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
Updated: November 13, 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.
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. These companies offer good pricing, reliable customer service and solid coverage options based on their MoneyGeek Scores.
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.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| 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
Our study found Chubb charges the highest rates for home insurance in California, though the company delivers exceptional service and coverage. J.D. Power ranked Chubb first for both customer satisfaction and claims satisfaction. Chubb offers specialized coverage for high-value homes through its Masterpiece Coverage and cyber protection options.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Good
1 claim in past 5 years
| 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 charges higher rates for home insurance in California, but the company earned the top coverage score in our study.
Nationwide's comprehensive coverage includes Brand New Belongings, which replaces damaged items with new ones and service line coverage for underground utility repairs. J.D. Power ranked Nationwide eighth overall for customer satisfaction and fifth for claims satisfaction.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| 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
Choosing a plan usually brings up plenty of questions, so we put together a simple guide to walk you through the process.
- 1Know Your Coverage Needs
Before choosing a home insurance policy, think about the coverage level you need. Consider your home's value, the belongings you want to protect and any local risks that might influence your coverage.
- 2Check Costs and Available 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.
- 3Find Providers That Match Your Coverage Priorities
Once you understand your coverage and budget, start narrowing down California's best and most affordable home insurance options. Use guides and your own research to review customer service ratings, pricing that matches your situation and coverage add-ons you might need.
- 4Compare Providers in Different Ways
Compare quotes from multiple sources to pinpoint your best option. Online quotes are helpful, but they may differ from estimates you receive from 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.