Looking for the Best Home Insurance Companies in California 2022/2023? There are many benefits to living in the Golden State, like beautiful beaches, fantastic hiking areas, and Disneyland, to name a few. But you run the risk of earthquakes and wildfires if you purchase a property. Homeowners insurance covers you, your house, and your possessions for an average annual cost of $1,044.34 for a home with a $350,000 dwelling value.
However, cost isn’t the only thing to take into account. Based on factors like cost, client happiness, and more, we’ve assembled our suggestions for the top home insurance companies in California below.
5 Best Home Insurance Companies in California 2022/2023
We took into account customer happiness, insurance premiums, and third-party scores when selecting our top 5 selections for the finest homeowners insurance providers in California. The quotes for a home with a $350,000 dwelling value are used to calculate the California homeowners insurance rates for each company.
| Company | Best for | Score |
|---|---|---|
| Allstate | Best for cheap rates | 829 |
| State Farm | Best for fire protection | 835 |
| Nationwide | Best for customer satisfaction | 812 |
| USAA | Best for military families | 882 |
Cost of Home Insurance in Califonia
| Company | Average Annual Premium |
|---|---|
| Allstate | $934.97 |
| Mercury | $1,060.34 |
| USAA | $1,148.58 |
| First American Corporation Group | $1,213.06 |
| State Farm | $1,231.11 |
| National General | $1,297.47 |
| Nationwide | $1,375.60 |
| Auto Club | $1,426.59 |
| Capital Insurance Group | $1,427.94 |
| CSAA | $1,631.69 |
How To Find Homeowners Insurance in California
Among California homeowners, national insurance providers like State Farm, Allstate,, and Nationwide are preferred choices. These homes insurance companies have the resources to pay claims for their California clients because of their sizable sizes and budgets (State Farm specifically received an A++ rating for financial soundness from AM Best).
You might wish to think about earthquake insurance in addition to your standard insurance coverage. Every two years, earthquake coverage must be made available to clients by all homeowners insurance providers in California. The most frequently selected option among residents of California is the California Earthquake Authority (CEA). Additionally, you can get insurance from national carriers that are CEA members, such as:
- Allstate
- Amica Mutual Insurance Company
- Automobile Club of Southern California (AAA)
- Farmers Insurance
- Liberty Mutual
- Nationwide Insurance
- USAA
- State Farm
What are the cheapest homeowners insurance companies in California?
What is the average homeowners insurance cost in California?
Why is homeowners insurance so expensive in California?
How much should I pay for homeowners insurance in California?
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