Homeowners insurance on a $400,000 house in California

How much is homeowners insurance on a $400,000 house in California?

In California, the average cost of home insurance on a $400k house is $1,772 annually.

Coverage	Average annual premium	Average monthly premium
$400,000 with a $1,000 deductible and $100,000 liability	$1,752	$146
$400,000 with a $1,000 deductible and $300,000 liability	$1,772	$148

Homeowners insurance on a $400,000 house in California by company

The cheapest company for insurance on a $400,000 house in California is Allstate at an average rate of $1,121. Travelers is second at $1,404.

Compare home insurance based on a policy with $400,000 in dwelling coverage, $300,000 in liability coverage and a $1,000 deductible.

Company	Average annual premium	Average monthly premium
Allstate	$1,121	$93
Travelers	$1,404	$117
CSAA Insurance (AAA)	$1,706	$142
Nationwide	$1,723	$144
Auto Club Enterprises (AAA)	$1,775	$148
Mercury Insurance	$1,823	$152
State Farm	$1,974	$164
Farmers	$2,246	$187
USAA	$1,531	$128

Home insurance calculator

Use our home insurance calculator to get rates more tailored to your home and ZIP code.

Home insurance calculator by ZIP code

Average home insurance rates on 400K house in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

Read our methodology

California homeowners insurance rates for a $400,000 home by liability level

Dwelling coverage has the biggest impact on your home insurance rates, and increasing your liability from the standard $100,000 to $300,000 is a difference of only $20 a year.

Company	$400,000 with a $1,000 deductible and $100,000 liability	$400,000 with a $1,000 deductible and $300,000 liability	Hurricane deductible
Allstate	$1,074	$1,121	None
Travelers	$1,354	$1,404	None
CSAA Insurance (AAA)	$1,691	$1,706	None
Nationwide	$1,714	$1,723	None
Auto Club Enterprises (AAA)	$1,750	$1,775	None
Mercury Insurance	$1,823	$1,823	None
State Farm	$1,949	$1,974	None
Farmers	$2,209	$2,246	None
USAA	$1,531	$1,531	None

California homeowners insurance on a $400,000 house by deductible

Increasing your deductible means lower insurance rates. The average difference between a $400,000 policy with a $1,000 deductible and the same policy with a $2,500 deductible is $290 a year.

Take a look at how deductibles affect home insurance rates in California below.

Deductible	Average annual premium	Average monthly premium
$500	$1,377	$115
$1,000	$1,397	$116
$2,000	$1,128	$94
$2,500	$1,107	$92
$3,000	$1,079	$90
$4,000	$988	$82
$5,000	$960	$80

California home insurance on a $400,000 house by city

The cheapest city in California for $400,000 in dwelling coverage is San Jose at $1,376 a year. Whereas the most expensive city in California to insure a $400,000 house is Los Angeles at $2,025 a year.

Where you live in California impacts your home insurance premium due to risk factors like weather, crime and more. Compare average annual home insurance rates in major California cities below.

City	Annual premium	Monthly premium
San Jose	$1,376	$115
San Francisco	$1,462	$122
Sacramento	$1,533	$128
Fresno	$1,574	$131
Bakersfield	$1,608	$134
San Diego	$1,647	$137
Oakland	$1,654	$138
Long Beach	$1,687	$141
Anaheim	$1,768	$147
Los Angeles	$2,025	$169

Factors that impact homeowners insurance on a $400,000 house

A number of factors affect the cost of homeowners insurance in California. They include:

ZIP code
Square footage
Construction type
Risks on the property
Past claims

How to determine how much coverage you need for a $400,000 house

The coverage you need for your home is based on its replacement cost and not its market value. So, if you paid $400,000 for your house, that doesn't mean you need $400,000 in coverage. It could be higher or lower than that, since factors that affect market value, like land value or school districts, have no impact on homeowners insurance.

To ensure you get the right amount of coverage, it's important to do a thorough and accurate replacement cost calculation. You can estimate the amount to get ballpark insurance rates, but when it comes to buying a policy, it needs to be accurate to properly protect your home.

Frequently asked questions

How do you estimate the cost of homeowners insurance for a $400,000 house?

To estimate your insurance cost, first estimate your home's replacement cost. You can then get home insurance estimate using our home insurance calculator.

Is replacement cost coverage necessary for a $400,000 home?

Your mortgage company will likely require you to carry replacement cost coverage, regardless of your home's value. Fortunately, standard home insurance policies include replacement cost coverage for the dwelling.