How to Compare Home Insurance Quotes (2024)
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Best Homeowners Insurance in California (2024)

Updated on:
Content was accurate at the time of publication.

Travelers has the cheapest homeowners insurance in California, charging $901 a year. However, low rates and good ratings make Nationwide California’s best home insurance company.

Find the Cheapest Home Insurance Quotes in California

Cheapest insurance companies in California

$1,194/year
Best overall: Nationwide
Nationwide logo
$901/year
Best for rates: Travelers
Travelers logo
$799/year
Best for military: USAA
USAA logo
+
More Options

Travelers has the cheapest home insurance for most California residents. Its rates average $901 a year ($75 a month) for a typical home. This is roughly 28% less than the state average of $1,260 a year.

Military members and their families, however, can get even cheaper rates with USAA.

CompanyAnnual rateLendingTree score
travelers logoTravelers$9013.5 stars
aaa logoAAA Southern California$1,1082.0 stars
mercury logoMercury$1,1492.5 stars
nationwide logoNationwide$1,1943.5 stars
aaa logoAAA Northern California$1,2612.0 stars
state farm logoState Farm$1,3044 stars
Farmers logoFarmers$1,6143.5 stars
chubb logoChubb$2,3434 stars
usaa logoUSAA*$7994 stars

*USAA is only available to the military community.

Nationwide’s prices and ratings make it the best homeowners insurance company in California.

However, Travelers has the best rates, while AAA, USAA and Chubb are among California’s top home insurance companies for other reasons.

CompanyAnnual rate J.D. Power customer satisfaction Customer satisfaction scores are from J.D. Power’s 2023 U.S. Home Insurance Study. NAIC complaint index Complaint index ratings come from the National Association of Insurance Commissioners (NAIC). Lower scores are better; 1.0 is average.
Best overall: Nationwide$1,194812 (Average)0.96 (Average)
Best rates: Travelers$901790 (Poor)0.98 (Average)
Best in SoCal: AAA$1,108810 (Below average)1.59 (Poor)
Best for military: USAA$799881 (Excellent)0.49 (Excellent)
Best complaint rating: Chubb$2,343801 (Below average)0.11 (Excellent)

Best overall homeowners insurance in California: Nationwide

Nationwide logo
Nationwide’s combination of low rates and relatively high ratings makes it the best overall homeowners insurance company in California. Its customer service ratings are just average, but they beat companies with comparable prices. Nationwide also has some extra coverages, beyond just the basics, that can come in handy.

Pros
Discounts available for bundling, home renovations and avoiding claims.
Nationwide’s smart home program includes free devices that monitor your home for break-ins, water leaks and fire.
Optional identity theft coverage includes credit monitoring and only adds $45 to your annual rate.

Cons
 Customer service ratings are just average.

Best cheap home insurance in California: Travelers

travelers logo
Travelers’ discounts provide a few extra ways to make the company’s low rates even cheaper. For example, if you’ve bought your home within the past year, you can get a homebuyer discount. Travelers also offers customizable options for giving your belongings extra protections you may need.

Pros
 Rates are about 28% less than the state average.
 Customizable add-ons for extra protection.
Discounts available for LEED-certified “green” homes.

Cons
Poor J.D. Power rating for overall customer satisfaction.

Best home insurance in Southern California: AAA

aaa logo
AAA is better known for its towing services, but it also provides affordable home and auto insurance. In Southern California, AAA’s average home insurance rate, after you factor in its cheapest membership fee, is less than $100 a month. (AAA’s home insurance rates are higher in Northern California.) However, a poor complaint rating keeps us from giving AAA a stronger recommendation.

Pros
Bundling policies can save you up to 20% on home insurance and up to 16% on car insurance.
 You can save another 12% if you’re over 50.
Other discounts for new homes, fire-resistant roofs and new plumbing.
Joining AAA also gives you 24/7 roadside assistance.

Cons
 Poor NAIC complaint rating.
 Below average customer satisfaction rating from J.D. Power.
 You have to pay a membership fee to get AAA insurance.

Best home insurance for military families: USAA

usaa logo
USAA checks most of the boxes for the qualities you need in a good insurance company, including low rates and high ratings.If your belongings are damaged or stolen, USAA replaces them with new items, without reducing your payment for depreciation. And if you’re an active-duty service member, USAA’s insurance protections extend to your uniforms and military equipment.

Pros
California’s cheapest overall home insurance rate.
Industry’s best overall home satisfaction rating.
Easy-to-earn discounts help you save more.

Cons
USAA is only available to current and former members of the military and their families.
Lack of personalized service.

Best complaint rating: Chubb

chubb logo
Chubb caters to customers with luxury homes. Its excellent NAIC complaint rating shows that it does a good job meeting customers’ high expectations. Chubb’s standard policies also include features that would cost you extra at other companies.

Pros
Extended replacement cost coverage included in standard coverage.
Free home appraisals and loss-prevention consultations.
Cash settlement option available for total losses.

Cons
 Rates are 86% higher than the state average.
 Usually only available to high-value homes.

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Savings Tips

Travelers, AAA Southern California and Mercury offer average rates below $1,150 a year.

Home insurance rates can vary by city, with an average of $1,087 a year in San Jose versus $1,466 in Los Angeles.

Shopping around and comparing home insurance quotes could save you $360.

Find the Cheapest Home Insurance Quotes in California

How much is home insurance in California?

The average cost of home insurance in California is $1,260 a year, or $105 a month, for a typical home. The actual price you pay depends on several factors, including:

  • Your home’s age and construction features
  • Your neighborhood’s fire risks, crime rate and exposure to severe weather
  • Your insurance history
  • The amount of coverage you need
  • Any discounts you may be eligible to receive

Each insurance company weighs these factors differently and offers different discounts.

When you compare quotes from multiple companies, you can find the one with the best rate for your needs and situation.

Home insurance rates by coverage amounts

The amount of home insurance coverage you need is among the factors that determine your rate.

For example, a policy with $450,000 in dwelling coverage costs 26% more than a $350,000 policy. The difference amounts to $288 a year, or $24 a month.

Your policy’s dwelling coverage pays to repair damage to your home from a covered peril such as fire or fallen tree.

Dwelling limitAnnual rate
$350,000$1,121
$400,000$1,260
$450,000$1,409

If you have a mortgage, your lender will likely make you insure your home at its replacement value. This is the estimated cost of rebuilding your home, which is usually lower than its market value.

You can insure your home for a lower amount if you have a low mortgage balance or own the home outright. However, doing so can leave you short on funds to repair or rebuild after a disaster.

In California’s largest cities, home insurance rates range from $1,087 a year in San Jose to $1,466 in Los Angeles.

A typical home in San Diego costs an average of $1,168 a year to insure, while the average price of home insurance in San Francisco is $1,174 a year.

CityAverage annual premium
Acalanes Ridge$1,181
Acampo$1,180
Acton$1,948
Adelanto$1,544
Adin$1,539
Agoura Hills$1,460
Agua Dulce$1,608
Aguanga$1,735
Ahwahnee$1,645
Airport$1,144
Alameda$1,140
Alamo$1,218
Albany$1,137
Albion$1,153
Alderpoint$1,162
Alhambra$1,152
Aliso Viejo$1,544
Alleghany$1,520
Allendale$1,239
Alondra Park$1,346
Alpaugh$1,273
Alpine$1,575
Alta$1,662
Alta Sierra$1,626
Altadena$1,209
Altaville$1,505
Alturas$1,458
Alum Rock$1,108
Alviso$1,059
Amador City$1,464
Amboy$1,679
American Canyon$1,110
Amesti$1,133
Anaheim$1,269
Anderson$1,452
Angels$1,566
Angels Camp$1,502
Angelus Oaks$1,724
Angwin$1,350
Annapolis$1,194
Antelope$1,244
Antioch$1,150
Anza$1,820
Apple Valley$1,418
Applegate$1,568
Aptos$1,189
Aptos Hills-Larkin Valley$1,155
Arbuckle$1,282
Arcadia$1,114
Arcata$1,059
Arden-Arcade$1,207
Armona$1,112
Arnold$1,611
Aromas$1,190
Arroyo Grande$996
Artesia$1,331
Artois$1,322
Arvin$1,259
Ashland$1,152
Atascadero$1,093
Atherton$1,018
Atwater$1,082
Atwood$1,530
Auberry$1,613
Auburn$1,431
Auburn Lake Trails$1,588
August$1,181
Avalon$1,391
Avenal$1,228
Avery$1,568
Avila Beach$1,049
Avilla Beach$1,089
Avocado Heights$1,277
Azusa$1,234
Badger$1,480
Baker$1,558
Bakersfield$1,181
Baldwin Park$1,189
Ballico$1,092
Bangor$1,529
Banning$1,620
Bard$1,602
Barstow$1,506
Bass Lake$1,517
Bay Point$1,140
Bayside$1,072
Bayview$1,073
Beale AFB$1,359
Bear Valley Springs$1,584
Beaumont$1,673
Beckwourth$1,529
Belden$1,501
Bell$1,395
Bell Canyon$1,551
Bell Gardens$1,394
Bella Vista$1,542
Bellflower$1,316
Belmont$1,029
Belvedere$1,144
Belvedere Tiburon$1,148
Ben Lomond$1,373
Benbow$1,227
Benicia$1,189
Benton$1,517
Berkeley$1,248
Bermuda Dunes$1,453
Berry Creek$1,572
Bertsch-Oceanview$1,146
Bethel Island$1,074
Beverly Hills$1,793
Bieber$1,536
Big Bar$1,588
Big Bear City$1,778
Big Bear Lake$1,719
Big Bend$1,581
Big Creek$1,566
Big Oak Flat$1,566
Big Pine$1,405
Big River$1,650
Big Sur$1,391
Biggs$1,348
Biola$1,162
Birds Landing$1,195
Bishop$1,333
Black Point-Green Point$1,179
Blackhawk$1,325
Blairsden-Graeagle$1,485
Blocksburg$1,236
Bloomfield$1,087
Bloomington$1,403
Blue Jay$1,804
Blue Lake$1,098
Blythe$1,579
Bodega$1,048
Bodega Bay$1,036
Bodfish$1,536
Bolinas$1,229
Bonadelle Ranchos-Madera Ranchos$1,397
Bonita$1,151
Bonny Doon$1,277
Bonsall$1,589
Boonville$1,271
Boron$1,286
Boronda$1,116
Borrego Springs$1,389
Bostonia$1,210
Boulder Creek$1,412
Boulevard$1,813
Boyes Hot Springs$1,079
Bradbury$1,260
Bradley$1,220
Brandeis$1,174
Branscomb$1,363
Brawley$1,408
Brea$1,355
Brentwood$1,132
Bret Harte$1,112
Bridgeport$1,546
Bridgeville$1,286
Brisbane$1,071
Broadmoor$1,058
Brookdale$1,373
Brooks$1,317
Brooktrails$1,327
Browns Valley$1,666
Brownsville$1,616
Bryn Mawr$1,630
Buckhorn$1,524
Buellton$1,123
Buena Park$1,272
Burbank$1,324
Burlingame$1,023
Burney$1,582
Burnt Ranch$1,520
Burrel$1,301
Burson$1,623
Butte City$1,275
Butte Creek Canyon$1,471
Butte Valley$1,538
Buttonwillow$1,329
Byron$1,122
Bystrom$1,126
Cabazon$1,719
Calabasas$1,752
Calexico$1,372
Caliente$1,585
California City$1,243
California Hot Springs$1,461
Calimesa$1,773
Calipatria$1,460
Calistoga$1,281
Callahan$1,455
Callender$1,008
Calpella$1,291
Calpine$1,569
Calwa$1,293
Camarillo$1,082
Cambria$1,013
Cambrian Park$1,000
Cameron Park$1,393
Camino$1,589
Camino Tassajara$1,275
Camp Meeker$1,057
Camp Nelson$1,332
Camp Pendleton$1,448
Campbell$998
Campo$1,703
Campo Seco$1,528
Camptonville$1,629
Canby$1,440
Canoga Park$1,623
Cantil$1,470
Cantua Creek$1,208
Canyon$1,193
Canyon Country$1,550
Canyon Dam$1,609
Canyon Lake$1,493
Capay$1,338
Capistrano Beach$1,465
Capitola$1,122
Cardiff By The Sea$1,201
Carlotta$1,211
Carlsbad$1,209
Carmel$1,140
Carmel Valley Village$1,239
Carmel-by-the-Sea$1,112
Carmichael$1,224
Carnelian Bay$1,494
Carpinteria$1,081
Carson$1,450
Caruthers$1,170
Casa Conejo$1,124
Casa de Oro-Mount Helix$1,214
Casmalia$1,048
Caspar$1,135
Cassel$1,672
Castaic$1,516
Castella$1,583
Castle Hill$1,190
Castro Valley$1,197
Castroville$1,147
Cathedral City$1,512
Catheys Valley$1,626
Cayucos$979
Cazadero$1,144
Cedar Glen$1,852
Cedar Ridge$1,593
Cedarpines Park$1,881
Cedarville$1,438
Centerville$1,287
Ceres$1,113
Cerritos$1,319
Challenge$1,488
Charter Oak$1,379
Chatsworth$1,592
Cherry Valley$1,745
Cherryland$1,174
Chester$1,431
Chicago Park$1,501
Chico$1,212
Chilcoot$1,555
China Lake Acres$1,188
Chinese Camp$1,537
Chino$1,336
Chino Hills$1,364
Chowchilla$1,271
Chualar$1,191
Chula Vista$1,197
Cima$1,653
Citrus$1,270
Citrus Heights$1,246
City Of Industry$1,613
Claremont$1,442
Clarksburg$1,122
Clay$1,297
Clayton$1,137
Clearlake$1,323
Clearlake Oaks$1,446
Clearlake Park$1,340
Clearlake Riviera$1,418
Clements$1,251
Cleone$1,166
Clio$1,528
Clipper Mills$1,546
Cloverdale$1,223
Clovis$1,210
Clyde$1,134
Coachella$1,485
Coalinga$1,223
Coarsegold$1,685
Cobb$1,538
Cohasset$1,341
Coleville$1,587
Colfax$1,609
Collierville$1,188
Colma$1,071
Coloma$1,518
Colton$1,472
Columbia$1,580
Colusa$1,261
Commerce$1,377
Comptche$1,262
Compton$1,554
Concord$1,124
Concow$1,520
Contra Costa Centre$1,164
Cool$1,544
Copperopolis$1,578
Corcoran$1,138
Corning$1,386
Corona$1,493
Corona Del Mar$1,350
Coronado$1,103
Coronita$1,557
Corralitos$1,175
Corte Madera$1,159
Costa Mesa$1,335
Cotati$1,026
Coto De Caza$1,654
Cottonwood$1,475
Coulterville$1,667
Country Club$1,187
Courtland$1,150
Covelo$1,280
Covina$1,376
Coyote$1,098
Crescent City$1,139
Crescent Mills$1,578
Cressey$1,201
Crest$1,276
Crestline$1,945
Creston$1,134
Crockett$1,137
Crowley Lake$1,422
Crows Landing$1,211
Cudahy$1,396
Culver City$1,311
Cupertino$1,025
Cutler$1,202
Cutten$1,047
Cypress$1,279
Daggett$1,658
Daly City$1,066
Dana Point$1,531
Danville$1,242
Daphnedale Park$1,428
Darwin$1,696
Davenport$1,264
Davis$1,114
Davis Creek$1,552
Day Valley$1,185
Death Valley$1,557
Deer Park$1,304
Del Aire$1,370
Del Mar$1,183
Del Monte Forest$1,125
Del Rey$1,246
Del Rey Oaks$1,093
Del Rio$1,101
Delano$1,258
Delhi$1,093
Delleker$1,534
Denair$1,093
Descanso$1,722
Desert Center$1,580
Desert Edge$1,507
Desert Hot Springs$1,545
Desert Palms$1,519
Desert Shores$1,467
Desert View Highlands$1,782
Diablo$1,315
Diamond Bar$1,500
Diamond Springs$1,512
Dillon Beach$1,135
Dinuba$1,185
Discovery Bay$1,081
Dixon$1,128
Dixon Lane-Meadow Creek$1,328
Dobbins$1,550
Dogtown$1,212
Dollar Point$1,491
Dorris$1,421
Dos Palos$1,091
Dos Rios$1,265
Douglas City$1,690
Douglas Flat$1,504
Downey$1,366
Downieville$1,625
Doyle$1,508
Drytown$1,716
Duarte$1,264
Dublin$1,091
Ducor$1,340
Dulzura$1,637
Duncans Mills$1,033
Dunlap$1,484
Dunnigan$1,216
Dunsmuir$1,599
Durham$1,317
Dustin Acres$1,299
Dutch Flat$1,543
Eagleville$1,508
Earlimart$1,259
Earp$1,674
East Foothills$1,108
East Hemet$1,396
East Irvine$1,544
East La Mirada$1,353
East Los Angeles$1,383
East Nicolaus$1,275
East Oakdale$1,172
East Orosi$1,226
East Palo Alto$1,026
East Pasadena$1,119
East Porterville$1,206
East Quincy$1,541
East Rancho Dominguez$1,538
East Richmond Heights$1,153
East San Gabriel$1,109
East Sonora$1,593
Easton$1,283
Eastvale$1,444
Echo Lake$1,624
Edison$1,302
Edwards$1,321
Edwards AFB$1,287
El Cajon$1,210
El Centro$1,370
El Cerrito$1,149
El Dorado$1,588
El Dorado Hills$1,381
El Granada$1,038
El Monte$1,139
El Nido$1,083
El Portal$1,434
El Rio$1,032
El Segundo$1,161
El Sobrante$1,159
El Toro$1,498
El Verano$1,070
Eldridge$1,153
Elizabeth Lake$1,901
Elk$1,188
Elk Creek$1,312
Elk Grove$1,180
Elkhorn$1,184
Elmira$1,201
Elverta$1,249
Emerald Lake Hills$1,067
Emeryville$1,265
Emigrant Gap$1,551
Empire$1,120
Encinitas$1,210
Encino$1,758
Escalon$1,183
Escondido$1,404
Esparto$1,223
Essex$1,641
Etna$1,454
Eucalyptus Hills$1,449
Eureka$1,050
Exeter$1,237
Fair Oaks$1,227
Fairbanks Ranch$1,449
Fairfax$1,210
Fairfield$1,183
Fairmead$1,380
Fairview$1,180
Fall River Mills$1,544
Fallbrook$1,516
Farmersville$1,132
Farmington$1,280
Fawnskin$1,815
Fellows$1,462
Felton$1,386
Ferndale$1,115
Fetters Hot Springs-Agua Caliente$1,088
Fiddletown$1,537
Fieldbrook$1,072
Fields Landing$1,069
Fillmore$1,177
Finley$1,411
Firebaugh$1,253
Fish Camp$1,489
Five Points$1,281
Florence-Graham$1,469
Florin$1,201
Floriston$1,514
Flournoy$1,575
Folsom$1,195
Fontana$1,383
Foothill Farms$1,227
Foothill Ranch$1,524
Forbestown$1,475
Ford City$1,260
Forest Falls$1,850
Forest Knolls$1,293
Forest Meadows$1,628
Forest Ranch$1,640
Foresthill$1,566
Forestville$1,106
Forks Of Salmon$1,458
Fort Bidwell$1,476
Fort Bragg$1,098
Fort Dick$1,160
Fort Irwin$1,476
Fort Jones$1,419
Fort Washington$1,196
Fortuna$1,096
Foster City$1,027
Fountain Valley$1,318
Fowler$1,185
Franklin$1,090
Frazier Park$1,412
Freedom$1,129
Fremont$1,104
French Camp$1,157
French Gulch$1,588
French Valley$1,408
Fresno$1,253
Friant$1,419
Fruitdale$990
Fruitridge Pocket$1,193
Fullerton$1,260
Fulton$1,075
Galt$1,173
Garden Acres$1,180
Garden Grove$1,220
Garden Valley$1,601
Gardena$1,357
Garnet$1,545
Gasquet$1,361
Gazelle$1,449
Georgetown$1,639
Gerber$1,395
Geyserville$1,206
Gilroy$1,162
Glen Avon$1,424
Glen Ellen$1,177
Glencoe$1,611
Glendale$1,353
Glendora$1,380
Glenhaven$1,341
Glenn$1,227
Glennville$1,614
Gold River$1,190
Gold Run$1,540
Golden Hills$1,579
Goleta$1,157
Gonzales$1,179
Good Hope$1,725
Goodyears Bar$1,409
Goshen$1,113
Graeagle$1,500
Granada Hills$1,616
Grand Terrace$1,436
Grangeville$1,125
Granite Bay$1,222
Granite Hills$1,227
Grass Valley$1,559
Graton$1,080
Grayson$1,196
Greeley Hill$1,614
Green Acres$1,521
Green Valley$1,394
Green Valley Lake$1,716
Greenacres$1,195
Greenbrae$1,187
Greenfield$1,153
Greenhorn$1,507
Greenview$1,438
Greenville$1,597
Greenwood$1,597
Grenada$1,395
Gridley$1,307
Grimes$1,261
Grizzly Flats$1,692
Groveland$1,595
Grover Beach$986
Guadalupe$1,054
Gualala$1,197
Guasti$1,353
Guatay$1,616
Guerneville$1,116
Guinda$1,358
Gustine$1,130
Hacienda Heights$1,224
Half Moon Bay$1,037
Hamilton Branch$1,538
Hamilton City$1,248
Hanford$1,121
Happy Camp$1,544
Harbison Canyon$1,344
Harbor City$1,205
Harmony$1,251
Hartley$1,211
Hat Creek$1,562
Hathaway Pines$1,528
Hawaiian Gardens$1,336
Hawthorne$1,338
Hayfork$1,571
Hayward$1,161
Healdsburg$1,103
Heber$1,466
Helendale$1,570
Helm$1,259
Hemet$1,395
Herald$1,223
Hercules$1,122
Herlong$1,666
Hermosa Beach$1,201
Hesperia$1,511
Hickman$1,166
Hidden Hills$1,747
Hidden Meadows$1,517
Hidden Valley Lake$1,507
Highgrove$1,476
Highland$1,434
Highlands-Baywood Park$1,016
Hillsborough$1,016
Hilmar$1,084
Hilmar-Irwin$1,081
Hinkley$1,608
Hollister$1,172
Holt$1,201
Holtville$1,391
Holy City$1,365
Home Garden$1,125
Home Gardens$1,428
Homeland$1,536
Homestead Valley$1,503
Homewood$1,573
Honeydew$1,136
Hood$1,166
Hoopa$1,267
Hopland$1,343
Hornbrook$1,523
Hornitos$1,389
Hughson$1,089
Humboldt Hill$1,068
Hume$1,466
Huntington Beach$1,334
Huntington Park$1,378
Huron$1,202
Hyampom$1,509
Hydesville$1,119
Idyllwild-Pine Cove$1,908
Igo$1,543
Imperial$1,408
Imperial Beach$1,193
Independence$1,435
Indian Wells$1,517
Indio$1,463
Industry$1,220
Inglewood$1,522
Interlaken$1,131
Inverness$1,226
Inyokern$1,271
Ione$1,442
Irvine$1,352
Irwindale$1,214
Isla Vista$1,113
Isleton$1,162
Ivanhoe$1,156
Jackson$1,454
Jacumba$1,706
Jamestown$1,597
Jamul$1,585
Janesville$1,614
Jenner$1,082
Johannesburg$1,397
Jolon$1,208
Joshua Tree$1,456
Julian$1,853
Junction City$1,565
June Lake$1,441
Jurupa Valley$1,422
Kaweah$1,515
Keeler$1,531
Keene$1,482
Kelly Ridge$1,528
Kelseyville$1,414
Kennedy$1,184
Kensington$1,141
Kentfield$1,192
Kenwood$1,192
Kerman$1,178
Kernville$1,573
Keswick$1,545
Kettleman City$1,161
Keyes$1,103
King City$1,220
Kings Beach$1,483
Kings Canyon National Pk$1,733
Kingsburg$1,165
Kirkwood$1,516
Kit Carson$1,429
Klamath$1,144
Klamath River$1,498
Kneeland$1,177
Knights Landing$1,186
Knightsen$1,144
Korbel$1,183
Kyburz$1,689
La Canada Flintridge$1,331
La Crescenta$1,441
La Grange$1,599
La Habra$1,208
La Habra Heights$1,245
La Honda$1,167
La Jolla$1,243
La Mesa$1,193
La Mirada$1,375
La Palma$1,229
La Presa$1,194
La Puente$1,250
La Quinta$1,476
La Riviera$1,180
La Selva Beach$1,132
La Verne$1,416
Ladera$1,087
Ladera Heights$1,435
Ladera Ranch$1,615
Lafayette$1,218
Laguna Beach$1,421
Laguna Hills$1,517
Laguna Niguel$1,555
Laguna Woods$1,526
Lagunitas$1,289
Lake Almanor Country Club$1,467
Lake Arrowhead$1,894
Lake California$1,507
Lake City$1,465
Lake Elsinore$1,607
Lake Forest$1,487
Lake Hughes$1,835
Lake Isabella$1,438
Lake Los Angeles$1,616
Lake Mathews$1,730
Lake Nacimiento$1,064
Lake of the Pines$1,501
Lake of the Woods$1,475
Lake San Marcos$1,288
Lake Wildwood$1,542
Lakehead$1,693
Lakeland Village$1,659
Lakeport$1,419
Lakeshore$1,434
Lakeside$1,414
Lakeview$1,567
Lakewood$1,289
Lamont$1,183
Lanare$1,214
Lancaster$1,659
Landers$1,506
Larkfield-Wikiup$1,059
Larkspur$1,165
Las Flores$1,569
Las Lomas$1,153
Lathrop$1,163
Laton$1,188
Lawndale$1,351
Laytonville$1,283
Le Grand$1,154
Lebec$1,684
Lee Vining$1,402
Leggett$1,315
Lemon Cove$1,311
Lemon Grove$1,197
Lemon Hill$1,191
Lemoore$1,114
Lemoore Station$1,119
Lennox$1,510
Lenwood$1,501
Lewiston$1,626
Lexington Hills$1,245
Likely$1,493
Lincoln$1,163
Lincoln Village$1,198
Linda$1,285
Linden$1,224
Lindsay$1,228
Linnell Camp$1,118
Litchfield$1,598
Little Lake$1,674
Little River$1,181
Littlerock$1,679
Live Oak$1,230
Livermore$1,067
Livingston$1,086
Llano$1,776
Lockeford$1,185
Lockwood$1,261
Lodi$1,154
Loleta$1,062
Loma Linda$1,527
Loma Mar$1,158
Loma Rica$1,405
Lomita$1,193
Lompico$1,376
Lompoc$1,126
London$1,213
Lone Pine$1,381
Long Barn$1,610
Long Beach$1,186
Lookout$1,642
Loomis$1,276
Los Alamitos$1,281
Los Alamos$1,067
Los Altos$1,006
Los Altos Hills$1,042
Los Angeles$1,466
Los Banos$1,092
Los Gatos$1,074
Los Molinos$1,411
Los Olivos$1,114
Los Osos$947
Los Ranchos$1,009
Lost Hills$1,346
Lotus$1,527
Lower Lake$1,463
Loyalton$1,587
Loyola$1,016
Lucas Valley-Marinwood$1,218
Lucerne$1,423
Lucerne Valley$1,482
Ludlow$1,685
Lynwood$1,393
Lytle Creek$1,892
Macdoel$1,402
Mad River$1,419
Madeline$1,673
Madera$1,248
Madera Acres$1,233
Madison$1,190
Magalia$1,653
Malibu$1,721
Mammoth Lakes$1,410
Manchester$1,166
Manhattan Beach$1,201
Manila$1,043
Manteca$1,162
Manton$1,510
March ARB$1,494
Maricopa$1,309
Marin City$1,205
Marina$1,111
Marina Del Rey$1,269
Mariposa$1,560
Markleeville$1,583
Marshall$1,243
Martell$1,321
Martinez$1,193
Marysville$1,276
Mather$1,187
Maxwell$1,263
Mayfair$1,298
Mayflower Village$1,133
Maywood$1,373
Mc Kittrick$1,484
McArthur$1,544
McClellan$1,272
McClellan Park$1,228
McCloud$1,590
McFarland$1,242
McKinleyville$1,050
McSwain$1,071
Mead Valley$1,690
Meadow Valley$1,581
Meadow Vista$1,592
Meadowbrook$1,740
Mecca$1,580
Meiners Oaks$1,231
Mendocino$1,105
Mendota$1,196
Menifee$1,402
Menlo Park$1,012
Mentone$1,580
Merced$1,088
Meridian$1,256
Mi Wuk Village$1,521
Mi-Wuk Village$1,598
Middletown$1,546
Midpines$1,543
Midway City$1,293
Milford$1,611
Mill Creek$1,499
Mill Valley$1,205
Millbrae$1,046
Millville$1,588
Milpitas$1,083
Mineral$1,479
Minkler$1,280
Mira Loma$1,425
Mira Monte$1,273
Miranda$1,176
Mission Canyon$1,221
Mission Hills$1,227
Mission Viejo$1,545
Moccasin$1,453
Modesto$1,122
Mojave$1,305
Mokelumne Hill$1,648
Mono Hot Springs$1,663
Mono Vista$1,585
Monrovia$1,183
Montague$1,458
Montalvin Manor$1,117
Montara$1,056
Montclair$1,265
Monte Rio$1,081
Monte Sereno$1,087
Montebello$1,378
Montecito$1,307
Monterey$1,101
Monterey Park$1,112
Montgomery Creek$1,587
Montrose$1,405
Monument Hills$1,139
Moorpark$1,163
Morada$1,175
Moraga$1,193
Moreno Valley$1,454
Morgan Hill$1,181
Morongo Valley$1,742
Morro Bay$965
Moss Beach$1,055
Moss Landing$1,181
Mount Aukum$1,566
Mount Hamilton$1,121
Mount Hermon$1,325
Mount Laguna$1,619
Mount Shasta$1,596
Mount Wilson$1,410
Mountain Center$2,036
Mountain Gate$1,608
Mountain House$1,137
Mountain Pass$1,666
Mountain Ranch$1,645
Mountain View$992
Mountain View Acres$1,452
Mt Baldy$1,770
Murphys$1,633
Murrieta$1,520
Muscoy$1,621
Myers Flat$1,183
Myrtletown$1,049
Napa$1,137
National City$1,154
Navarro$1,247
Needles$1,529
Nelson$1,591
Nevada City$1,585
New Almaden$1,100
New Cuyama$1,139
Newark$1,098
Newberry Springs$1,621
Newbury Park$1,161
Newcastle$1,407
Newell$1,419
Newman$1,109
Newport Beach$1,371
Newport Coast$1,415
Nicasio$1,314
Nice$1,454
Nicolaus$1,308
Niland$1,449
Nipomo$1,070
Nipton$1,665
Norco$1,477
Norden$1,407
North Auburn$1,397
North Edwards$1,285
North El Monte$1,111
North Fair Oaks$1,010
North Fork$1,641
North Highlands$1,232
North Hills$1,525
North Hollywood$1,510
North Lakeport$1,467
North Palm Springs$1,589
North Richmond$1,136
North San Juan$1,588
North Tustin$1,296
Northridge$1,544
Norwalk$1,320
Novato$1,208
Nubieber$1,620
Nuevo$1,535
O Neals$1,655
Oak Hills$1,748
Oak Park$1,393
Oak Run$1,583
Oak View$1,216
Oakdale$1,113
Oakhurst$1,594
Oakland$1,334
Oakley$1,113
Oakville$1,128
Oasis$1,536
OBrien$1,692
Occidental$1,071
Oceano$984
Oceanside$1,249
Ocotillo$1,535
Oildale$1,188
Ojai$1,191
Olancha$1,520
Old Fig Garden$1,285
Old Station$1,579
Olema$1,200
Olivehurst$1,263
Olympic Valley$1,549
Ontario$1,309
Onyx$1,477
Orange$1,306
Orange Cove$1,307
Orangevale$1,208
Orcutt$1,026
Oregon House$1,648
Orick$1,097
Orinda$1,234
Orland$1,271
Orleans$1,219
Oro Grande$1,672
Orosi$1,208
Oroville$1,464
Oroville East$1,563
Oxnard$1,025
Pacheco$1,181
Pacific Grove$1,110
Pacific Palisades$1,621
Pacifica$1,054
Pacoima$1,480
Paicines$1,368
Pajaro$1,132
Pala$1,697
Palermo$1,494
Palm Desert$1,483
Palm Springs$1,618
Palmdale$1,699
Palo Alto$1,006
Palo Cedro$1,579
Palo Verde$1,660
Palomar Mountain$1,533
Palos Verdes Estates$1,220
Palos Verdes Peninsula$1,220
Panorama City$1,488
Paradise$1,569
Paramount$1,383
Parker Dam$1,691
Parklawn$1,114
Parksdale$1,242
Parkway$1,200
Parkwood$1,236
Parlier$1,191
Pasadena$1,159
Pasatiempo$1,194
Paskenta$1,465
Paso Robles$1,027
Patterson$1,158
Patterson Tract$1,113
Patton$1,612
Patton Village$1,681
Pauma Valley$1,628
Paynes Creek$1,612
Pearblossom$1,734
Pebble Beach$1,149
Pedley$1,431
Penn Valley$1,598
Penngrove$1,065
Penryn$1,362
Perris$1,624
Pescadero$1,145
Petaluma$1,025
Petrolia$1,141
Phelan$1,886
Phillipsville$1,195
Philo$1,252
Phoenix Lake$1,593
Pico Rivera$1,374
Piedmont$1,234
Piedra$1,524
Piercy$1,267
Pilot Hill$1,542
Pine Grove$1,501
Pine Hills$1,074
Pine Mountain Club$1,522
Pine Mountain Lake$1,612
Pine Valley$1,609
Pinecrest$1,579
Pinole$1,099
Pinon Hills$1,858
Pioneer$1,521
Pioneertown$1,707
Piru$1,137
Pismo Beach$1,003
Pittsburg$1,150
Pixley$1,203
Placentia$1,335
Placerville$1,548
Plainview$1,273
Planada$1,099
Platina$1,560
Playa Del Rey$1,242
Playa Vista$1,299
Pleasant Grove$1,266
Pleasant Hill$1,147
Pleasanton$1,091
Pleasure Point$1,096
Plumas Lake$1,270
Plymouth$1,511
Point Arena$1,198
Point Reyes Station$1,255
Pollock Pines$1,606
Pomona$1,445
Pope Valley$1,364
Poplar-Cotton Center$1,174
Port Costa$1,164
Port Hueneme$1,034
Porter Ranch$1,591
Porterville$1,166
Portola$1,539
Portola Valley$1,141
Posey$1,360
Potrero$1,826
Potter Valley$1,303
Poway$1,299
Prather$1,465
Princeton$1,266
Proberta$1,406
Prunedale$1,175
Quail Valley$1,543
Quartz Hill$1,726
Quincy$1,538
Rackerby$1,543
Rail Road Flat$1,617
Rainbow$1,572
Raisin City$1,225
Ramona$1,550
Ranchita$1,670
Rancho Calaveras$1,589
Rancho Cordova$1,188
Rancho Cucamonga$1,346
Rancho Mirage$1,494
Rancho Murieta$1,337
Rancho Palos Verdes$1,205
Rancho San Diego$1,238
Rancho Santa Fe$1,375
Rancho Santa Margarita$1,588
Randsburg$1,406
Ravendale$1,565
Raymond$1,648
Red Bluff$1,414
Red Corral$1,502
Red Mountain$1,552
Redcrest$1,155
Redding$1,556
Redlands$1,470
Redondo Beach$1,199
Redway$1,228
Redwood City$1,030
Redwood Estates$1,169
Redwood Valley$1,303
Reedley$1,244
Reliez Valley$1,200
Rescue$1,455
Reseda$1,620
Rialto$1,401
Richgrove$1,275
Richmond$1,146
Richvale$1,397
Ridgecrest$1,191
Ridgemark$1,194
Rimforest$1,862
Rio del Mar$1,127
Rio Dell$1,118
Rio Linda$1,226
Rio Nido$1,083
Rio Oso$1,262
Rio Vista$1,206
Ripley$1,579
Ripon$1,146
River Pines$1,487
Riverbank$1,113
Riverdale$1,185
Riverdale Park$1,117
Riverside$1,439
Robbins$1,291
Rocklin$1,168
Rodeo$1,127
Rohnert Park$994
Rolling Hills$1,221
Rolling Hills Estates$1,218
Rollingwood$1,125
Rosamond$1,255
Rose Hills$1,409
Rosedale$1,189
Roseland$1,018
Rosemead$1,109
Rosemont$1,174
Roseville$1,199
Ross$1,211
Rossmoor$1,292
Rough And Ready$1,614
Round Mountain$1,595
Round Valley$1,372
Rouse$1,128
Rowland Heights$1,308
Rubidoux$1,414
Rumsey$1,328
Running Springs$1,886
Ruth$1,447
Rutherford$1,111
Ryde$1,213
Sacramento$1,187
Salida$1,089
Salinas$1,097
Salton City$1,485
Salyer$1,493
Samoa$1,071
San Andreas$1,608
San Anselmo$1,194
San Antonio Heights$1,347
San Ardo$1,235
San Bernardino$1,493
San Bruno$1,056
San Buenaventura (Ventura)$1,036
San Carlos$1,005
San Clemente$1,512
San Diego$1,168
San Diego Country Estates$1,541
San Dimas$1,427
San Fernando$1,468
San Francisco$1,174
San Gabriel$1,108
San Geronimo$1,263
San Gregorio$1,134
San Jacinto$1,421
San Joaquin$1,258
San Jose$1,087
San Juan Bautista$1,200
San Juan Capistrano$1,496
San Leandro$1,142
San Lorenzo$1,160
San Lucas$1,206
San Luis Obispo$998
San Luis Rey$1,552
San Marcos$1,315
San Marino$1,100
San Martin$1,157
San Mateo$1,025
San Miguel$1,151
San Pablo$1,135
San Pasqual$1,121
San Pedro$1,212
San Quentin$1,153
San Rafael$1,157
San Ramon$1,180
San Simeon$1,048
San Ysidro$1,151
Sanger$1,283
Santa Ana$1,235
Santa Barbara$1,153
Santa Clara$1,004
Santa Clarita$1,471
Santa Cruz$1,138
Santa Fe Springs$1,355
Santa Margarita$1,142
Santa Maria$987
Santa Monica$1,343
Santa Nella$1,172
Santa Paula$1,063
Santa Rita Park$1,202
Santa Rosa$1,020
Santa Rosa Valley$1,136
Santa Venetia$1,178
Santa Ynez$1,088
Santa Ysabel$1,679
Santee$1,286
Saranap$1,194
Saratoga$1,065
Saticoy$1,100
Sausalito$1,209
Scotia$1,126
Scott Bar$1,459
Scotts Valley$1,285
Sea Ranch$1,105
Seacliff$1,126
Seal Beach$1,245
Searles Valley$1,492
Seaside$1,088
Sebastopol$1,080
Seeley$1,505
Seiad Valley$1,538
Selma$1,172
Sequoia National Park$1,303
Shackelford$1,127
Shafter$1,237
Shandon$1,023
Shasta$1,556
Shasta Lake$1,610
Shaver Lake$1,551
Shell Ridge$1,154
Sheridan$1,235
Sherman Oaks$1,632
Shingle Springs$1,472
Shingletown$1,618
Shoshone$1,530
Sierra City$1,588
Sierra Madre$1,233
Sierraville$1,589
Signal Hill$1,113
Silver Lakes$1,557
Silverado$1,674
Simi Valley$1,220
Sky Valley$1,473
Skyforest$1,719
Sleepy Hollow$1,214
Sloughhouse$1,393
Smartsville$1,553
Smith River$1,191
Snelling$1,242
Soda Springs$1,447
Solana Beach$1,246
Soledad$1,179
Solvang$1,133
Somerset$1,644
Somes Bar$1,465
Somis$1,081
Sonoma$1,055
Sonora$1,559
Soquel$1,198
Soulsbyville$1,538
South Dos Palos$1,067
South El Monte$1,156
South Gate$1,390
South Lake Tahoe$1,447
South Monrovia Island$1,203
South Oroville$1,463
South Pasadena$1,157
South San Francisco$1,077
South San Gabriel$1,111
South San Jose Hills$1,271
South Taft$1,253
South Whittier$1,369
Spreckels$1,134
Spring Valley$1,209
Spring Valley Lake$1,467
Springville$1,481
Squaw Valley$1,623
Squirrel Mountain Valley$1,461
St. Helena$1,233
Stallion Springs$1,603
Standard$1,595
Standish$1,592
Stanford$1,007
Stanton$1,226
Stevenson Ranch$1,469
Stevinson$1,085
Stewarts Point$1,068
Stinson Beach$1,172
Stirling City$1,562
Stockton$1,186
Stonyford$1,518
Storrie$1,697
Stratford$1,148
Strathmore$1,393
Strawberry$1,173
Strawberry Valley$1,573
Studio City$1,576
Sugarloaf$1,872
Suisun City$1,212
Sultana$1,454
Summerland$1,304
Sun City$1,441
Sun Valley$1,477
Sun Village$1,647
Sunland$1,523
Sunnyside$1,195
Sunnyside-Tahoe City$1,488
Sunnyslope$1,476
Sunnyvale$994
Sunol$1,245
Sunset Beach$1,285
Surfside$1,357
Susanville$1,586
Sutter$1,297
Sutter Creek$1,521
Sylmar$1,592
Taft$1,275
Taft Heights$1,259
Taft Mosswood$1,187
Tahoe City$1,418
Tahoe Vista$1,475
Tahoma$1,576
Talmage$1,276
Tamalpais-Homestead Valley$1,199
Tara Hills$1,120
Tarpey Village$1,200
Tarzana$1,716
Taylorsville$1,540
Tecate$1,636
Tecopa$1,580
Tehachapi$1,525
Tehama$1,430
Temecula$1,433
Temelec$1,061
Temescal Valley$1,684
Temple City$1,108
Templeton$1,043
Termo$1,695
Terra Bella$1,283
The Sea Ranch$1,087
Thermal$1,515
Thermalito$1,430
Thornton$1,169
Thousand Oaks$1,204
Thousand Palms$1,500
Three Rivers$1,513
Tiburon$1,139
Tipton$1,227
Tollhouse$1,545
Toluca Lake$1,643
Tomales$1,222
Topanga$1,793
Topaz$1,605
Toro Canyon$1,165
Torrance$1,173
Trabuco Canyon$1,682
Tracy$1,207
Tranquillity$1,241
Traver$1,228
Travis AFB$1,207
Tres Pinos$1,171
Trinidad$1,122
Trinity Center$1,541
Trona$1,542
Truckee$1,474
Tujunga$1,522
Tulare$1,093
Tulelake$1,369
Tuolumne City$1,576
Tupman$1,634
Turlock$1,051
Tustin$1,299
Twain$1,552
Twain Harte$1,606
Twentynine Palms$1,415
Twin Bridges$1,602
Twin Lakes$1,096
Twin Peaks$1,920
Ukiah$1,280
Union City$1,122
Universal City$1,473
University of California Davis$1,115
Upland$1,283
Upper Lake$1,374
Vacaville$1,203
Val Verde$1,545
Valencia$1,445
Valinda$1,252
Valle Vista$1,426
Vallecito$1,507
Vallejo$1,182
Valley Center$1,647
Valley Ford$1,078
Valley Springs$1,592
Valley Village$1,533
Valyermo$1,801
Van Nuys$1,534
Vandenberg AFB$1,090
Vandenberg Village$1,142
Venice$1,292
Ventura$1,074
Verdugo City$1,624
Vernalis$1,319
Vernon$1,456
Victor$1,220
Victorville$1,470
Vidal$1,727
View Park-Windsor Hills$1,495
Villa Grande$1,061
Villa Park$1,339
Vina$1,458
Vincent$1,318
Vine Hill$1,184
Vineburg$1,088
Vineyard$1,216
Vinton$1,683
Visalia$1,099
Vista$1,237
Vista Santa Rosa$1,522
Volcano$1,522
Walker$1,546
Wallace$1,520
Walnut$1,330
Walnut Creek$1,159
Walnut Grove$1,153
Walnut Park$1,379
Warm Springs$1,549
Warner Springs$1,702
Wasco$1,276
Washington$1,525
Waterford$1,128
Waterloo$1,193
Watsonville$1,126
Waukena$1,427
Wawona$1,609
Weaverville$1,546
Weed$1,484
Weedpatch$1,179
Weimar$1,521
Weldon$1,527
Wendel$1,617
Weott$1,134
West Athens$1,492
West Bishop$1,337
West Carson$1,208
West Covina$1,350
West Goshen$1,113
West Hills$1,716
West Hollywood$1,762
West Menlo Park$1,013
West Modesto$1,124
West Park$1,291
West Point$1,625
West Puente Valley$1,237
West Rancho Dominguez$1,500
West Sacramento$1,132
West Whittier-Los Nietos$1,372
Westhaven-Moonstone$1,108
Westlake Village$1,393
Westley$1,220
Westminster$1,263
Westmont$1,499
Westmorland$1,454
Westport$1,290
Westwood$1,645
Wheatland$1,274
Whiskeytown$1,696
Whitethorn$1,201
Whitewater$1,673
Whitmore$1,608
Whittier$1,395
Wildomar$1,647
Williams$1,250
Willits$1,300
Willow Creek$1,221
Willowbrook$1,497
Willows$1,297
Wilmington$1,257
Wilseyville$1,535
Wilton$1,275
Winchester$1,416
Windsor$1,061
Winnetka$1,572
Winter Gardens$1,312
Winterhaven$1,495
Winters$1,287
Winton$1,108
Wishon$1,602
Witter Springs$1,369
Wofford Heights$1,608
Woodacre$1,236
Woodbridge$1,165
Woodcrest$1,513
Woodlake$1,242
Woodland$1,132
Woodland Hills$1,664
Woodside$1,079
Woodville$1,098
Woody$1,557
Wrightwood$1,916
Yermo$1,600
Yettem$1,398
Yolo$1,175
Yorba Linda$1,425
Yorkville$1,252
Yosemite Lakes$1,671
Yosemite National Park$1,579
Yountville$1,096
Yreka$1,427
Yuba City$1,271
Yucaipa$1,607
Yucca Valley$1,539
Zamora$1,190
Zayante$1,383
Zenia$1,494

Standard home insurance does not cover earthquakes or floods, but separate insurance is available for each of these risks.

How much is earthquake insurance in California?

The average price for earthquake insurance in California is $1,342 a year for a single-family home.

Your earthquake insurance rate depends largely on your home’s features and distance from fault lines. You’ll pay more if your home is old, built of masonry and/or has more than one story. Earthquake retrofits can get you a discount.

Earthquake insurance typically covers:

  • Your dwelling
  • Other structures or extensions, including retaining walls and walkways
  • Your personal property
  • Loss of use (temporary living expenses during repairs)

Earthquake insurance deductibles tend to be high. They typically range from 5% to 25% of your coverage limits.

If you insure your home for $300,000 with a 15% deductible, you’re responsible for up to $45,000 in repairs. Your earthquake insurance covers the rest.

All California home insurance companies are required to offer earthquake insurance, but you don’t have to buy it.

Most home insurers offer earthquake insurance from the nonprofit California Earthquake Authority (CEA). In addition, Palomar and GeoVera are good companies to contact if you shop for earthquake insurance on your own.

How much is flood insurance in California?

The average cost of flood insurance in California is $851 a year for government-backed National Flood Insurance Program (NFIP) policies.

Flood insurance is only required if you need a mortgage for a home in a high-risk flood zone. Otherwise, it’s optional — but often worth considering.

Most flood insurance is purchased through the NFIP, which is managed by the Federal Emergency Management Agency (FEMA). These policies include up to $250,000 in coverage for your home and up to $100,000 for your belongings.

A few private companies also offer flood insurance in California. Some of these companies offer more protections than you can get from FEMA.

For example, some private flood insurance providers offer loss of use. This can come in handy if flood damage forces you to rent a temporary home during repairs. FEMA doesn’t offer loss of use coverage.

What is the California FAIR Plan?

The California FAIR Plan is basic homeowners insurance for homes with particularly high wildfire risks.

The program is only available for homes considered too risky to insure. If other insurance companies refuse to insure you, the FAIR Plan may be your last resort.

A standard FAIR Plan policy only covers fire and a few other risks. You have to purchase a difference-in-conditions policy for liability coverage and other normal home insurance protections.

As of 2022, the average cost of a FAIR Plan policy with difference-in-conditions protection was about $3,200 a year.

Homeowners insurance is not required by law in California. However, lenders typically require it for a mortgage, and homeowners associations also often require it.

Catastrophic wildfires and other disasters have made it hard to get homeowners insurance in California. Insurance companies blame these events for creating financial hardships for them. Many have raised their rates, and some have pulled out of the state.

Yes. You can get a home insurance quote before you buy a home in California. Getting an insurance quote before you submit an offer allows you to see how much it may cost to insure the home — or if it even qualifies for insurance.

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Average rates were compiled from rates in every California ZIP code.

Unless otherwise noted, quoted policies contain the following:

  • Dwelling coverage: $400,000
  • Other structures: $40,000
  • Personal property: $200,000
  • Loss of use: $80,000
  • Personal liability: $100,000
  • Guest medical payments: $5,000
  • Deductible: $1,000

Rates are provided for comparative purposes only.

Overall satisfaction ratings were obtained from J.D. Power’s 2023 U.S. Home Insurance Study. The agency’s scores are based on customer surveys that rate insurance companies on factors including price, policy offerings and claims.

Complaint ratings are based on NAIC Complaint Index data from 2022. A company with a 2.0 Complaint Index score has twice as many confirmed complaints as expected for its size. A company with a 0.5 rating has half as many.