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Homeowner Insurance in California

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In California, a homeowner who has a credit score in good standing and has opted for a $1000 deductible can anticipate an annual payment of approximately $1,300 or a monthly payment of $108 for up to $300,000 coverage for the dwelling and $300,000 coverage for liability. Compared to the national average of $1,820, California homeowners are getting a good deal.


Factors that often influence the cost of homeowners insurance in California include natural hazards, the type of structure, and any other structures on the property. For instance, a home built with stucco and tile is usually cheaper to insure than one constructed with wood, as the latter is more prone to wildfire and other natural disasters.


If you live in an area that is prone to earthquakes or mudslides, your insurer may require you to purchase an additional policy for these disasters. Homeowners in certain areas of the state may also be required to purchase an endorsement for flooding or typhoon coverage depending on their location.


Finally, if you're a renter in California, it's important to understand that your landlord is responsible for insuring the dwelling and its contents. However, your personal belongings should be covered under a renters insurance policy to ensure that you're financially protected in the event of any loss or damage.


We are a Trusted Homeowners Insurance Agency in California


Travelers Insurance offers an average home insurance premium of around $775 per year, while State Farm, Cincinnati Insurance, and Chubb offer $1,115, $1,550, and $2,070, respectively.


Most of the time, however, these figures don't tell the full story as discounts, claim history, and other factors come into play. Blindly picking the cheapest or most expensive option isn't always the best way to choose an insurance provider.


Here at Western Insurance Marketing Corporation, our core aim is to help you understand your coverage and find the plan that best fits your needs. We work with some of the most reputable insurance companies in California and can provide you with multiple options so that you can make an informed decision.


We dissect all of the fine print so that you don't have to and provide straightforward answers to all of your questions so that you can make sure your home is properly protected. 

Give us a call today and get the protection you need for your home and belongings!

Why Work with Us?



  • Access to multiple insurance providers
  • Experienced agents
  • Clear and unbiased advice
  • Affordable rates without compromising on coverage
  • Easy-to-understand explanations of your policy
  • Comprehensive coverage for all your needs.

Common Risks to California Homeowners


The idea behind home insurance is to protect your property and belongings from unpredictable events. In California, the most common risks covered by homeowners insurance include fires, storms, windstorms, and hail damage.


Wildfires are especially common in the state, with numerous fires occurring each year due to hot, dry summers and windy conditions. Additionally, homeowners in California should be aware of the possibility of earthquakes, landslides, flooding, and other natural disasters that could cause damage to their property or belongings.


Our local agents understand each of the nuances associated with home insurance in California and will help you find a policy that covers all of your needs.

Forms of California Homeowners Insurance Coverage


In California, there are different forms of homeowners insurance coverage that vary in the level of protection they offer. The most common forms are:


HO-1 (Basic Coverage)


This is the basic form of homeowners insurance that covers 10 perils: fire or lightning, windstorm or hail, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft, and volcanic eruption. This form does not cover personal liability or medical payments.


HO-2 (Broad Form Coverage)


Also known as broad form coverage, this type of policy covers the same perils as HO-1 but also includes six more: falling objects, the weight of ice, snow or sleet, accidental discharge or overflow of water or steam, sudden and accidental tearing apart, cracking, burning or bulging, freezing, and sudden and accidental damage from artificially generated electrical current. This form also covers personal liability and medical payments.


HO-3 (Special Form Coverage)


This is a special form of homeowners insurance that covers all perils except those specifically excluded in the policy. The exclusions may vary by insurer but typically include flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole, and wear and tear. This form also covers personal liability and medical payments.


HO-4 (Tenants Coverage)


Homeowners who rent out their property should consider this type of policy, which is sometimes referred to as renters insurance. It covers the same perils as HO-2 and also provides personal liability and medical payments coverage.


HO-5 (Comprehensive Coverage)


This is the most comprehensive form of homeowners insurance, covering all perils except those specifically excluded in the policy. This is often referred to as comprehensive form coverage and provides more protection than HO-3 policies.


HO-6 (Condo Insurance)


This is a condo insurance policy that covers personal property against the same perils as HO-2. It also covers personal liability and medical payments. It may also cover some parts of the building that are not covered by the condo association's master policy.


HO-7 (Mobile Home Insurance)


If you own a mobile or manufactured home, this policy will provide coverage for damage to the structure of your home and any attached structures such as decks and porches. It will also provide personal liability and medical payments coverage, but it does not include contents coverage.


HO-8 (Modified Coverage)


This is a modified coverage form of homeowners insurance that covers older homes that have a replacement cost that exceeds the market value. It covers the same perils as HO-1 but pays only for the actual cash value of the damage.

Common Exclusions in California Home Insurance


Most homeowners insurance policies in California will exclude coverage for some items, such as flooding and earthquake damage. Other common exclusions include war and nuclear hazards, intentional acts, wear and tear, power failure, mold and fungus damage, smog or rust damage, and property in transit.



It is important to understand the coverage offered by your homeowners' insurance policy, including any exclusions. If you are uncertain about what is covered, it may be helpful to speak with an insurance agent or broker who can explain the details of your policy.

Is California Home Insurance Required by the Law?


No, California does not require homeowners’ insurance. However, most lenders will require it if you have a mortgage on your home. If you are purchasing a home, be sure to check with your lender to understand the insurance requirements.


It is important to remember that homeowners’ insurance is intended to protect you and your property. Without coverage, you may be at risk of having to pay for any repairs or replacement costs that result from an accident or disaster. Therefore, it is important to make sure you have the right coverage for your home and lifestyle.

Ways to Get the Most Out of Your California Home Insurance


  1. Shop around for the best rates: Make sure you compare different insurance companies and their policies to find the best coverage and price.
  2. Consider a higher deductible: A high deductible can help reduce your premiums. Just make sure you are comfortable with the amount you would need to pay out of pocket in the event of a claim.
  3. Consider additional coverage options: In addition to the basic coverage, you may want to consider additional coverages such as replacement cost or earth movement.
  4. Ask about discounts: Most insurers offer discounts for things like security systems or nonsmoking households.
  5. Bundle your policies: Many insurers offer a discount if you bundle multiple policies, such as car and home.
  6. Don’t forget about inflation: Make sure you update your policy to keep up with inflation.
  7. Review your policy regularly: This is especially important if you have made any changes to your home or lifestyle that could affect your coverage needs.
  8. Document the condition of your home and belongings: Taking detailed photos or a video of your personal belongings and home will be useful if you ever need to file a claim.
  9. Monitor your credit: Good credit can help you get lower rates, so make sure to check your credit score periodically.
  10. Ask questions: Don’t be afraid to ask your insurance agent any questions you have about the policy and coverage options. Your agent can help you find the best policy for your needs.

Get The Best Rates on California Homeowners Insurance


As a top-rated independent insurance agency in California, we can help you find the right coverage at the best rate. Our experienced agents will work with you to understand your needs and provide multiple quotes from leading carriers, so you can make an informed decision about what is best for you and your family.



Contact us today for a free insurance quote and start protecting your home and belongings with the right California homeowners insurance policy!

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