Insurance
California Homeowners Insurance Calculator: Free Cost Estimator (2024)
Updated: November 10, 2024
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Nov 20, 2024
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MoneyGeek compared average home insurance rates in California to help you find the cheapest homeowners insurance in California. Our research found that Allstate is the cheapest company overall for home insurance in California.
We also ranked the companies offering an exceptional balance of cost and quality service to help you find the best homeowners insurance in California.
How to Estimate the Cost of Your Homeowners Insurance Policy in California
The cost of homeowners insurance in California depends on factors like your dwelling coverage, the value of personal property and more. To calculate home insurance costs for your profile, you will need to evaluate these factors to get a personalized estimate.
MoneyGeek’s California home insurance calculator makes it easy to get an estimate by inputting the following criteria to get a personalized estimate based on your needs.
California
Homeowners insurance rates vary depending on where you live due to state-specific factors like crime rates, risks of natural disasters and other factors. Residents in states with more risks will typically pay higher rates for homeowners insurance. Compared with other states, California is one of the cheapest states for homeowners insurance.
Dwelling Coverage
Dwelling coverage refers to the amount of money it would take to rebuild your home as it is. The higher the dwelling coverage of your home, the more your home insurance costs will be. Factors like the age, size and other features of your home will determine the appropriate dwelling coverage amount. The average dwelling coverage amount for California is $500,000.
Deductible
Your deductible is how much you pay out of pocket when filing a homeowners insurance claim. A home insurance policy with a low deductible means you’ll pay higher premiums. Conversely, policies with higher deductibles usually cost less in premiums. However, you’ll have to pay the higher deductible amount if you file a claim.
Liability
Liability insurance protects you in case a third party or their property is injured or damaged in your home. This coverage pays for things like medical expenses and legal costs incurred if a suit is filed against you. You can add tens of thousands of dollars to your liability insurance for just a few extra dollars, so it is important to get sufficient liability insurance.
Personal Property
If your personal effects like furniture, electronics or other belongings are lost or damaged, your home insurance will reimburse you under the personal property coverage aspect of your policy. The higher the value of your personal property, the more costly your homeowners insurance will be. To get an estimate of how much personal property coverage you need, you can use the personal property calculator below.
Credit Score
Homeowners insurance companies in California are not allowed to use credit scores to determine your rates.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
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Average Cost of Home Insurance in California
Compared with other states, the average home insurance cost in California is significantly cheaper. Homeowners in the state pay up to 55% less than the national average. For dwelling coverage of $250,000, most homeowners in California will pay an average of $1,094 per year. This is the fifth-cheapest rate among all states.
To get average costs based on your dwelling coverage, you can look up rates for different coverage limits in California in the table below.
Average Annual Premium in California for Homeowners Insurance
| $100,000 | $517 |
| $250,000 | $1,094 |
| $500,000 | $1,953 |
| $750,000 | $2,945 |
| $1,000,000 | $3,909 |
| $2,000,000 | $8,068 |
| $3,000,000 | $12,030 |
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Dwelling coverage is the amount you will be reimbursed if you need to rebuild your home. It refers to the replacement cost of your home, which should fully cover the cost of rebuilding your home.
The appropriate dwelling coverage for your home depends on factors like the size, age and other features of your home, like the building materials used. Your insurer can help you get an estimate of your dwelling coverage. Alternatively, you can get an estimate from an appraiser.
For additional security, investing in extended replacement cost, inflation guard coverage or guaranteed replacement cost is advisable.
Average Cost of Home Insurance in California Cities
The average cost of home insurance in California can vary depending on your city. Some cities might be more costly for home insurance based on location-specific risk factors. You can compare average home insurance rates in California by city using the table below.
Average Annual Premium in California Cities for Homeowners Insurance
| Anaheim | $479 | $1,082 |
| Apple Valley | $585 | $1,193 |
| Bakersfield | $492 | $1,067 |
| Chula Vista | $452 | $1,014 |
| Fontana | $575 | $1,177 |
| Fremont | $493 | $1,005 |
| Fresno | $477 | $1,050 |
| Irvine | $500 | $1,132 |
| Lancaster | $651 | $1,341 |
| Long Beach | $514 | $1,149 |
| Los Angeles | $647 | $1,406 |
| Modesto | $459 | $909 |
| Moreno Valley | $569 | $1,166 |
| Oakland | $598 | $1,215 |
| Oxnard | $408 | $804 |
| Rancho Cucamonga | $560 | $1,154 |
| Riverside | $561 | $1,202 |
| Sacramento | $470 | $1,058 |
| San Bernardino | $597 | $1,219 |
| San Diego | $450 | $968 |
| San Francisco | $534 | $1,086 |
| San Jose | $478 | $968 |
| Santa Ana | $482 | $1,097 |
| Santa Clarita | $577 | $1,159 |
| Santa Rosa | $411 | $864 |
| Stockton | $499 | $1,096 |
| Torrance | $474 | $941 |
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If cost is not a factor for you, Allstate emerged as the best homeowners insurance company overall in the United States based on MoneyGeek’s analysis. It offers the best balance of customer service, financial stability and cost.
We also reviewed the best homeowners insurance companies for different profiles to help you find the best provider for your needs.
Frequently Asked Questions About Home Insurance in California
To learn more about the cost of homeowners insurance in California, you can review answers to frequently asked questions below.
How much does homeowners insurance cost in California?
Homeowners insurance in California costs an average of $1,094 per year. California is one of the cheapest states for homeowners insurance, with an average rate of up to 55% less than the national average of $2,417.
How do I know how much dwelling coverage to get?
The average dwelling coverage for California is $500,000. However, the right dwelling coverage for you will depend on factors like the size and age of your home and other features. To get an accurate estimate of your dwelling coverage, consult a professional appraiser or your insurer.
Insurance
Methodology
To determine the average cost of homeowners insurance in California, MoneyGeek sourced pricing data from Quadrant Information Services.
MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance. This standard home profile consists of the following attributes:
- Construction year: 2000
- Construction type: Frame
- Composition roof
- Three-mile radius from the fire department
- Assumed value of other structures on the property: 10% of the dwelling coverage
- Personal property coverage: 40% of the dwelling coverage
- Liability limit: $100,000
- Deductible: $1,000
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.