Skip to Main Content
Updated Feb 10, 2025
Location-Icon
Explore offers from trusted carriers
+ MORE

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for homeowners on the FAIR Plan

Bankrate Score

Rating: 3.6 stars out of 5
3.6

Avg. annual premium

$652

$300K dwelling coverage

JD Power

586/1,000
Scores and Ratings
Bankrate Score 3.6
J.D. Power 586/1,000
AM Best Rating A
Read full review
Plus Icon Collapse Icon
Best for pre-packaged coverage options

Bankrate Score

Rating: 4 stars out of 5
4

Avg. annual premium

$1,778

$300K dwelling coverage

JD Power

Not rated

Scores and Ratings
Bankrate Score 4
AM Best Rating A+
Read full review
Plus Icon Collapse Icon
Best for local agents

Bankrate Score

Rating: 4.1 stars out of 5
4.1

Avg. annual premium

$1,265

$300K dwelling coverage

JD Power

Not rated

Scores and Ratings
Bankrate Score 4.1
AM Best Rating A
Read full review
Plus Icon Collapse Icon
Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

Bankrate knows that good home insurance can be hard to come by, especially in California. Our average rates are updated each month to help provide you the most quality analysis.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Caret Down Icon
$54
$652
$60
$723
Armed Forces
$70
$842
Aegis Security
$104
$1,252
*Average rates for policies with $300K in dwelling coverage
$60
$722
$65
$782
Armed Forces
$81
$973
$116
$1,391
$72
$864
$74
$891
Armed Forces
$104
$1,250
$140
$1,677
$109
$1,314
$115
$1,380
Armed Forces
$178
$2,134
$229
$2,747
Bankrate and Coverage Logo

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Location-Icon
Your information is kept secure

Let our expert agents help you choose the best policy. Call now for customized coverage.

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

$1,020
$1,044
$1,026
$847
$550
$917
$925
$892
$795
$681
Armed Forces
$1,146
$1,215
$1,240
$1,125
$673
Aegis Security
$1,773
$1,697
$1,743
$1,437
$1,108
$1,584
$1,595
$1,612
$1,525
$1,065
$621
$544
$458
$668
$668
$590
Armed Forces
$842
$727
$660
Aegis Security
$1,134
$1,110
$968
$1,157
$1,063
$834

Related content:

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance