California Home Owners Insurance

California

California Home Owners Insurance

Rating Factors For Homeowners Insurance In California

When you are shopping for homeowners, there are quite a bit of factors that companies take into consideration. See below some of those factors in California.

Location
Wood-burning stoves
Claims
Deductible
Upgrades to Wiring plumbing
Roof condition
Swimming pool or hot tub
Home-based business
Home liability limits
Insurance score
Credit history
Dog breed
Value of home Replacement cost
Marital status

Bundling Options With Homeowners Insurance In California

Bundling your insurance is always a good thing and can save you some money! There are a few different things you can bundle! See some below!

Health
Life
ATV
RV
Motorcycle
Business
Boat
Umbrella
Auto

Who Has The Lowest Price On Homeowners In California?

Homeowners is a great coverage to have! Doesn’t mean you want to spend a fortune on it. See some of the best priced companies in California!

CompanyRank
Progressive1
MetLife Inc.2
Hartford3
State Farm4
Farmers Insurance5
Allstate Corp.6
Auto-Owners7
Travelers8
Nationwide9

Which Companies Offer Homeowners In California

Instead of calling company after company, let us help you list some companies that offer homeowners in California! Below, are 14 companies that do!

CompanyHome Owners Offered
Hartfordyes
USAAyes
Auto-Ownersyes
Progressiveyes
State Farmyes
Chubbyes
Liberty Mutualyes
MetLife Inc.yes
Farmers Insuranceyes
Travelersyes
Allstate Corp.yes
American Familyyes
American Internationalyes
Nationwideyes

Homeowners Insurance FAQ’s In California

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Best Homeowners Insurance By Company In California

When insuring your home you want the best coverage AND the best company! We made a list of some of those companies with great AM ratings!

CompanyAM Best
Farmers InsuranceA
Liberty MutualA
ProgressiveA+
American FamilyA
NationwideA
ChubbA
State FarmA++
USAAA++
TravelersA++
American InternationalA-
AllstateA+
MetLifeA-

What Does homeowners Insurance Cover In California?

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Average Cost For Homeowners Insurance in California (by city)

Homeowners rates vary city to city. Here is a great list of cities in California and what the average price looks like.

CityPrice
Fontana$1,409.00
Escondido$1,142.00
Santa Clarita$1,348.00
Riverside$1,401.00
Chula Vista$1,240.00
Vallejo$1,327.00
Carlsbad$1,182.00
Bakersfield$1,212.00
Santa Rosa$1,358.00
Arden-Arcade$1,252.00
Orange$1,335.00
Rancho Cucamonga$1,369.00
Antioch$1,246.00
Jurupa Valley$1,387.00
Daly City$1,185.00
Pomona$1,392.00
Irvine$1,388.00
El Monte$1,164.00
San Francisco$1,290.00
Sunnyvale$1,284.00
Clovis$1,248.00
Fairfield$1,139.00
Pasadena$1,296.00
Long Beach$1,175.00
Anaheim$1,135.00
East Los Angeles$1,166.00
Torrance$1,108.00
Rialto$1,141.00
Corona$1,248.00
Inglewood$1,244.00
West Covina$1,259.00
Oceanside$1,225.00
Santa Clara$1,375.00
Modesto$1,118.00
Palmdale$1,372.00
Stockton$1,136.00
San Bernardino$1,284.00
Los Angeles$1,288.00
San Jose$1,369.00
Victorville$1,320.00
Thousand Oaks$1,244.00
Downey$1,125.00
Simi Valley$1,387.00
Santa Maria$1,354.00
Lancaster$1,216.00
Fullerton$1,205.00
Visalia$1,277.00
Santa Ana$1,124.00
Oxnard$1,337.00
Fresno$1,375.00
Ontario$1,156.00
El Cajon$1,119.00

Most Common Causes For Homeowners Loss And Claims (nationwide)

Natural disasters, unforeseen occurrences, and many other things can cause a tremendous amount of damage to your home. That’s when your homeowners insurance comes in handy!

Theft
Vandalism
Wind
Other Weather related
Lightning
Hail
Water Damage
Loss of Use
Fire
Power surge

* Laws Pertaining to Homeowners in California

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Last Updated on October 31, 2021 by Shawn Christie

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