California Homeowners Insurance

What You Need to Know About California Homeowners Insurance

Find the right homeowners insurance policy for you.

Since home values are higher than average in The Golden State, you might assume that California homeowners insurance quotes are much higher than in other states. However, the mild California climate brings fewer risks to homes and properties than more severe climates in other states.

A local Trusted Choice® independent agent can help clients compare California home insurance quotes from multiple insurers. Agents can also explain policy options and provide support after a policy is purchased.

  • National yearly premium average: $1,132
  • California yearly premium average: $974
  • 31st most expensive premium in the US.

These figures compare California homeowners insurance rate averages to the entire country and are on par with the US average.

Consider some common threats in The Golden State to understand California rates and coverage better.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Number of Catastrophes in California

  • National number of catastrophes: 19,033
  • Number of catastrophes in California: 78
  • National number of tornadoes: 1,233
  • Number of tornadoes in California: 13
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in California: $126,830,000

Several California wildfires have been severe and made national news. Beyond wildfires, however, the risk of many other natural hazards is fairly low. Of course, the exact location of your home in this large and diverse state will affect the risks to your own house and property.

It may be possible to reduce the risk of certain hazards, such as fires, by installing home alarm systems. However, no California homeowner can prevent all catastrophes, which is why adequate homeowners insurance is essential.

Number of Thefts in California

  • National average for burglaries: 37,814
  • California number of burglaries: 232,058

The average rate that burglaries occur in California is high when compared to the national average. Consider this as you look to purchase homeowners insurance.

Many California homeowners insurance companies will encourage their clients to install a good burglar alarm system to prevent most thieves. Good home insurance will protect what an alarm cannot prevent.

Where Can Californians Find Great California Home Insurance Quotes?

Several insurers compete for the business of state residents. A local Trusted Choice member agent can help you find the right policy options at good prices for your house and property. Agents will shop around for you to find the best coverage that will fit your needs and budget.

Californians need to protect their valuable property and houses. Finding the best coverage at a reasonable price can be a very complex task. A good agent can make this job a lot simpler.

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