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.
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.
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.
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.
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.