Learn how to find affordable home insurance in California.
Note: Kin currently doesn’t offer home insurance in California, but we’re expanding! Stay tuned.
California homeowners insurance costs $1,188 a year on average from Kin. Our HO3 policies cover your home, belongings, other structures, personal liability, loss of use, medical payments, and more. We know California’s wildfire seasons are a big concern, and we’ve designed our coverage to be there for you no matter what.
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.
Insurance claims from the Camp, Hill, and Woolsey fires totaled more than $12 billion.
Kin’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:
But it’s the customization that makes Kin’s policies special.
Yes. Kin’s HO3 policy protects your home against a variety of losses, including wildfires. 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 green home increased cost coverage (so you can rebuild with green-certified materials).
“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.
The national average for homeowners insurance is $1,211 a year, but our average premium for California is $1,188 a year. 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.
| Company | Average Premium |
|---|---|
| Kin | $1,188 |
| Allstate | $1,304 |
Where you live also impacts your premiums. Here’s a look at our California average premiums by county.
| County | Average Premium |
|---|---|
| Alameda | $1,149 |
| Amador | $1,536 |
| Butte | $1,055 |
| Calaveras | $1,585 |
| Colusa | $822 |
| Contra Costa | $1,213 |
| Del Norte | $721 |
| El Dorado | $1,745 |
| Fresno | $546 |
| Glenn | $680 |
| Humboldt | $853 |
| Imperial | $566 |
| Inyo | $958 |
| Kern | $621 |
| Kings | $446 |
| Lake | $1,230 |
| Lassen | $1,129 |
| Los Angeles | $1,388 |
| Madera | $689 |
| Marin | $2,273 |
| Mariposa | $1,663 |
| Mendocino | $1,411 |
| Merced | $478 |
| Modoc | $953 |
| Mono | $1,738 |
| Monterey | $1,134 |
| Napa | $1,246 |
| Nevada | $1,890 |
| Orange | $1,640 |
| Placer | $1,356 |
| Plumas | $1,161 |
| Riverside | $1,095 |
| Sacramento | $644 |
| San Benito | $1,091 |
| San Bernardino | $1,094 |
| San Diego | $1,135 |
| San Francisco | $1,604 |
| San Joaquin | $649 |
| San Luis Obispo | $947 |
| San Mateo | $1,455 |
| Santa Barbara | $1,449 |
| Santa Clara | $1,206 |
| Santa Cruz | $1,631 |
| Shasta | $1,095 |
| Sierra | $1,229 |
| Siskiyou | $1,155 |
| Solano | $801 |
| Sonoma | $1,336 |
| Stanislaus | $505 |
| Sutter | $649 |
| Tehama | $808 |
| Trinity | $1,749 |
| Tulare | $503 |
| Tuolumne | $1,472 |
| Ventura | $1,387 |
| Yolo | $717 |
| Yuba | $781 |
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.
Kin offers premium discounts for homeowners who:
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.
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:
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.
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.
| 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. |
Learn more about home insurance where you live:
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