Find the best home and flood insurance companies in your area, learn about the average cost of home insurance where you live, and more with our ultimate guide to home insurance in California.
Learn more about home insurance in California
Latest on California's home insurance crisis
With insurance companies limiting their coverage or leaving California by the day, it can be difficult for consumers to track which insurance options are (and aren't) available. To help California homeowners navigate this complex situation, we put together a roundup of the latest and most pressing insurance news from across the state.
Court rules in favor of expanding the California FAIR Plan (11/29/2023). The CA FAIR Plan may soon offer more comprehensive homeowners insurance to its more than 300,000 policyholders after a state judge ruled in favor of revising the plan to include coverage for theft, water damage, liability, and more. If the FAIR Plan association decides not to appeal this latest ruling, the changes could go into effect as soon as next year.
Safeco to drop policies in Bay Area (8/4/2023). Safeco Insurance announced they were dropping 950 policies in San Francisco and the East Bay.
Farmers Insurance limits new home insurance policies (7/10/2023). Farmers Insurance announced that it was placing a cap on new policies in California.
Allstate no longer selling new policies (6/4/2023). Allstate, California's fourth-largest home insurer, announced they were no longer writing new policies in the state, though they will continue to renew existing policies.
State Farm no longer selling new policies (5/26/2023). State Farm, California's largest home insurance provider, announced it would stop writing new policies. State Farm said they will continue to issue renewals to their existing customers.
AIG no longer selling or renewing policies due to wildfire risk (1/31/2022). While it's pulling its admitted lines from the state, it will still be writing wildfire excess & surplus policies through its other subsidiaries.
Chubb no longer selling or renewing policies in areas of the state too at risk (11/27/2021). The insurer's top executive stated the reasoning for pulling back on writing new policies in wildfire-prone areas is that it can't get sufficient rate increases to balance out the risk.
California homeowners can use Policygenius to compare home insurance quotes from several companies, including the CA FAIR Plan, Universal Property, and Bamboo Insurance.
And you can stay up to date on which companies are still writing policies in California with our Home Insurance Availability Guide for States in Crisis.
Best California home insurance company reviews
Company | Average annual cost | |
$1,174 | ||
$1,445 | ||
$1,151 | ||
$1,192 | ||
N/A |
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Find the best home insurance companies in your city
City | Average annual cost | |
|---|---|---|
$1,566 | ||
$1,237 | ||
$1,333 | ||
$1,244 | ||
$1,258 |
