Affordable Homeowners Insurance in California

Top Companies

Cincinnati

4.1
- Customized protection for luxury properties
- Various add-ons offered
- Marketed by independent local agents
- Customized protection for luxury properties
- Various add-ons offered
- Marketed by independent local agents
$1729

/ year

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AAA

4.0
- Regional clubs can customize coverage options to suit homeowners in different areas
- Members may receive extra AAA benefits
- Local agents are available
- Regional clubs can customize coverage options to suit homeowners in different areas
- Members may receive extra AAA benefits
- Local agents are available
$1949

/ year

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AARP

3.0
- Provides multiple optional coverages
- Accessible in 49 states plus Washington, D.C.
- Provides five discounts for homeowners insurance
- Provides multiple optional coverages
- Accessible in 49 states plus Washington, D.C.
- Provides five discounts for homeowners insurance
$1320

/ year

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Acceptance

4.1
- This insurer can insure homeowners in higher-risk situations
- Provides a typical selection of homeowners insurance plans
- User-friendly online tools for managing policies and submitting claims
- This insurer can insure homeowners in higher-risk situations
- Provides a typical selection of homeowners insurance plans
- User-friendly online tools for managing policies and submitting claims
$1820

/ year

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Adrianas

3.1
- Provides multiple coverage options for homeowners and renters across various dwelling types
- Agency model can simplify comparing quotes from numerous carriers
- Flood insurance option available
- Provides multiple coverage options for homeowners and renters across various dwelling types
- Agency model can simplify comparing quotes from numerous carriers
- Flood insurance option available
$2200

/ year

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American Modern

4.5
- Provides insurance for applicants turned down by standard homeowners policies
- Maintains an A+ (Superior) financial strength rating from AM Best
- Part-time protection offered for vacation properties and rental units
- Provides insurance for applicants turned down by standard homeowners policies
- Maintains an A+ (Superior) financial strength rating from AM Best
- Part-time protection offered for vacation properties and rental units
$2150

/ year

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California Casualty

4.1
- Teachers may add optional protection for personal items used in classroom instruction
- Up to $5,000 of theft protection for weapons for law enforcement officers or firefighters
- Flexible billing plan options available
- Teachers may add optional protection for personal items used in classroom instruction
- Up to $5,000 of theft protection for weapons for law enforcement officers or firefighters
- Flexible billing plan options available
$3457

/ year

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Connect

3.2
- American Family, the parent company, scored well in the 2024 J.D. Power U.S. Insurance Digital Experience Study for the shopping category
- Extensive array of possible discounts to reduce homeowners insurance costs
- Mine subsidence coverage available in select states
- American Family, the parent company, scored well in the 2024 J.D. Power U.S. Insurance Digital Experience Study for the shopping category
- Extensive array of possible discounts to reduce homeowners insurance costs
- Mine subsidence coverage available in select states
$1400

/ year

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Electric

3.3
- Replacement cost protection is provided at no extra charge
- The website features a useful coverage guide to assist shoppers in making an informed choice about their homeowners insurance plan
- Claims center is available 24/7
- Replacement cost protection is provided at no extra charge
- The website features a useful coverage guide to assist shoppers in making an informed choice about their homeowners insurance plan
- Claims center is available 24/7
$980

/ year

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Esurance

3.4
- Mobile-first interface for seamless policy management and claims
- Competitive pricing in many states
- Robust digital tools with 24/7 online support
- Mobile-first interface for seamless policy management and claims
- Competitive pricing in many states
- Robust digital tools with 24/7 online support
$1420

/ year

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Foremost

3.8
- Numerous endorsements offered for customizable policy options
- Flood coverage obtainable via the NFIP
- Insurance solutions for seasonal and vacant residences available
- Numerous endorsements offered for customizable policy options
- Flood coverage obtainable via the NFIP
- Insurance solutions for seasonal and vacant residences available
$3347

/ year

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Freeway

3.9
- Promotes affordable homeowners insurance
- Allows comparison of several home insurance quotes at once
- Promotes affordable homeowners insurance
- Allows comparison of several home insurance quotes at once
$1780

/ year

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More Insurance Options

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Popular Companies

USAA
4.8
Amica
4.6
Chubb
4.6
Progressive
3.7
Farmers
3.6
Erie
4.3
Allstate
4.2
State Farm
3.5
American Family
4.0
Liberty Mutual
3.8

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