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Earthquakes. Wildfires. Floods. California has its share of natural disasters, which means it’s important to find the best homeowners insurance to cover your home.
The average cost of homeowners insurance in California is $1,300 per year, or $108 per month. That’s less than the national average of $1,820. NerdWallet analyzed rate and policy information from several companies to determine the cheapest and best insurance options in California.
Note: Due to underwriting practices and market volatility, some companies in this article may no longer write new policies in your area.
The best homeowners insurance in California
Looking for a policy from a well-rated national brand? Consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.
More about the best home insurance companies in California
See more details about each company to help you decide which one is best for you.
Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.
Some Farmers policies also come with perks that can save you money. For example, with claim forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.
Learn more with our Farmers homeowners insurance review.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
California homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.
Learn more with our Chubb homeowners insurance review.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
Learn more in our Travelers homeowners insurance review.
Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup, identity theft and stronger materials to replace your roof.
The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes.
Learn more with our Nationwide homeowners insurance review.
Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyberattacks or certain types of water damage.
Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home, installing a centrally monitored alarm system or going a certain amount of time without filing a claim.
Learn more with our Cincinnati Insurance homeowners insurance review.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a “replacement cost” basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
Learn more in our USAA homeowners insurance review.
How much does homeowners insurance cost in California?
The average cost of homeowners insurance in California is $1,300 per year, or about $108 per month.
That’s 29% less than the national average of $1,820.
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Los Angeles is $1,645 per year, while Sacramento homeowners pay $1,170 per year, on average.
Average cost of homeowners insurance in California by city
Average annual rate
Average monthly rate
The cheapest home insurance in California
Here are the insurers we found with average annual rates equal to or below the California average of $1,300.
NerdWallet star rating
Average annual rate
Auto Club of SoCal (AAA)
*USAA homeowners policies are available only to active military, veterans and their families.
What you need to know about California homeowners insurance
Homeowners in California face unique circumstances that factor into decisions about home insurance.
California wildfires have caused billions of dollars of damage to homes and other buildings across the state over the past few years.
More than a dozen insurance companies offer discounts for California homeowners who have made efforts to reduce the risk of fire on their property, according to the California Department of Insurance. Such efforts could include things like rebuilding your roof with fire-resistant materials and limiting vegetation near your home.
Most homeowners policies cover fire and smoke damage, but insurers may be reluctant to cover those in high-risk areas. California’s insurance commissioner has issued several moratoriums to keep insurers from dropping the policies of homeowners affected by recent fires. But once those moratoriums expire, you could find yourself scrambling for coverage.
If you have trouble finding a policy, you can turn to the California FAIR Plan, the state’s insurer of last resort. FAIR Plan coverage is currently limited, paying only for damage due to fire, lightning, smoke and internal explosions.
The insurance commissioner has ordered the FAIR Plan to offer more comprehensive coverage, similar to a traditional homeowners policy, but the change has been tied up in litigation. In the meantime, a “difference in conditions” policy can help fill the coverage gaps. An independent insurance agent can help you find one.
Learn how to protect your home from climate change, including wildfires.
A standard home insurance policy doesn’t cover earthquake damage, so California residents should consider adding a separate earthquake insurance policy. Homeowners can get one through a private insurer or turn to the California Earthquake Authority for coverage. Read our guide to earthquake insurance.
California is prone to flooding throughout the state, and homeowners insurance won’t cover flood damage. To cover costs related to flooding, homeowners can purchase flood insurance from the National Flood Insurance Program or a private insurer.
California Department of Insurance
If you want to file a complaint against your insurance company or get more information about your rights as a policyholder, the California Department of Insurance may be able to help. The department’s website has useful resources such as a home insurance finder tool and a list of companies offering difference in conditions policies. Assistance is available in English and Spanish at 800-927-4357.
Looking for more insurance in California?
NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.