California Home Insurance Quotes
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Call Us Now: Finding competitive, low cost Home Insurance quotes in California just got a whole lot easier. At HomeInsurance.com, you can fill out one form and get multiple quotes. Get a new, low rate on comprehensive California home insurance coverage. Rest assured knowing our team of California licensed insurance consultants are standing by to give you top notch advice to coverages and rates in your area.
Our team of licensed agents will shop for your California home insurance policy and help you get the best rate on the most comprehensive coverage. You'll get access to bundle discounts and apples-to-apples comparisons for multiple CA insurance providers.
Get the Best Home Insurance Rates in CA
Homeowners insurance premiums in California were around $739.00 in April of 2013 when they decreased from $746 in March. These rates 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 Premiums for Home Insurance In California |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 2012 |
| $739.00 | $746.00 | $758.00 | $771.00 | $786.00 |
There are a lot of discounts for California homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their California Home insurance policies. You can also save money if you've got a security system installed or if you've filed no claims on previous insurance. The Insurance Information Institute recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything. One of our experts can not only find you coverage at a low price, but discounts you may not get otherwise.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to get California home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your CA policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in California are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in California by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
| Home 1 | Home 2 | Home 3 | Home 4 | Home 5 | |
|---|---|---|---|---|---|
| Premium Amount | $886 | $714 | $881 | $595 | $573 |
| Premium with Auto Discount | $753† | $714 | $881 | $595 | $487† |
| Carrier | Safeco | Safeco | Foremost | Safeco | Safeco |
| Zip | 92236 | 92592 | 92504 | 95661 | 95843 |
| Year Built | 1998 | 2003 | 2001 | ||
| Foundation type | Slab | Slab | Slab | ||
| Lot Size | N/A | N/A | N/A | N/A | N/A |
| Square Feet | N/A | N/A | N/A | N/A | N/A |
| Bedrooms | N/A | N/A | N/A | N/A | N/A |
| Bathrooms | N/A | N/A | N/A | N/A | N/A |
| Discounts | | | | | |
| Primary Heat Source | Central Gas | Central Gas | Central Gas |
Standard California Home Insurance Coverages
| A | Dwelling: A standard California homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard California home insurance policy |
| C | Contents/Personal Property: A California home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your California home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In California, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or California MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
California Homeowners Insurance News
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California tops the nation in dog bite claimsThursday, May 17, 2012
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Groups join up to increase earthquake awarenessFriday, April 06, 2012
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California homeowner hopes mutual aid agreement will lower insurance costsThursday, March 22, 2012
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California reviewing force-placed home insurance ratesFriday, March 16, 2012
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California residents say new fire maps could result in higher ratesMonday, March 05, 2012
Other California Homeowners Resources:
- Home Insurance Quiz- How much do you know about your California home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in California
- California Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your California county:
- Alameda
- Alpine
- Amador
- Butte
- Calaveras
- Colusa
- Contra Costa
- Del Norte
- El Dorado
- Fresno
- Glenn
- Humboldt
- Imperial
- Inyo
- Kern
- Kings
- Lake
- Lassen
- Los Angeles
- Madera
- Marin
- Mariposa
- Mendocino
- Merced
- Modoc
- Mono
- Monterey
- Napa
- Nevada
- Orange
- Placer
- Plumas
- Riverside
- Sacramento
- San Benito
- San Bernardino
- San Diego
- San Francisco
- San Joaquin
- San Luis Obispo
- San Mateo
- Santa Barbara
- Santa Clara
- Santa Cruz
- Shasta
- Sierra
- Siskiyou
- Solano
- Sonoma
- Stanislaus
- Sutter
- Tehama
- Trinity
- Tulare
- Tuolumne
- Ventura
- Yolo
- Yuba
Customer Reviews in California
For additional information about specific insurance laws in California, visit the California Department of Insurance website.
