Homeowners Insurance California

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Average Homeowners Insurance in California: $630

Median Home Price in California: $395,000

California homeowners insurance rates in December 2013 stood at an average of $630 as compared to $640 in November 2013.

Insurance Premium Saving Tips in California

  • Bundle your insurance:

    Bundling home and car insurance in California with the same provider will have approximately $63 to $95 of savings in California

  • Safety Systems:

    Having safety systems at home can save up to $110 in California

  • New Home:

    If your home was built within the past 10 years in California, you could save up to $126

  • Senior Discounts:

    Senior citizens (55 or older) in California could save approximately $126


Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under130
$50,000 to $74,999379
$75,000 to $99,999451
$100,000 to $124,999487
$125,000 to $149,999529
$150,000 to $174,999570
$175,000 to $199,999612
$200,000 to $299,999713
$300,000 to $399,999865
$400,000 to $499,9991,049
$500,000 and Over1,682

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under150
$14,000 to $19,999151
$20,000 to $25,999173
$26,000 to $31,999185
$32,000 to $37,999187
$38,000 to $43,999223
$44,000 to $49,999221
$50,000 to $74,999278
$75,000 to $99,999 357
$100,000 and Over569

Average homeowners insurance by county

CountyHome Insurance Cost
Mono County$525 to $723
Lake County$508 to $690
San Bernardino County$515 to $696
Contra Costa County$541 to $733
Fresno County$511 to $692
San Francisco County$583 to $791
Placer County$531 to $717
Alameda County$552 to $747
Sonoma County$540 to $732
Monterey County$534 to $725
San Joaquin County$513 to $694
Stanislaus County$508 to $688
Kern County$505 to $684
Sacramento County$516 to $698
San Mateo County$582 to $787
Riverside County$516 to $698
Marin County$591 to $802
Butte County$514 to $696
Sutter County$510 to $690
Solano County$522 to $705
Glenn County$511 to $695
Santa Cruz County$560 to $759
Napa County$544 to $738
Calaveras County$519 to $704
Plumas County$514 to $701
Tuolumne County$520 to $705
Del Norte County$511 to $696
Shasta County$514 to $695
Madera County$510 to $692
Santa Barbara County$547 to $742
Tehama County$507 to $688
San Benito County$530 to $720
San Luis Obispo County$543 to $735
El Dorado County$533 to $723
Tulare County$506 to $684
Kings County$508 to $688
Lassen County$507 to $688
Yuba County$506 to $686
Colusa County$509 to $693
Modoc County$503 to $683
Siskiyou County$510 to $693
Mendocino County$529 to $718
Ventura County$545 to $738
Inyo County$514 to $699
Nevada County$533 to $723
Trinity County$516 to $701
Humboldt County$522 to $708
Orange County$556 to $750
Alpine County$526 to $727
Mariposa County$514 to $699
Los Angeles County$543 to $733
Sierra County$509 to $711
Imperial County$504 to $681
Santa Clara County$572 to $773
San Diego County$539 to $729
Yolo County$527 to $713
Merced County$504 to $681
Amador County$520 to $706

Recent home insurance reviews

Company: State Farm,
Location: Camarillo, CA 93012

I pay about $65/month for my home insurance. My current insurance provider is State Farm. My house is covered up to $450,000. I would rate State Farm 4 out of 5. I haven’t used my home insurance for anything yet but I think their customer service is pretty good. I live in Camarillo, CA 93012. I’ve been with State Farm for about 3 years now. As I mentioned earlier, I think their customer service is pretty good. I don’t like that their office closes early on the weekend. I’m 27, female, and single. My house was built in 1990. It has 3 bedrooms and 2 bathrooms.


Home Insurance Monthly Trends

The below graph compares Californias home median prices against, renters and owners home insurance average rates in California.

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