Find the cheapest California homeowners insurance quote
California Homeowners Insurance
Home Insurance in California made simple
Homeowners Insurance California is dedicated to finding the best home insurance solutions for your specific needs. Although home insurance is not a legal requirement, it is important to feel secure in the fact that in the unlikely event that something happens to your property and belongings you are not left out of pocket. We pride ourselves on finding the cheapest California house insurance that protects your most important assets. Homeowners Insurance California is here to help you find the Home Insurance policy that is right for you and what you're actually covered for.
We know that you don't want to spend lots of time answering loads of questions to get a home insurance quote, which is why we’ve made it quicker and easier for you to get your home covered. You could spend hours shopping the best home insurance online, or you can contact Homeowners Insurance California and we’ll provide you multiple home insurance quotes in California. Contact us at (844) 234-5600 to see how much you can save on your home insurance policies!
Different types of Home Insurance Coverage
- Actual cash value – This value covers the house plus the value of your belongings after deducting depreciation
- Guaranteed (or extended) replacement cost/value – The most comprehensive, this inflation-buffer policy pays for whatever it costs to repair or rebuild your home—even if it’s more than your policy limits.
- Replacement cost – This is the actual cash value without the deduction for depreciation
Ways to Save Money on your Home Insurance Premium
We know that you don’t want to spend a lot of time answering loads of questions to get a home insurance quote, which is why we have made it quicker and easier for you to get your home covered.
- Having a Homeowners Insurance is one of life’s necessities that’s there when you need it, and it is definitely worth the time and energy to find the best coverage at the most affordable price. In an effort to remain protected while saving money, consider the following tips:
- Increase your credit score by paying your bills on time and always paying at least the minimum payment due. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate
- Avoid filing nuisance claims. Use your coverage to protect against losses that you cannot recover by yourself. The strategy of filing a claim whenever you have home damage may get you more payout from insurance companies, but your insurance premiums will likely go up significantly, and you may even be dropped from coverage altogether. In some situations, keeping your record clear is actually more beneficial than filing for a payout.
- Increase your deductible to lower your monthly premium. Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay a claim, according to the terms of your policy. According to the Insurance Information Institute, increasing your deductible from $250 to $500 can cut costs by 12 percent. The higher the deductible you choose to pay, the lower your insurance rates will be.
- Consider buying multiple lines of coverage from the same carrier to get discounts. Many carriers offer discounts for bundling homeowners and automobile insurance. This way, you’ll take advantage of even higher savings, and keep your contact list short when you have an insurance concern or claim.
Paying too much for your Home Insurance In California?
Aspect of Homeowners Insurance.
Homeowners Insurance in California Coverage
Dwelling: portion of your home insurance policy that pertains to the cost of rebuilding and repairing your home in the event that it is damaged or destroyed in a covered peril
Other structures: part of your home insurance policy that protects structures on your property other than your house. That includes: Fences. Sheds. Detached garages.
Personal property: coverage for your personal property. This coverage insures all of your belongings.
Loss of Use: designed to protect you against the significant additional living expenses that occur following a loss.
Personal Liability: provides coverage if a claim is made or a suit is brought against an insured because of bodily injury or property damage arising from a covered occurrence.
Medical Payments to Others: Covers medical expenses. Coverage is limited to an amount per person and per accident for injuries occurring on your premises to persons other than an insured, or elsewhere, if caused by you, a member of your family, or your pets.
Why Homeowners Insurance California?
Right Coverage at the Best Price
We want you to be completely satisfied with our services. We research prices and coverage details from dozens of insurance companies to find you the best California home insurance policy. No hassles, no problems.
We Do the Shopping for You
We Offer one-stop shopping for a full range of insurance products - home, renters, auto, business, life and health.
Security is Paramount
With the most advanced security system, Homeowners Insurance keeps your personal information secure. We take every precaution to make sure your data is safe in every way.
Passionate Customer Service
Our lines are answered live by a knowledgeable, friendly staff member every call, not machines. This saves you time & frustration, and we get started on your inquiry faster.
Testimonials
We highly recommend Homeowners Insurance! The staff is knowledgeable in the insurance field and fast, they're true professionals. Our agent Sherry Katiraie is amazing. We've worked together for few years now, and look forward for more successful years to come.
Awesome! Everyone in the office is super helpful and knows what they are doing. I would definitely recommend them to everyone I know for a quote because of all they have to offer. It's really a great company!