California Homeowners Insurance

California homeowners insurance on average costs about $1,008 a year for an HO3 policy, but where you buy your coverage from can make all the difference in the amount of protection you actually have. 

More than 2 million California homes are at high or extreme wildfire risk, and many insurance companies are dropping customers, leaving homeowners with wildfire exposure in the lurch. Cost matters, but don’t settle for a policy that leaves you unprotected for wildfire damage.

Let’s look at what it takes to offer the best homeowners insurance in California. And if you want to see what it means firsthand, apply now for a home insurance quote from Kin.


Insurance claims from the Camp, Hill, and Woolsey fires totaled more than $12 billion.

– Insurance Information Institute

Best California Homeowners Insurance: What to Expect with Kin 

kin californiaKin’s California home insurance is backed by Falls Lake Fire and Casualty Company, which is rated A- (Excellent) by A.M. Best. That indicates the financial stability to pay out claims even after widespread disasters. So now that you know your claims are covered, let’s talk specifics.

Our California homeowners insurance covers the essentials:

  • Your dwelling
  • Your belongings
  • Other structures (like a garage, fence, greenhouse, etc.)
  • Loss of use (when a covered incident means you have to rent a place while repairs are underway)
  • Personal liability (when Fido gets his bite on)
  • Medical expense payments (when your guest takes a spill and has a small injury)

But it’s the customization that makes Kin’s policies special.

What Does California Homeowners Insurance Cover? 

Kin’s HO3 policy protects your home against a variety of losses. It can cover damage for all perils except those explicitly excluded in the policy, such as damage from earth movement (think: earthquakes, sinkholes, and mudslides). That said, in most cases, you can add on coverage for excluded losses. For example, if you need earthquake insurance, just ask us for details.

Additionally, our California homeowners insurance offers:

  • Wildfire coverage
  • Coverage for all dog breeds when you add on animal liability coverage (no breed-based restrictions! Give your German shepherd a hug from us)
  • Green home increased cost coverage (so you can rebuild with green-certified materials)

Who We Serve

We serve all areas of California, including:

  • Los Angeles
  • San Diego
  • San Jose
  • San Francisco
  • Fresno
  • Sacramento
  • Long Beach
  • Oakland
  • Bakersfield
  • Anaheim

“The absolute best insurance company I have ever worked with in my life without exception. I will never again use another insurance company.” – Vicki O.

How Much Is Homeowners Insurance in California?

The national average for homeowners insurance is $1,211 a year, but Californians typically pay $1,008 a year for their coverage. However, your cost may vary depending on your home’s location, its replacement cost, its age and size, the type of personal property you have, and other characteristics of your home.

The best way to find out how much your homeowners insurance will cost? Get a quote today.

State Average Premium
California $1,008
Florida $1,091
Texas $1,893

While you can’t control some factors that impact the price of your home coverage, like your home's age or its location, you can reduce your insurance costs in other ways.

home insurance discounts 2

California Homeowners Insurance Discounts

Kin offers premium discounts for homeowners who:

  • Have ember resistant venting
  • Have an annual brush removal contract for their property
  • Comply with defensible space regulations
  • Have a LEED certified home 
  • Have smart home safety and security devices
  • Belong to a homeowners association
  • Are new homebuyers
  • Have a clean claims history
  • Have homes built by an accredited builder

And remember, you can adjust your deductible to save some money, too. Typically, the higher your deductible, the lower your premium. Just make sure you only choose a deductible you can reasonably cover when it’s time to make a claim.

Do You Have to Have Homeowners Insurance in California?

You are not legally required to have homeowners insurance in California, but if you have a mortgage, your lender will require it.  Your mortgage lender requires you to have homeowners insurance for two reasons:

  • To protect their investment. Your policy ensures you can pay your remaining mortgage even if your home is completely destroyed in a natural disaster like a wildfire. 
  • To keep you from paying for a destroyed home you can’t repair. The requirement is good for you, too – imagine repaying a mortgage for a home you can’t afford to rebuild. 

Defaulting on a mortgage for a home is one thing – it can always be repossessed and resold. But if the home is completely destroyed and you don’t have insurance, your mortgage company would have to pay to rebuild it. No lender wants that.

Top Risks for California Homeowners

The risks your home faces depend on your location and your home's characteristics. However, in California, these are the biggest risks most properties face.

Top Perils for California Properties

Risk Reason
Wildfires More than 2 million California homes at high or extreme wildfire risk, and the fire and lightning claims average $68,322 per incident.
Floods California is prone to riverine flooding, which happens when extended rainfall causes rivers to exceed their capacity. 
Earthquakes Eight of the ten costliest US earthquakes in the last century all occurred in California.
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California Homeowners Insurance Tips

  • Always make sure your home insurance policy offers wildfire coverage, even if you’re in an area that hasn’t been impacted by wildfires before.

  • Review your policy with us every year – it’s a great opportunity to see if you qualify for additional discounts and to make sure your home, structures, and belongings are still adequately covered.

  • Understand how claims work. We acknowledge all claims made in 15 days or fewer. California law allows us 40 days to accept or deny a claim after receiving and verifying the proof of loss. All accepted claims are paid within 30 days of the settlement (if not sooner).

See How Much You Can Save

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