Best Homeowners Insurance in California


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in California are State Farm, Allstate and Travelers.

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State Farm offers the best overall home insurance for most California homeowners and for those living in high-fire-risk areas.

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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.

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Who Are Best Home Insurance Companies in California?

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.

State Farm92124
Allstate76254
Travelers74342
Nationwide69431
Chubb62512

*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 Farm92Overall
State Farm92Older Homes
State Farm92Newer Homes
State Farm92High-Fire-Risk Areas
State Farm92With 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.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History: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

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.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History: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 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.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History: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

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. 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. 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. 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. 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?

Who has the most affordable homeowners insurance in California?

How do you get the best homeowners insurance in California?

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 headshot

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.


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