Finding competitive, low cost homeowner 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 on home owners insurance coverages and rates in your area.
The average California homeowner insurance rate in September 2009 was $676.00. It appears that rates have increased since August 2009 when average rates in California were around $671.00.
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on your California homeowners insurance. Be sure to review your home insurance policy with your local California insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your California homeowner insurance policy to be sure you are still getting the coverage you need for your home and family.
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. |
Other California Homeowners Resources:
- Home Insurance Quiz- How much do you know about your California home insurance policy? Quiz yourself!
- home owners 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:
- Yuba
- Yolo
- Ventura
- Tuolumne
- Tulare
- Trinity
- Tehama
- Sutter
- Stanislaus
- Sonoma
- Solano
- Siskiyou
- Sierra
- Shasta
- Santa Cruz
- Santa Clara
- Santa Barbara
- San Mateo
- San Luis Obispo
- San Joaquin
- San Francisco
- San Diego
- San Bernardino
- San Benito
- Sacramento
- Riverside
- Plumas
- Placer
- Orange
- Nevada
- Napa
- Monterey
- Mono
- Modoc
- Merced
- Mendocino
- Mariposa
- Marin
- Madera
- Los Angeles
- Lassen
- Lake
- Kings
- Kern
- Inyo
- Imperial
- Humboldt
- Glenn
- Fresno
- El Dorado
- Del Norte
- Contra Costa
- Colusa
- Calaveras
- Butte
- Amador
- Alpine
- Alameda
For additional information about specific insurance laws in California, visit the California Department of Insurance website.
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