California Home Insurance
Protect your most valuable asset with comprehensive coverage, including Guaranteed Replacement Cost — so you can rebuild without worry.
Trusted by 523+ California homeowners
Core Coverage Options
Four pillars of protection for your California home.
Dwelling Coverage
Covers repair or rebuild costs for your home's structure — walls, roof, built-in appliances, and attached structures.
Personal Property
Protects your belongings — furniture, electronics, clothing, and more — even when away from home.
Liability Protection
Covers legal expenses and damages if someone is injured on your property or you accidentally damage someone else's property.
Additional Living Expenses
Pays for temporary housing, meals, and other costs if your home is uninhabitable after a covered loss.
Choose Your Perks
Enhance your home protection with valuable policy add-ons.
Guaranteed Replacement Cost
Rebuilds your home to its original condition even if costs exceed your policy limit — the ultimate protection against rising construction costs.
Declining Deductibles
Your deductible decreases each year you remain claim-free, rewarding you for responsible homeownership.
Multi-Policy Discount
Bundle your home and auto insurance for significant savings — up to 20% off your combined premiums.
Claim Forgiveness
Your first claim won't raise your premium. One accident shouldn't cost you years of higher rates.
Claim-Free Discount
Stay claim-free and watch your premiums decrease over time with increasing loyalty discounts.
What's Covered & What's Not
Standard homeowners insurance covers many common perils. Here's what to expect.
Covered Perils
Typically Not Covered
Separate policies or endorsements are available for earthquake, flood, and sewer backup coverage.
Factors Influencing Your Home Insurance Cost
Understanding what affects your premiums helps you find the best rate for your California home.
Key Cost Factors
Home Value & Size
Larger, more valuable homes cost more to rebuild and insure.
Location & Fire Zone
Proximity to fire stations, wildfire zones, and flood plains affect rates significantly in California.
Age & Condition
Older homes with outdated wiring, plumbing, or roofing may have higher premiums.
Roof Type & Material
Fire-resistant roofing materials like tile or metal can lower your premium in California.
Security Systems
Burglar alarms, smoke detectors, and smart home devices can earn you discounts.
Claims History
Previous claims on the property or by you as a homeowner can increase rates.
Serving California Homeowners Statewide
From coastal properties in Southern California to mountain homes in the Sierra Nevada, we provide comprehensive home insurance coverage across every California community.
Los Angeles Area
Comprehensive coverage for LA's diverse homeowners market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Get Your Free California Home Insurance Quote
Fill out the form and our California-based team will respond within 24 hours with a personalized home insurance quote.
Quick response — no waiting for callbacks
Compare rates from multiple A-rated carriers
Bundle home + auto for even bigger savings
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We follow strict California privacy laws and never share your details with third parties.
Get Your Free California Home Insurance Quote
Frequently Asked Questions
Is home insurance required in California?
While California law doesn't require homeowners insurance, your mortgage lender almost certainly does. Even without a mortgage, home insurance is essential for protecting your largest financial asset from fire, theft, liability claims, and other perils.
Does standard home insurance cover earthquakes in California?
No. Earthquake damage is excluded from standard homeowners policies. You need a separate earthquake policy, which is available through the California Earthquake Authority (CEA) or private insurers. Given California's seismic activity, we strongly recommend adding earthquake coverage.
What is Guaranteed Replacement Cost and why does it matter?
Guaranteed Replacement Cost means your insurer will pay to rebuild your home to its original condition, even if the cost exceeds your policy limit. This is critical in California where construction costs can surge after widespread disasters like wildfires. Without it, you could face a significant shortfall.
How do California wildfires affect my home insurance?
If your home is in a high-risk wildfire area, you may face higher premiums or difficulty finding coverage. We work with multiple carriers, including the California FAIR Plan as a last resort, to ensure you get coverage. Creating defensible space around your home and using fire-resistant materials can help reduce your rate.
What is the California FAIR Plan?
The FAIR Plan is California's insurer of last resort for homeowners who can't get coverage in the private market, typically due to wildfire risk. It provides basic fire coverage. We can supplement a FAIR Plan policy with a Difference in Conditions (DIC) policy for broader protection.
How can I lower my home insurance premium?
Bundle home and auto policies, increase your deductible, install security systems and smoke detectors, upgrade your roof to fire-resistant materials, maintain a claim-free record, and ask about available discounts for seniors, new homes, or renovated systems.
Does home insurance cover my home-based business?
Standard home insurance typically provides very limited coverage for business equipment and zero coverage for business liability. If you run a business from home, you'll need a home business endorsement or a separate business insurance policy.
Have more questions? We're here to help.
Contact our insurance experts