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California Home Insurance Quotes

Average home insurance rates, coverage and discounts information in California.

Compare and save on
California home insurance today.

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Year Built:
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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
Apr 2013Mar 2013Feb 2013Jan 2013Dec 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 1Home 2Home 3Home 4Home 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
† Estimate if the homeowner had bundled coverages.

Standard California Home Insurance Coverages

Coverage
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.

Other California Homeowners Resources:

Search for home insurance in your California county:

Customer Reviews in California

The top customer reviews on HomeInsurance.com service and savings in California.
4 Star Rating
Savings: $400/year
Customer: Natalya D.
Date: Jan 13, 2012
Customer service was great! The agent was very helpful and found the policy that was tailored to my needs.
Milpitas, CA
5 Star Rating
Savings: $480/year
Customer: Keri C.
Date: Jan 13, 2012
Great service. Everything was explained very well and I feel I got the best policy for my money!
El Dorado Hills, CA
5 Star Rating
Savings: $400/year
Customer: Steven F.
Date: Jan 13, 2012
I thought I was already with the lowest carrier around, yet I saved another $400/yr, and have the convenience of having all my home and auto policies with one company. The agent at HomeInsurance.com was very knowledgeable, personable, and quick. What a pleasure!
Palm Desert, CA
4 Star Rating
Savings: $2000/year
Customer: Janet K.
Date: Sep 21, 2010
Extremely pleasant and sincere salesman. Speedy service.
San Francisco, CA
4 Star Rating
Savings: $234/year
Customer: Linda G.
Date: Aug 05, 2010
I didn't expect to change my insurance but the agent was so helpful and the savings were so great that I did!
Vacaville, CA
4 Star Rating
Savings: $434/year
Customer: Gloria H.
Date: Jul 22, 2010
So easy and saved some money all at the same time.
Bakersfield, CA
4 Star Rating
Savings: $167/year
Customer: Judy S.
Date: May 18, 2010
Thank you for saving me money and making the entire process very simple and headache-free!
Palmdale, CA
4 Star Rating
Savings: $1200/year
Customer: Amanda L.
Date: Apr 19, 2010
Fast and reliable. Very good customer service! :)
Corona, CA
4 Star Rating
Savings: $600/year
Customer: Alison C.
Date: Jan 08, 2010
I got incredible customer service AND saved almost $600 year.
Freedom, CA
4 Star Rating
Savings: $500/year
Customer: Bridget S.
Date: Nov 22, 2009
You saved me over $500.00. Thank you so much!
Agoura Hills, CA
4 Star Rating
Savings: $839/year
Customer: Gilbert A.
Date: Sep 07, 2009
Very satisfied with the service!
Salinas, CA
4 Star Rating
Savings: $100/year
Customer: Marie R.
Date: Sep 03, 2009
Excellent customer service.
San Diego, CA
4 Star Rating
Savings: $675/year
Customer: Patricia C.
Date: Aug 20, 2009
I have only good things to say, service was very good and professional. I will refer this service to everyone I know. Keep up the good work. In this economy great and professional service is hard to find.
Los Angeles, CA
4 Star Rating
Savings: $148/year
Customer: Tanisha M.
Date: Jul 31, 2009
Awesome, prompt service!
Bakersfield, CA
4 Star Rating
Savings: $1376/year
Customer: Heather A.
Date: Jun 17, 2009
Your agent was very helpful, very friendly and I was plesantly surprised. I really worked with our prior insurance company without success and was so pleased with the service you provided. I am so glad I switched and nice to know large reputable insurance companies offer coverage I can afford.
Ladera Ranch, CA
4 Star Rating
Savings: $509/year
Customer: Kirsten B.
Date: May 22, 2009
Fast and efficient. Plus great savings.
San Jose, CA
4 Star Rating
Savings: $839/year
Customer: Regina J.
Date: Apr 10, 2009
Fast, efficient, saved lots of money...what I needed today.
Los Angeles, CA
4 Star Rating
Savings: $250/year
Customer: Wolfgang S.
Date: Apr 09, 2009
Very good experience.
Fullerton, CA
4 Star Rating
Savings: $1248/year
Customer: Joyce S.
Date: Apr 07, 2009
I can't believe I saved this much money rewriting two policies! Thank you so much!
Modesto, CA
4 Star Rating
Savings: $250/year
Customer: Robert J.
Date: Apr 07, 2009
Makes purchasing homeowners & auto insurance easy.
Granite Bay, CA

For additional information about specific insurance laws in California, visit the California Department of Insurance website.

Call now and speak to a licensed agent: 1-877-919-5198