California's Best Homeowners Insurance - Hobinets Online

For your convenience, we've finished our review of California's top insurers. Whether you're purchasing an insurance or making a claim, the firms on our list offer reasonable pricing, a wide range of discounts to help keep your rates low, and first-rate customer service.

Based on our study, Amica is the best homes insurance provider in California, scoring 4.1 out of 5. Amica provides a wide range of discounts and coverage alternatives for homeowners.

Compare California's Top Homeowners Insurance Providers

COMPANY	AVERAGE ANNUAL PREMIUM	REVIEWS SCORE	LEARN MORE
USAA	$1,982	3.9	See Full Review
Nationwide	$2,023	4.1	See Full Review
Amica	N/A*	3.7	See Full Review
Lemonade	N/A***	4.0	See Full Review
Travelers	$1,681	3.8	See Full Review
Liberty Mutual	N/A**	3.7	See Full Review
Chubb	$3,265	3.9	See Full Review

Detailed List of the Best California Homeowners Insurance Providers

1. >>> USAA

Montly Cost: N/A

3.9

U.S News Ratings

Exclusive to members, USAA offers banking, financial, and insurance services to current and former service members as well as their families. There are several coverage options available to members, such as life, auto, and home insurance.

Property coverage for the house, other buildings on the property, and personal belongings are all covered by its basic homeowners policy. Members have the option to upgrade or modify their policy to add earthquake and flood protection.

PROS: Up to $5,000 in identity theft protection is included in homeowner's insurance coverage. Replacement cost coverage is a standard feature of homeowners insurance policies.

CONS: restricted optional coverages for homeowners insurance Only active and former members of the US military, along with their spouses and kids, are eligible for USAA membership and homeowners insurance.

2. >>> Nationwide

Montly Cost: $2,023

4.1

U.S News Ratings

Nationwide provides banking, insurance, and investment solutions. In addition to specialized coverage, which helps with replacements and repairs following an earthquake or flood, homeowners can obtain regular policy to protect against typical risks like wind, fire, theft, and water damage.

In order to lower homeowners' premiums, Nationwide also provides a number of discounts, such as those for updating plumbing, electrical, and HVAC systems.

PROS: A large range of extra coverages, including identity theft protection, new belongings insurance, and earthquake insurance. provides a variety of discounts, such as those for smart homes, gated communities, and roof ratings.

CONS: There is no customer loyalty discount available. There are few hours available for phone customer service.

3. >>> Amica

Montly Cost: $167.00

3.7

U.S News Ratings

The products offered by Amica include life, house, vehicle, and marine insurance. Basic liability and damage coverage are included in its typical homes insurance policy. Clients who choose the Platinum Choice Home package can combine basic options with specialized coverage add-ons to tailor their coverage. Some of Amica's homeowners insurance policies, in contrast to the majority, have payouts that enable policyholders to recover anywhere from 5% to 20% of their annual premiums.

PROS: Numerous discounts are offered, such as those for claim-free, autopay, customer loyalty, and automatic detection services. Possibility of filing a claim over the phone, via the app, or online.

CONS: In California, dividend programs are not available. The standard coverage option might not include all necessary coverages and only offers basic coverage.

4. >>> Lemonade

Montly Cost: N/A***

4.0

U.S News Ratings

Lemonade offers basic coverage for your house, additional buildings, and personal belongings in its home insurance products. Palomar is a Lemonade partner that allows California residents to further customize their coverage by adding earthquake insurance. Additionally, Lemonade runs the Lemonade Giveback initiative, which uses extra money to help underprivileged groups and communities.

Lemonade provides insurance for homes, cars, renters, pets, and life. All policies can be purchased via the Lemonade app or online. After purchasing an insurance policy, you may use the app to manage it, submit claims, and get in touch with customer support. .

PROS: Numerous extra coverages are offered, such as coverage for underground utilities, earthquakes, water backups, and swimming pools. A portion of unclaimed funds are annually donated to charities through the Giveback program.

CONS: Restricted savings as comparison to other businesses in our evaluation There is no in-person support offered; all policy modification, bill payment, and claim monitoring are done via the Lemonade app.

5. >>> Travelers

Montly Cost: $1,681

3.8

U.S News Ratings

Travelers provides earthquake and flood insurance; however, its flood insurance is provided by its partner, a private insurer called Neptune Flood, Travelers homeowners insurance policies cover liabilities, loss of use costs, personal belongings, other structures on your property, and your primary residence. Extended coverage limits for valuables and personal things, identity theft losses, and replacement coverage for homes and personal property are examples of optional coverages. In addition.

Apart from providing a wide range of coverage, Travelers also provides policyholders with other discount options, such as multi-policy bundling, claim-free history for a specific duration, and cost discounts for installing security systems and smoke alarms.

PROS: Over 165 years of company history Numerous optional coverage options, including covering for precious things, water backup, and green improvements

CONS: Hours that are restricted for phone quotations does not provide discounts for electronic document delivery, autopay, or customer loyalty.

6. >>> Liberty Mutual

Montly Cost: N/A**

3.7

U.S News Ratings

Liberty Mutual offers a wide range of discounts that could assist homeowners in reducing their premiums, even if its rates are noticeably lower than those of some of its rivals. Liberty Mutual offers earthquake and flood insurance policies under the National Flood Insurance Program (NFIP) to homeowners.

Home, pet, and auto insurance are just a few of the investment and insurance products offered by Liberty Mutual.

PROS: Many discounts, such as those for safe homeowners, early adopters, recently bought homes, and automatic payments The online claims procedure may take ten to fifteen minutes.

CONS: Does not provide mold protection It can be difficult to find a local agent via the corporate website.

7. >>> Chubb

Montly Cost: $3,265

3.9

U.S News Ratings

Chubb's Wildfire Defense Service, which assists homeowners with protecting their homes before, during, and after a fire, is available to Californians. AM Best has rated Chubb with an A++. Chubb provides specialty coverage to safeguard other assets, such as yachts and collectibles, in addition to normal home insurance policies. Homeowners can combine basic coverage with upgraded options to expand coverage to floods, earthquakes, and wildfire disasters by enrolling in the Chubb Masterpiece Homeowners Coverage plan. Additionally,

PROS: If, following a covered total loss, you decide not to rebuild, there is a cash settlement alternative. If you would prefer not to use the National Flood Insurance Program, you can use Chubb's own flood insurance.

CONS: Sellers of homes insurance can only be independent agents. Not being able to obtain an online quote for homeowners insurance.