California Home Insurance Quotes

California home insurance coverage and rates information.

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Finding competitive, low cost home insurance quotes in California does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a 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.

Homeowners insurance premiums in California were around $795.00 in September of 2011 when they increased from $791 in August. 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
Sep 2011Aug 2011Jul 2011Jun 2011May 2011
$795.00$791.00$784.00$779.00$777.00

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 homeowners insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also 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.

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:

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Customer Reviews in California

The top 20 customer reviews on HomeInsurance.com service and savings in California.
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
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: $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.

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