homeowners insurance by city
Average homeowners insurance rates in California

Everything about homeowners insurance in California.

The average price for home insurance in California is $1,035 once a year or $80 per month — this is often 34% cheaper than the national average. TThe best way to get an inexpensive home insurance policy in California is to look at prices from as many insurance companies as possible.
Check out the average home insurance rates in California within the below data. Individual rates may vary relying on coverage options and thus the worth of the dwelling being insured.



Homeowners Insurance Rates for California

Average Monthly Premium $88.27

Compare personalized homeowners insurance quotes from multiple companies in California now




Top 5 affordable home insurance companies in California

Rates for home insurance in California differ relying on the insurance firm you opt on. Automobile provides the foremost affordable homeowners policies in California — $632 once a year.
Also this beats state's average rate of $1,030, providing a $391 discount on the average policy costs statewide. You can buy homeowners policy by checking the best California insurance firms given below.


Affordable Home Innsurance Companies In California

CarrierAverage Annual Rate in California
California Automobile$632
Travelers$765
Allstate$815
General$821
AAA$833


Average Homeowners insurance Rates - California

Homeowners insurance deductibles in California

One of the varied choices that you will make when looking at homeowners insurance policies is how high or low to line your deductible. A deductible is that the amount that a home-owner is responsible before the insurer will cover a claim. The deductible level you decide on can have a huge impact on home insurance rates. When choosing a deductible, keep in mind that the higher your deductible is, the lower your premiums are getting to be . Therefore, if you are looking for lower home insurance prices, you’ll want to keep your deductible higher. Remember that your deductible shouldn't be set at an amount that you would have difficulty paying in the event of a loss.


Homeowme Insurance rates by deductible tier in California

Deductible LevelAverage Annual Home Insurance Rate
$500$950
$1,000$853
$1,500$804
$2,000$722
$5,000$606


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Homeowners and auto insurance bundles in California

If you'd wish to save many on insurance, consider purchasing your home and automobile policies from the same insurance company . A car insurance and residential insurance bundle in California can cause substantial savings on your auto insurance bill. Bundling policies in California leads to a yearly discount of $215.


Home And Auto Insurance Bundling Savings In California

Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)
$1,810$1,614




California homeowners insurance by city

Not every cities in California have the same home insurance prices. Policy rates depends on locally specific variables just like the amount of claims filed nearby, giving your zip code helps choose how much you pay.The cheapest home insurance in California is found in Oxnard. the typical home policy in Oxnard costs $723 once a year — $301 less than the statewide average. The below cities have the foremost affordable homeowners insurance in California.



Average homeowners insurance rates in California

The amount you select for homeowners coverage has an impact on the insurance premiums you pay. In California, maintaining $110K dwelling coverage costs an average of $405 once a year , while carrying dwelling coverage up to $410K costs $1,290 once a year .


Homeowners Insurance Rates In California — Common Coverage Limits

Coverage LevelAverage Annual Rate
Oxnard$720
Fremont$811
San Diego$811
San Jose$822
Modesto$845
$100,000 Dwelling$403
$200,000 Dwelling$720
$250,000 Dwelling$852
$400,000 Dwelling$1,290
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