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California Home Insurance

California home insurance protects your home investment. When you purchase a home with a mortgage loan, the bank will require you to carry California home insurance. California homeowners insurance is not required by the state, but even the most basic policy protects your property from damages caused by fire, high winds, hail, aircraft, vehicles, smoke, vandalism, theft, and volcanic eruption.

Factors Considered When Determining Your California Home Insurance Rate

When evaluating a California home insurance quote, keep in mind that many factors can impact the cost of California home insurance. The cost of homes can have a significant impact on the California home insurance rate. For instance, a home insurance policy in San Jose (one of the booming housing markets) could triple a home insurance policy on a similar home in Wisconsin. In the coastal state of California, weather can be a major factor in determining the cost of your California home insurance. California home insurance policies do not cover damages caused by mudslides or flooding by default, which can be quite common in some areas. For this reason, it is important to look at the “exclusions” section of your policy to see what is not covered. Also, wildfires are common in many areas, so the price of your California homeowners insurance can skyrocket if you live in an area rampant with fires. An additional consideration is whether your situation contains elements that would designate your insurance as high risk home owner insurance.

Compare California Home Insurance Rates and Fees

In Woodland Hills, Los Angeles, a new home worth $120,000 would cost $335.00 annually to insure through one insurer, while the same home would cost $601.00 insured through another insurer. For this reason, it pays to shop around for better rates on your California home insurance. Many homeowners seek to reduce their premiums by increasing security, adding burglar systems and deadbolts to their properties. Some homeowners find that insurance companies offer discounts when you purchase both your home and property policies through them. Whatever you do, you can save money on your California homeowners insurance if you try.

California Department of Insurance

California Department of Insurance
Consumer Services Division
300 South Spring Street, South Tower
Los Angeles, CA 90013

800-927-HELP (4357) (Calling from within Ca.)
213-897-8921 (Outside California)


For other California Insurance Resources, See:


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