Home insurance in California
Navigate California's complex insurance landscape - from wildfire zones to coastal risks. Find local brokers, assess property risk, and compare carrier options across the state.
Free report: flood zone, wind, wildfire and earthquake risk, plus your Insurability Score.
- Towns covered
- 131
- Counties
- 29
- Median home value
- $349K–$2.0M
What insurers look at
What shapes home insurance in California
Two homes a few miles apart can get very different quotes. These are the hazards that drive most of the difference here.
Wildfire Crisis
California faces an unprecedented wildfire insurance crisis. Major carriers have pulled out of high-risk areas, pushing homeowners to the FAIR Plan. Mitigation efforts can restore coverage options.
How we assess riskFAIR Plan
The California FAIR Plan provides fire coverage as the insurer of last resort. Coverage maxes at $3M dwelling. A DIC (Difference in Conditions) policy fills the gaps for comprehensive protection.
How we assess riskEarthquake
Standard homeowners policies exclude earthquake. The California Earthquake Authority (CEA) offers policies through participating carriers with deductibles from 5% to 25% of dwelling value.
How we assess riskFind your town
131 California towns across 29 counties. Pick a region, search by name, or filter by the hazard you care about.
131 towns in California
Showing 12 of 131
Don’t see your town?
Any California address can already get a full risk report.
Guides for California homeowners
For homeowners
Work with a broker who knows California
Wind deductibles, flood policies and older-home inspections are easier with someone local. Compare licensed brokers by town and specialty.
Find a broker in CaliforniaFor insurance professionals
Claim your California region
Build a public profile, appear on town pages like these, and connect with homeowners and real estate agents in your market.
California home insurance questions
Does homeowners insurance cover flooding in California?
No. Standard homeowners policies exclude flood, including storm surge. Flood coverage is a separate policy from the National Flood Insurance Program or a private flood insurer. Lenders require it for federally backed mortgages on homes in high-risk flood zones.
What is a windstorm or hurricane deductible?
Some policies, especially near the coast, apply a separate deductible to wind or named-storm damage. It is often a percentage of the dwelling coverage rather than a flat amount, so it can be much larger than the all-other-perils deductible. Your declarations page shows which applies.
What if I can’t find standard coverage?
A broker can approach surplus-lines carriers, which write risks standard carriers decline, and your state’s FAIR Plan where one exists, the insurer of last resort for basic property coverage. Coverage and consumer protections can differ from a standard policy, so compare carefully.
Is earthquake covered?
Not by a standard homeowners policy. Earthquake coverage is usually added by endorsement or bought as a separate policy, with its own deductible.
General information, not insurance or legal advice. Coverage depends on the policy and carrier. Risk ratings describe hazards, not whether a loss will happen or whether a home will qualify for coverage.