Best Homeowners Insurance Companies in California

State Farm is not only the best, but it also offers the state's most affordable coverage at $986 per year. The insurer provides replacement cost coverage for personal property, so you can replace belongings without depreciation deductions. State Farm includes additional living expenses coverage, essential for homeowners displaced by disasters like wildfires that frequently impact California.

State Farm charges $986 annually for homeowners insurance in California, 36% less than the state average of $1,543 and 72% below the national average of $3,467. It offers bundling discounts when you combine multiple policies and home security system discounts for protective devices.

State Farm earned 657 out of 1,000 points in the J.D. Power study, above the industry average of 642. It operates through local independent agents and direct sales. Local agents bring familiarity with California's unique insurance needs, offering homeowners personalized service. The company's mobile app provides easy claims filing, though it lacks some advanced digital features compared to tech-focused competitors.

State Farm provides standard homeowners coverage with optional add-ons:

• Personal articles policy: Covers high-value items like jewelry, art or collectibles against a broader set of risks than a standard policy
• Umbrella policy: Increases your personal liability protection beyond your homeowners and auto policies
• Service line coverage: Helps pay for repairs to underground utility lines on your property
• Sewer backup coverage: Covers water damage and cleanup costs from a sewer backup that starts inside your home
• Energy efficiency upgrade: Provides additional funds to upgrade damaged systems to more energy-efficient models
• Identity fraud protection: Can cover costs associated with restoring your identity if it's stolen

USAA is California's best home insurer for military members and veterans with rates averaging $1,351 a year. Its personal property coverage pays replacement cost, so you get the full value of damaged items, not a depreciated amount. Additional living expenses coverage is also included. This is good because in California, there are wildfires, earthquakes and other natural disasters that affect homeowners.

Home insurance in California is $1,351 a year. This cost is 12% below the state average of $1,543 and 61% below the national average of $3,467. You can decrease your premiums by bundling multiple policies and installing a home security system.

USAA scored 737 out of 1,000 in J.D. Power's customer satisfaction study. This is higher than the 642 industry average.

USAA's standard policy covers the basics, but consider these add-ons:

• Personal property replacement cost: Belongings covered at full replacement value with no depreciation
• Additional living expenses: Temporary housing and living costs while displaced from your home
• Dwelling coverage: Your home's structure against covered perils
• Personal liability: Legal costs if someone is injured on your property
• Medical payments: Medical expenses for guests injured on your property

Chubb's home insurance costs $1,843 a year in California. You get guaranteed replacement cost coverage, which pays the full rebuilding cost with no depreciation deductions. Personal property coverage covers art, jewelry and similar collections.

Chubb home insurance in California is $1,843 a year, 19% above the state average of $1,543. Bundling policies can save you more.

Chubb scored 677 out of 1,000 in J.D. Power's customer satisfaction study, above the 642 industry average.

Chubb's standard policy covers the basics. These add-ons provide you with more coverage:

• Guaranteed replacement cost: Full rebuilding costs without depreciation, even when expenses exceed policy limits
• Extended personal property coverage: High-value items: homes, art, jewelry and collections
• Water damage protection: Coverage for plumbing leaks and water-related incidents
• Ordinance or law coverage: Upgrades your home to current building codes after a covered loss
• Equipment breakdown: Mechanical failures of home systems and appliances
• Identity theft protection: Identity restoration expenses
• Cyber protection: Data breach and online fraud costs

Farmers is the fourth best home insurance in California. It includes additional living expenses coverage in its standard policy for $1,142 a year, which is uncommon in other providers. Coverage options are customizable, with pricing below the state average. Farmers works well for homeowners who want flexibility without paying for it.

The cost is $1,142 a year, 26% below the state average of $1,543 and 67% below the national average of $3,467. Bundling policies lowers the rate further. Installing a security system gets you more of a discount.

Farmers scored 631 out of 1,000 in J.D. Power's customer satisfaction study, 11 points below the 642 industry average.

Farmers' standard policy covers the basics. You should look at these add-ons as well:

• Dwelling coverage: Your home's structure against covered perils
• Personal property coverage: Belongings damaged or stolen from your home
• Liability protection: Legal costs if someone is injured on your property
• Additional living expenses: Temporary housing during home repairs
• Medical payments: Medical expenses for guests hurt on your property
• Equipment breakdown: Home systems and appliances against mechanical failures
• Water backup coverage: Sewer or drain backup damage
• Ordinance or law coverage: Upgrades your home to current building codes after a loss

Nationwide charges $1,377 annually for California home insurance and offers optional earthquake coverage for homeowners in seismically active regions. The insurer also offers water backup coverage for sewer and drain issues during heavy rain. Nationwide fits homeowners near fault lines or in flood-prone areas who want these add-ons at a lower rate.

Home insurance in California averages $1,543 annually. Nationwide charges $1,377, an 11% discount, and its premium sits far below the $3,467 national average. It rewards policyholders who bundle home and auto coverage or install home security systems with additional discounts.

California homeowners can choose between working with local independent agents or managing policies through Nationwide's digital platform. Nationwide earned 641 points in J.D. Power's satisfaction study, one point under the 642 industry average. Agents offer coverage recommendations suited to California's wildfire, earthquake and flood risks. The online portal lets homeowners file claims and update policies without an agent.

Nationwide homeowners policies include six coverage types, from standard dwelling protection to optional earthquake coverage:

• Earthquake coverage: Optional protection against seismic damage, important for homes in California's active fault zones
• Water backup coverage: Covers sewer and drain backups during heavy rain
• Dwelling coverage: Pays to repair or rebuild your home's structure and attached fixtures
• Personal property coverage: Covers belongings inside your home
• Liability protection: Pays legal costs if someone gets injured on your property
• Additional living expenses: Covers temporary housing costs during covered repairs