HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
Zip Code | City | Highest Rate |
---|---|---|
92325 | Crestline | $1,450 |
92391 | Twin Peaks | $1,426 |
92321 | Cedar Glen | $1,425 |
92352 | Lake Arrowhead | $1,423 |
Least Expensive
Zip Code | City | Lowest Rate |
---|---|---|
94086 | Sunnyvale | $742 |
94085 | Sunnyvale | $743 |
94087 | Sunnyvale | $743 |
95051 | Santa Clara | $743 |
Frequently asked questions
How much should I expect to pay for homeowners insurance?
Home insurance premiums vary based on location, claims history, risk and even your credit history. You’ll pay more for home insurance if you’re in an area with higher claims. That may be a region with severe weather, such as hurricanes or tornadoes. It could also be an area with many break-ins and fires. You can get an estimate of your home insurance rates by looking at the average home insurance rates for common coverage levels below (rates are with a $1,000 deductible).
Average rate Dwelling coverage Liability $2,219 $200,000 $100,000 $2,233 $200,000 $300,000 $2,763 $300,000 $100,000 $2,779 $300,000 $300,000 $3,215 $400,000 $100,000 $3,231 $400,000 $300,000 $3,580 $500,000 $100,000 $3,595 $500,000 $300,000 $3,825 $600,000 $100,000 $3,841 $600,000 $300,000 Why is my homeowners insurance quote so high?
While each homeowner’s particular situation is unique, the following factors can increase home insurance quotes significantly:
- You live in an area prone to severe storms (hurricanes, tornadoes, hailstorms)
- There is a history of claims on the house you own
- Your home or roof is more than 20 years old
- You have bad credit
- You have a pool, trampoline wood stove or a certain breed of dog
- You live far from the nearest fire station or in a remote location
How can I lower my homeowners insurance rate?
The best ways to lower your home insurance rate is by:
- Comparison shopping: No two insurers will price a policy the same way because they assess risk differently and use their own formulas for deciding what you pay. You should compare quotes from at least three insurance companies once a year to be sure you are getting the coverage you want at the best price.
- Maintain good credit: In nearly all states (Massachusetts, California, Hawaii and Washington are the exceptions) insurance companies are allowed to use your credit history when setting your rate. If you have good or excellent credit, you will pay much less.
- Apply for discounts: Home insurance discounts can net you savings. But you may need to ask for them. While some discounts rely on factors that are out of your control to a degree, others are up to you. For instance, you can bundle your auto and home insurance, sign up for automatic online billing, or install security and safety systems.
Home Insurance Calculator by Zip Code
The average cost of homeowners insurance in the U.S. is $2,777 a year which is $231 a month, for $300,000 in dwelling coverage. Your insurance rate will vary based on where you live and factors specific to your home.
Condo Insurance Calculator by Zip Code
The average cost of condo insurance is $63 a month, or $759 a year nationwide, but varies based on coverage level and where you live. Condo (HO-6) insurance covers everything your condo association doesn’t, including your personal property and liability.
Renters Insurance Calculator by Zip Code
The average cost of renters insurance is $29 a month or $347 a year. Renters insurance protects your personal property and provides liability coverage, neither of which are covered by your landlord.