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Who has the best home & renters insurance in California in 2019

Updated • 11 months 4 weeks ago

We have read many articles, reviews and studies on topics related to home and renters insurance in California and evaluated the best homeowners and renters insurance companies of 2018 based on ratings and customer reviews. In general, the best (most popular) homeowners insurance companies in California are Liberty Mutual, Farmers, Allstate, State Farm, Travelers and Mercury. As you can see in below table, Mercury Insurance Company have the cheapest homeowners coverage with around $500 from all other careers in the area. Home insurance from Travelers (insurance company) is second best option when searching low cost homeowners policy.

Which insurer has the best homeowners quotes?

Lowest rates $300
Your rates Ask for quotes
Average rates $1000
Highest rates $1700
All prices are indicative and the final cost may vary depending on the type of homeowner policy - You can ask for more accurate quotes.

Average home insurance rates in California (H0-3 policy)

Amount of home insurance Average annual (CA) Average annual (nationwide)
$49,999 and less $340 $370
$50,000 to $74,999 $380 $710
$75,000 to $99,999 $440 $780
$100,000 to $124,999 $490 $800
$125,000 to $149,999 $540 $840
$150,000 to $174,999 $580 $870
$175,000 to $199,999 $620 $910
$200,000 to $299,999 $720 $1,000
$300,000 to $399,999 $870 $1,200
$400,000 to $499,999 $1,060 $1,440
$500,000 and more $1,700 $2,140

California home insurance rates by ZIP code

  • 92086- WARNER SPRINGS: $1,200
  • 92036- JULIAN: $1,200
  • 92066- RANCHITA: $1,200
  • 94040- MOUNTAIN VIEW: $500
  • 94306- PALO ALTO: $500
  • 95050- SANTA CLARA: $550

Who has the cheapest California homeowner insurance?

$200,000 dwelling/$1,000 deductible/$100,000 liability Rate
Mercury $490
Travelers $730
Allstate $800
State Farm $850
Liberty Mutual $920
Farmers $960
Partial data source: insurance.com
$200,000 dwelling/$1,000 deductible/$300,000 liability Rate
Mercury $510
Travelers $750
Allstate $840
State Farm $870
Liberty Mutual $950
Farmers $980
 
$300,000 dwelling/$1,000 deductible/$300,000 liability Rate
Mercury $640
Travelers $1,000
State Farm $1,200
Allstate $1,200
Liberty Mutual $1,490
Farmers $1,600
 
$400,000 dwelling/$1,000 deductible/$300,000 liability Rate
Mercury $800
Travelers $1,300
State Farm $1,570
Allstate $1,610
Liberty Mutual $2,000
Farmers $2,300
 
$500,000 dwelling/$1,000 deductible/$300,000 liability Rate
Mercury $960
Travelers $1,590
State Farm $1,950
Allstate $2,050
Liberty Mutual $2,530
Farmers $3,000
 
$600,000 dwelling/$1,000 deductible/$300,000 liability Rate
Mercury $1,110
Travelers $1,880
State Farm $2,320
Allstate $2,510
Liberty Mutual $3,110
Farmers $3,720
unknown 90%

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