Best Cheap Homeowners Insurance In California 2022
Best Cheap Homeowners Insurance In California 2022

Finding the best home insurance rates is a priority for many homeowners. Comparison shopping is the best way to find the insurance you need at a reasonable price. We’ve evaluated the average rates of California’s major home insurance companies to help you find an affordable policy.

Cheap home insurance cost comparison in California

Home insurance rates in California vary from one insurance company to another. Before you buy, shopping from multiple companies will help you find the right insurance for your needs at the best price.

Company Average annual premium in California
Allstate $718
Mercury $736
National General $778
Lemonade $784
Travelers $890
Nationwide $952
State Farm $965
Automobile Club of Southern California $1,003
CSAA Insurance Group $1,066
USAA $1,097
Farmers $1,352
AIG $1,771
Hartford $1,898
Chubb $2,386
Source: Quadrant Information Services, based on dwelling coverage of $300,000

Cost Factors of Home Insurance
Your ability to get cheap home insurance in California depends on many evaluation factors, such as:

  • Materials that make up your home
  • The age of your home
  • The cost of rebuilding the house
  • Your personal claims history
  • Claim history for your location
  • Fire rating of your location
  • Covered Amounts and Policy Limits
  • Your deductible.

What does homeowners insurance cover?


Therefore Standard Home Insurance (aka HO-3) can protect your home from any issues not expressly excluded in your policy. Common exclusions include earthquakes, floods, sinkholes, power outages, neglect, wear and tear and intentional damage.

Therefore Personal property (your belongings) is covered under certain “risks” in standard home insurance. Vandalism, theft, fire, lightning and explosions are just some of the issues covered by home insurance.

Standard home insurance policies include the following main types of coverage:

  • Home: A primary insurance policy that pays for repairs or rebuilding if your home is damaged due to an insurance issue. In addition, it includes ancillary structures such as patios or garages.
  • Other Structures: This includes the cost of repairing or replacing structures not related to your home, such as: B. Fences or in-ground swimming pools.
  • Personal Property: If your property is damaged by an insured event such as fire or theft, this fee will cover the cost of repair or replacement. Your personal items include your clothing, jewelry, electronics, furniture, kitchen utensils and other items.
  • Liability: This includes property damage and injury to others that you accidentally cause. For example, if a visitor is seriously injured after falling down icy stairs, your home liability insurance can pay for it. If a lawsuit does occur, it may also result in a court judgment against you and your legal defense costs.
  • Medical Expenses Paid to Others: This includes minor medical claims for people injured in your household (non-family members), whether at fault or not. For example, if a guest slips and is injured on an unsafe carpet, health insurance can pay for their medical bills. Smaller amounts of coverage, such as B. $1,000.
  • Extra Living Expenses: If you are unable to live in your home due to an issue covered by your policy (such as a fire), Extra Living Expenses insurance will reimburse you for additional expenses such as hotel bills, restaurant meals and other necessary services such as storage.

What does homeowners insurance not cover?

Common exclusions in a standard California home insurance policy include issues such as earthworks (including earthquakes, landslides, sinkholes, and mudslides), floods, power failures, nuclear hazards, war, neglect or wear and tear, pest and insect infestations, and intentional loss.


Does not include “regulations or laws,” which means home insurance won’t pay to bring your home up to par, only to restore it to its pre-loss condition. If the home builder has to comply with the new rules when repairing or rebuilding your home, you will be responsible for paying these additional costs unless you pay an endorsement that covers these costs.

Therefore It is always recommended that you read your policy carefully to understand what is not covered.

Wildfires in california

As the third largest state, California has experienced quite a few disasters. Its nearly 164,000 square miles cover a variety of terrain, including coastal beaches, forests, deserts, and mountains that experience a variety of weather conditions and hazards.


Fires have been the runaway “winners” of the biggest disaster to hit the Golden State over the past 65+ years, with more than 250 incidents.

Drought, low rainfall and reduced snow cover have made fire a major problem, especially in recent years. By 2022, 2,504 wildfires have destroyed more than 11,400 hectares. Here are the worst wildfires in California as of June 8, 2022.

Top wildfires in California in 2022

Name of wildfire Start date County Acres burned Containment
Airport fire Feb. 16 Inyo 4,136 100%
Colorado fire Jan. 21 Monterey 687 100%
Edmonston fire May 19 Kern 682 100%
River fire May 24 Colusa 595 100%
Old fire May 31 Napa 570 100%
Elk fire May 26 San Bernardino 431 100%
Coastal fire May 11 Orange 200 100%
House fire May 11 Fresno 171 100%
Emerald fire Feb. 9 Orange 154 100%
Quail fire May 21 Solano 135 100%
Source: Cal Fire, as of June 8, 2022

Wildfires are only expected to get worse this year. The state is off to its driest start since the 19th century and the United States. Much of California is suffering from extreme drought, Drought Monitor said.

A homeowner’s policy usually covers losses from wildfires, but if your home is damaged or destroyed by wildfires, it’s important to make sure you have adequate coverage to cover all costs.

California homes at risk of wildfire damage

In California, 41% of properties have at least a 0.03% chance of being damaged by wildfires this year. That’s more than 4.6 million households, according to the First Street Foundation.

Wildfire risk has risen sharply in some California counties over the past 30 years, particularly in Sonoma, Napa and Marin counties.

“Environmental changes have led to increased forest fires. Notably, these changes include increased temperatures, prolonged drought conditions, changes in moisture patterns, and increased fuel availability in the form of growing and drying vegetation,” the report said.

California counties with the most properties at risk of wildfires in 2022

County Number of properties with at least 0.03% risk this year Percentage of properties with at least 0.03% risk this year
Riverside 684,400 77.2%
Los Angeles 514,500 24.6%
San Bernardino 471,700 57.4%
San Diego 277,400 37.3%
Kern 236,300 58.2%
Contra Costa 177,000 49%
Sacramento 173,600 37.7%
Ventura 154,300 59.9%
Fresco 152,700 50.1%
Placer 128,800 72.4%
Source: First Street Foundation

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