California Insurance Rates:

California, MD homeowners insurance is approximately $595 to $811, about $49-$67/month. Our all inclusive analysis shows customers can save as much as $281 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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California, MD Homeowners Insurance By Home Value

California, MD Home Value Total Homes % of Total Average California, MD Homeowners Insurance
Less than $50,000 63 2.0% $63
$50,000 to $59,999 27 1.0% $133
$100,000 to $124,999 80 3.0% $281
$125,000 to $149,999 38 1.0% $351
$150,000 to $174,999 243 9.0% $421
$175,000 to $199,999 117 4.0% $485
$200,000 to $249,999 602 23.0% $583
$250,000 to $299,999 640 25.0% $710
$300,000 to $399,999 724 28.0% $906

Top Home Insurance Agents Near California, MD

Home Insurance Company Near California, MD Homeowners Insurance Agency Near California, MD Address
Travelers Ashley Insurance Inc 38 S Harrison St, EASTON, MD, 21601
State Farm Barry Pope 9440 Pennsylvania Ave Ste 305, Uppr Marlboro, MD, 20772-3659
Erie Craig S Mader Insurance Agency Inc. 1388 Defense Hwy, Gambrills, MD, 21054
State Farm John O'Connor Jr 4600 Duke St Ste 412, Alexandria, VA, 22304-2517
State Farm Otis Coates 3020 Saint Clair Dr, Marlow Hgts, MD, 20748-1639

Cost Of Homeowners Insurance By Street Near California, MD

Streets in California Area Homeowners Insurance Cost
Patuxent Blvd, Pine View Ln, Rue Woods Dr, Onion Fields Ln, Victorian Dr, Brook Dr, Brown St, Chickadee Cir, Pegg Rd, Holly Ct$701
Overcup Dr, Thompson Ct, Stoneybrook Ct, Church Rd, Christy Ct, Hickory Ln, Buttercup Ln, Kesarge Pl, Western Branch Ln, Rumsford Ln$699
Cornwall Dr, Ranger Rd, Myrtle Point Rd, Cecil Rd, Boatner Dr, Pegg Ln, Kingston Ln, Mercedes Dr, Shady Mile Dr, Stoneybrook Dr$708
Great Mills Rd, Oak Dr, Pow Wow Pl, Halford Ln, Great Mills Ln, Krystal Ln, Barefoot Dr, Bean Family Ln, Swanfall Way, Amber Dr$702
Wilson Ct, Western Ranch Rd, Fox Ridge Rd, Fire Dept Ln, Roper Rd, Buck Hewitt Rd, Elliott Ct, Johnson Pond Ln, Monterey Ln, Halsey Ct$692

California, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
California$105 to $107
Solomons$111
Drum Point$108
Lexington Park$104

California, MD Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Solomons CDP, Maryland $93 $123 $185
Drum Point CDP, Maryland $90 $120 $180
Lexington Park CDP, Maryland $87 $115 $173

California, MD Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
California, MD3.3%11.2%
Solomons2.77%9.7%
Drum Point2.97%10.67%
Lexington Park2.83%8.5%

California Renters Insurance as a Percentage of Rent

California Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 18 1.0% $333
$300 to $499 15 1.0% $1233
$750 to $999 87 6.0% $2658
$1,000 to $1,499 575 43.0% $3783
$1,500 or more 604 46.0% $5433

Average Cost Of Home Insurance By Company In Areas Nearby California For Different Scenarios

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
430,000 1,000 Frame 10 Allied Property & Casualty Insurance Co. n/a
280,000 500 Frame 35 Brethren Mutual Insurance Co. 758
330,000 500 Frame 25 Cumberland Mutual Fire Insurance Co. 1,183
330,000 500 Frame 25 Ids Property Casualty Ins. Co. 1,512
380,000 1,000 Masonry 15 Liberty Insurance Corp. 1,332
280,000 500 Frame 35 Lititz Mutual Insurance Co. 1,257
330,000 500 Frame 25 Metropolitan Property And Casualty Ins. 1,903
380,000 1,000 Masonry 15 Teachers Insurance Co. 867
430,000 1,000 Frame 10 Teachers Insurance Co. 1,088
280,000 500 Frame 35 Universal Property & Casualty Ins. Co. 1,248

California, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly California Homeowner Insurance Premium Example $1,400$1,000
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,700$10,900
Net Savings to California Home Owner from High Deductible Plan $800

California, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario California, MD Home Replacement Value MORE than Home Value California, MD Home Replacement Value LESS than Home Value
Replacement Value $258,500 $173,000
Insurance Premium based on Replacement Value $1,550 $1,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $30,500 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $325/year Insurance costlier by $175/year

Example California Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateAmica Mutual Insurance Company
Monthly Premium 66198265
Year Built 198819731997
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $175000-$200000$500000-$600000$600000-$700000
Deductible $500- $1000 Deductible$500- $1000 Deductible$500 Deductible

Sample Home Insurance Rates for California, MD from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 185,000 Tile Roof 1,290 3 $5000 to $10,000 Deductible 500 9 Brick siding No
2007 235,000 Metal Roof 1,920 3 $500 Deductible 80 1 Stucco siding yes
2009 445,000 Tile Roof 3,020 5 $500- $1000 Deductible 1690 10 Vinyl siding No
2014 520,000 Asphalt Shingles Roof 3,170 4 $1000-$2500 Deductible 170 1 Wood siding yes
1971 320,000 Slate Shingles Roof 2,660 5 $2500-$5000 Deductible 440 4 Stone Siding No
2012 430,000 Membrane Roof 3,430 5 $1000-$2500 Deductible 1940 10 Stone Siding No
1997 190,000 Composition Roof 1,410 3 $5000 to $10,000 Deductible 580 9 Fiber-Cement Siding yes
2012 480,000 Wood Shake Roof 3,150 5 $500 Deductible 180 1 Vinyl siding No
2004 210,000 Wood Shake Roof 1,280 3 $5000 to $10,000 Deductible 270 4 Stone Siding No
2014 265,000 Shingles Roof 1,710 3 $1000-$2500 Deductible 440 6 Stucco siding No
1993 380,000 Composition Roof 3,030 4 $2500-$5000 Deductible 320 2 Brick siding yes
1985 240,000 Metal Roof 1,970 3 $2500-$5000 Deductible 490 6 Vinyl siding No
1989 230,000 Membrane Roof 1,370 3 $1000-$2500 Deductible 520 6 Stone Siding No
1982 415,000 Shingles Roof 3,360 5 $5000 to $10,000 Deductible 540 4 Vinyl siding yes
2010 520,000 Metal Roof 3,190 4 $2500-$5000 Deductible 130 1 Brick siding yes
2008 310,000 Metal Roof 2,210 4 $500 Deductible 470 3 Stucco siding No
1980 355,000 Metal Roof 2,680 4 $1000-$2500 Deductible 480 4 Vinyl siding yes
1981 235,000 Slate Shingles Roof 1,850 3 $2500-$5000 Deductible 80 1 Vinyl siding No
1985 225,000 Wood Shake Roof 1,600 3 > $10,000 Deductible 360 7 Fiber-Cement Siding yes
1972 215,000 Tile Roof 1,730 3 $500- $1000 Deductible 480 5 Stucco siding No
1998 505,000 Wood Shake Roof 3,320 4 $500- $1000 Deductible 1240 6 Wood siding yes
1991 380,000 Slate Shingles Roof 2,810 4 $500 Deductible 2700 12 Vinyl siding yes
1984 505,000 Membrane Roof 3,070 4 $5000 to $10,000 Deductible 1380 12 Brick siding yes
1993 420,000 Slate Shingles Roof 2,950 4 > $10,000 Deductible 740 7 Stone Siding No
2014 260,000 Tile Roof 2,200 3 $500- $1000 Deductible 1230 10 Vinyl siding No
1985 285,000 Slate Shingles Roof 1,970 4 $5000 to $10,000 Deductible 570 9 Stucco siding No
1994 270,000 Tile Roof 1,950 3 $500 Deductible 1240 12 Vinyl siding No
2012 730,000 Slate Shingles Roof 4,890 5 $5000 to $10,000 Deductible 1110 5 Vinyl siding yes
1977 540,000 Metal Roof 4,140 5 $5000 to $10,000 Deductible 1500 10 Brick siding yes
2006 255,000 Wood Shake Roof 2,180 5 > $10,000 Deductible 280 4 Stucco siding No
2008 390,000 Metal Roof 2,820 4 > $10,000 Deductible 970 8 Fiber-Cement Siding yes