Affordable Homeowners Insurance in California

Top Companies

Geico

4.3
- Ability to manage both policies together
- Potential savings through bundling
- Certain underwriters might provide lower rates
- Ability to manage both policies together
- Potential savings through bundling
- Certain underwriters might provide lower rates
$1300

/ year

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Heritage

4.5
- Provides property coverage in states with elevated risk
- Local agents often have better knowledge of regional homeowners insurance markets
- Demotech financial stability rating: A (Exceptional)
- Provides property coverage in states with elevated risk
- Local agents often have better knowledge of regional homeowners insurance markets
- Demotech financial stability rating: A (Exceptional)
$5395

/ year

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Hippo

3.1
- Quick instant quotes
- Complimentary smart devices included with every policy
- Policies you can tailor to your needs
- Quick instant quotes
- Complimentary smart devices included with every policy
- Policies you can tailor to your needs
$920

/ year

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Homesite

3.9
- A wide range of homeowners endorsement choices can strengthen a policy
- Web-based customer portal enables policy management
- Several discounts available for homeowners insurance
- A wide range of homeowners endorsement choices can strengthen a policy
- Web-based customer portal enables policy management
- Several discounts available for homeowners insurance
$1772

/ year

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Infinity

3.4
- Competitive rates for non-standard risks
- Flexible coverage options for diverse needs
- Specialized discounts for bundle policies
- Competitive rates for non-standard risks
- Flexible coverage options for diverse needs
- Specialized discounts for bundle policies
$1380

/ year

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Kin

2.9
- Distinct pricing model
- Offered in high-risk regions
- Policies for landlords, condos, high-value properties, and customizable options available
- Distinct pricing model
- Offered in high-risk regions
- Policies for landlords, condos, high-value properties, and customizable options available
$1020

/ year

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MAPFRE

4.1
- Average premiums are typically well below the national average
- Local agents on hand
- MAPFRE Select Home Restoration Program speeds up claims processing
- Average premiums are typically well below the national average
- Local agents on hand
- MAPFRE Select Home Restoration Program speeds up claims processing
$1345

/ year

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Mercury

3.6
- Replacement cost coverage for extended dwelling available
- Coverage for valuable items available
- Discounts available for protective devices and fire-resistant construction
- Replacement cost coverage for extended dwelling available
- Coverage for valuable items available
- Discounts available for protective devices and fire-resistant construction
$819

/ year

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National General

4.0
- Custom360 coverage plans could simplify the quoting process
- Offers more promoted discounts than certain rivals
- Wide range of coverage choices and endorsements
- Custom360 coverage plans could simplify the quoting process
- Offers more promoted discounts than certain rivals
- Wide range of coverage choices and endorsements
$1654

/ year

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Pronto

3.3
- Relatively high coverage caps
- Provides multiple useful endorsements
- Available bilingual agents
- Relatively high coverage caps
- Provides multiple useful endorsements
- Available bilingual agents
$1540

/ year

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Root

3.8
- Get a quote online
- Multiple optional coverages offered
- Condo and renter policies available
- Get a quote online
- Multiple optional coverages offered
- Condo and renter policies available
$1350

/ year

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Safeco

3.9
- Six homeowner policy endorsements
- Labor and materials warranty through the Guaranteed Repair Network
- Substantial multi-policy discount
- Six homeowner policy endorsements
- Labor and materials warranty through the Guaranteed Repair Network
- Substantial multi-policy discount
$1600

/ year

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