The best home insurance companies in California are State Farm, Allstate, Travelers, Nationwide and Chubb. State Farm leads in affordability, Chubb excels in customer service, and Nationwide ranks first for coverage options. Compare all our top picks below.
Best Homeowners Insurance in California
State Farm is the best home insurance provider in California, earning a MoneyGeek score of 92 out of 100 and excelling in all five key homeowner insurance categories.

Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in California are State Farm, Allstate and Travelers.
State Farm offers the best overall home insurance for most California homeowners and for those living in high-fire-risk areas.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Who Are Best Home Insurance Companies in California?
State Farm | 92 | 1 | 2 | 4 |
Allstate | 76 | 2 | 5 | 4 |
Travelers | 74 | 3 | 4 | 2 |
Nationwide | 69 | 4 | 3 | 1 |
Chubb | 62 | 5 | 1 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
State Farm | 92 | Overall |
State Farm | 92 | Older Homes |
State Farm | 92 | Newer Homes |
State Farm | 92 | High-Fire-Risk Areas |
State Farm | 92 | With Claims History |
Best California Home Insurance by City
Home insurance provider rankings in various cities can differ depending on affordability, local customer service and available add-on coverages. For example, State Farm ranks best in Anaheim and Ventura and leads in Antioch. To help you make the right choice, we've highlighted the top providers for each city.
Best California Home Insurance Reviews
Explore the top home insurance providers in California, showcasing those excelling in affordability, customer service, and comprehensive coverage options, all evaluated by MoneyGeek Score.
State Farm: Best for Affordability
For most homeowners in California, we found that State Farm is the most affordable option for home insurance. It also ranked as the best company for all categories in our study. According to J.D. Power, State Farm places seventh in customer satisfaction, above the average for national providers. State Farm also offers unique coverage options, like its extended replacement cost reimbursement.
Newer Homes | $54 | $644 |
Newer Homes in High-Fire-Risk Areas | $54 | $644 |
Older Homes in High-Fire-Risk Areas | $105 | $1,259 |
Older Homes | $105 | $1,259 |
Chubb: Best for Customer Service
According to our study, Chubb is the least affordable option for home insurance in California, but it offers strong customer service and coverage options. According to J.D. Power, it is the top-rated company in terms of customer satisfaction and claims satisfaction, showing its commitment to its clients. It also has unique coverages, including some tailored to high-value homes, such as its Masterpiece Coverage and cyber protection.
Newer Homes in High-Fire-Risk Areas | $59 | $708 |
Newer Homes | $59 | $708 |
Older Homes in High-Fire-Risk Areas | $73 | $873 |
Older Homes | $73 | $873 |
Nationwide: Best for Coverage
Nationwide is a more expensive home insurance option in California; however, its coverage scores are number one in our study. Its comprehensive coverage includes unique add-ons like Brand New Belongings, which replaces damaged items with new ones, and service line coverage, which helps pay for underground utility repairs. In customer service, Nationwide ranks among the top insurers, placing eighth overall and fifth in claims satisfaction, according to J.D. Power.
Newer Homes | $40 | $477 |
Newer Homes in High-Fire-Risk Areas | $48 | $572 |
Older Homes | $102 | $1,222 |
Older Homes in High-Fire-Risk Areas | $122 | $1,465 |
How to Find the Best Home Insurance in California
Selecting the best insurance plan can be tough, so we've crafted a straightforward guide to help you find the coverage that suits your needs perfectly.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in California to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for California's best and cheapest home insurance. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
Compare providers to find the best option. Check quotes using various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in California: Bottom Line
State Farm, Allstate and Travelers are California's best-rated homeowners insurance providers. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in California: FAQ
To help you choose wisely, we've answered common questions about selecting a home insurance provider in California.
Which company is best for home insurance in California?
State Farm is the best homeowners insurance provider in California due to its outstanding affordability, customer service, and coverage options. Allstate, Travelers, Nationwide, and Chubb are also top-rated choices for homeowners in California.
Who has the most affordable homeowners insurance in California?
The most affordable homeowners insurance in California varies based on individual circumstances. However, the average cost in California is $1,171 annually.
How do you get the best homeowners insurance in California?
To find the best home insurance in California, assess your coverage necessities, research insurer costs and service, and solicit and compare several quotes.
How We Decided the Best Home Insurance in California: Our Methodology
We rated the best homeowners insurance providers in California using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.