Popular Questions about Homeowners Insurance in California

The average annual cost for California homeowners insurance is $1,008, which is lower than the national figure of $1,211 per year. Your home insurance rates are based on various risk factors and can be quoted through a local expert to find your exact premium.

In California, there are several options when it comes to home insurance. Each limit is adjusted to your specific needs and property values. To ensure that you don't have any gaps in coverage, consult with a licensed professional for quotes.

Many of the top disasters that occur in California are not actually covered under your homeowners insurance policy. Take a peek at what's not included:

  • Floods
  • Earthquakes
  • Landslides/mudslides

Yes, California has 469 independent insurance agencies in operation today. You'll have your pick when it comes to getting the best policy for an affordable price. Each independent agent will compare coverage with dozens of carriers so that you have options.

In California, your homeowners insurance rates are calculated by using both personal data and outside risk factors. Carriers use local crime rates, natural disasters, past claims reported, coverage selection, and property values when determining your costs. Some exposures will be outside of your control, while others you can improve for better pricing.

Each state has contracted carriers that write homeowners coverage for that area. In California, Travelers, Progressive, Nationwide, and Prime insurance companies are highly rated due to their broad coverage and customer service. To find which market is right for your home, quotes are required.

Do You Know What Your California Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Chula Vista$548,4732.12$955
Long Beach$651,5634.95$897
Los Angeles$907,0523.97$1,215
San Diego$784,5772.61$887
San Francisco$1,299,0006.00$1,105
San Jose$999,3834.33$998
Santa Ana$536,7552.71$884
  1. $100
  2. Los Angeles, CA Monthly average home insurance cost
  3. Average monthly cost of home insurance in Los Angeles: $100
  4. Keep in mind, however, that homeowners insurance rates can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in your house’s construction, and the crime rate in your ZIP code.
  5. Los Angeles occasionally experiences coastal storms that can damage area homes. Keep in mind that in order to be fully covered against the damage that can occur with heavy rains, you may also need to purchase a supplemental landslide and mudslide insurance policy. A homeowners insurance policy on its own will not cover landslide damage.

  1. $74
  2. San Diego, CA Monthly average home insurance cost
  3. Average monthly cost of home insurance in San Diego: $74 
  4. Of course, San Diego is a big city, and some neighborhoods are more expensive than others when it comes to home insurance. Homeowners in Carmel Valley will pay higher average rates than those who live in Balboa Park.  
  5. What would you do if a windstorm caused a tree to fall onto your house? This could cause significant damage to your roof, siding, or windows, and could even affect the structural integrity of your house. Fortunately, when you have a solid homeowners insurance policy backing you up, do you do not need to worry about how you will be able to pay for repairs.

  1. $83
  2. San Jose, CA Monthly average home insurance cost
  3. Average monthly cost of home insurance in San Jose: $83
  4. However, what you may actually be expected to pay may differ from this amount depending on a number of factors. Your rate will be calculated according to things like the size of your house, the crime rate and weather risks in your ZIP code, your claims history, and the amount of your deductible. 
  5. Sometimes residents in San Jose experience extended power outages when heat waves cause an overload in power usage due to excessive air conditioning use. What if you had just returned from the grocery store and had a refrigerator and freezer full of food when the power went out? If the outage lasts several hours or days, your food can spoil and will need to be thrown out. Fortunately, in these cases, you may be able to be compensated for your loss by your homeowners insurance.

  1. $92
  2. San Francisco, CA Monthly average home insurance cost
  3. Average monthly cost of home insurance in San Francisco: $92
  4. Because your homeowners insurance is completely customized according to details about you and your home, your monthly premium may be higher or lower than this average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate. 
  5. San Francisco is known for its earthquake risk. Earthquakes can cause serious damage to your house and property. Unfortunately, earthquake damage is not covered by homeowners insurance, so you will need a supplemental earthquake insurance policy in order to be fully covered.

  1. $70
  2. Fresno, CA Monthly average home insurance cost
  3. Average monthly cost of home insurance in Fresno: $70
  4. Your house is not the same as every other in your ZIP code. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size and value of your home, the age of your roof, the amount of contents coverage you need, your claims history, and the size of your deductible. Your quoted rate for home insurance may therefore be higher or lower than this average.
  5. One of the most common hazards faced by homeowners in Fresno is property crime. This city, in which residents report more than 3,000 burglaries in a typical year, has one of the highest burglary rates in the state. Fortunately, your home insurance covers against property loss and damage to your house if you are the victim of a property crime like burglary or vandalism.