Average Cost of Homeowners Insurance in California (2024) (2024)

The average cost of homeowners insurance in California in 2024 is $1,148. This is 111% lower than the national average of $2,423, offering Californians a more affordable option for protecting their homes.

Aside from the coverage you get on your home, the provider you choose has the largest impact on premiums, with the difference between the lowest and highest premium amounts reaching $1,492 on average. If your rates have recently increased, we've also analyzed the cheapest policies in California. Compare your options for more competitive premiums.

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Average Cost of Home Insurance in California by Coverage Amount

In California, the average homeowners insurance premium is $1,148 for policies with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage, which is less than the national average of $2,423.

Determining how much coverage you need is important because it should be adequate to rebuild your home and replace personal property in the event of a total loss. For example, a policy with $100K in dwelling coverage costs an average of $602 annually, while a policy covering $500K in dwelling coverage jumps to an average of $2,081 annually. These premiums illustrate the correlation between the amount of coverage and the cost of the policy.

Average Annual Home Insurance Premium California by Coverage Amount

Average Cost of Home Insurance in California by Insurer

Premiums for homeowners insurance in California can vary significantly depending on the insurer, even for similar levels of coverage. For instance, a policy from Allstate might cost considerably less per year than one from Chubb, reflecting diverse underwriting practices and risk assessments.

There are plenty of great home insurance providers in California, so comparing quotes pays off.

Average Annual Home Insurance Premium California by Provider

Average Cost of Home Insurance in California by Construction and Roof Type

The roofing material of your home can influence your homeowners insurance premium. In California, roof types like composition may result in slightly lower premiums than shake-treated roofs.

Similarly, the construction material of your home plays a role in insurance costs. Superior construction materials, which are more resistant to certain perils like wildfires, may attract a slightly lower premium than standard frame construction homes.

Use the drop-downs in the table below to see how premiums change based on your home's materials.

Average Annual Home Insurance in California by Construction and Roofing Type

Average Cost of Home Insurance in California for Newly Constructed Homes

Average Annual Home Insurance Premiums: New vs. Existing Construction

Average Cost of Home Insurance in California by Claims History

Average Annual Home Insurance in California by Claims Experience

Average Cost of Home Insurance by City in California

For the cities we analyzed, we found premiums ranging from $920 to $1,323 annually. In Anaheim, homeowners can expect to pay around $1,181, while Antioch residents might see premiums closer to $979. On the higher end, Apple Valley's average is approximately $1,323 per year.

Location impacts premium prices due to varying risks like crime rates, weather patterns, and local construction costs. While city location is a significant factor, it's one of many, including coverage amounts and the age of the home, that influence insurance costs.

Average Annual Home Insurance Premium by City

How to Shop for Home Insurance in California

California offers a variety of homeowners insurance discounts to help lower premiums.

• Loyalty discount for staying with the same insurer for several years.
• Protective devices discount for homes with security systems or smoke detectors.
• Claims-free discount for homeowners who haven't filed a claim in a certain period.

To maximize your savings, it's important to inquire about all available discounts when requesting a quote.

FAQ: Homeowners Insurance in California

Additional Resources for Homeowners Insurance in California

A variety of homeowners insurance resources are at your disposal in California. Whether you're a new homeowner seeking affordability or a seasoned property owner looking for specific coverage details, these links offer a wealth of information tailored to Californians.

• California Department of Insurance: Official state resource for insurance regulations.
• Affordable Home Insurance in California: Find cost-effective options for your home.
• California Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in California: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.