California Casualty Insurance may be a good fit for essential workers like educators, firefighters, law enforcement officers and nurses in need of home and auto insurance. However, policies aren’t available in every state and may be more expensive than the national average.
|It offers an array of policy types, such as coverage for mobile homes, snowmobiles, recreational vehicles and boats.||Full coverage policies are much more expensive than the national average.|
|Policies cater to educators, firefighters, law enforcement officers and nurses.||Policies have limited availability based on occupation.|
|The company offers an online platform for policy management and bill payment.||Policies aren’t available in every state.|
California Casualty Insurance, founded in 1914, has sold insurance policies for over 100 years. The company’s mission is to protect people that serve the community, which is why California Casualty Insurance only sells insurance coverage to educators, higher education employees, firefighters, law enforcement officers and nurses. This California Casualty Insurance review may help you decide whether this company is right for you.
Despite what the name suggests, California Casualty sells insurance in every state except Alaska, Hawaii, Massachusetts, Michigan, New York and Wisconsin.
California Casualty car insurance
California Casualty car insurance stands out for offering insurance policies only to firefighters, law enforcement, nurses, educators and higher education employees. The company’s unique coverage options, many of which are designed with teachers and first responders in mind, cater directly to policyholders in these professions. In addition, the company offers discounts that may help qualifying drivers save money on their policies.
Like the best car insurance companies, California Casualty Insurance offers standard coverage options such as liability, comprehensive, collision, medical payments and uninsured and underinsured motorist coverage. If you’re interested in additional coverage types, California Casualty offers several options, including some specific to essential workers. Law enforcement officers may appreciate turnout gear and firearms coverage, which pays out to cover stolen, damaged or destroyed firefighter and law enforcement gear and/or firearms stored in the vehicle, as well as custom/non-factory equipment coverage to insure any parts and devices that aren’t from the vehicle’s original manufacturer that get damaged or need replacement after a covered loss.
In addition to these coverage types, California Casualty car insurance offers pet coverage, loan/lease payoff coverage, a foreign exchange program, sabbatical return benefits and a fallen hero/fallen officer survivor benefit.
California Casualty car insurance cost
A car insurance policy from California Casualty may be more expensive than the national average for many drivers. The average driver pays $1,803 annually for a full coverage policy from California Casualty and $575 for a minimum coverage policy. In comparison, the average cost of full coverage car insurance in the U.S. is $1,771 per year for full coverage and $545 for minimum coverage.
In addition, keep in mind that every driver pays a different rate for their car insurance. Insurance companies factor in characteristics such as your location, driving record and claims history to determine your car insurance rate.
|California Casualty average annual full coverage premium||National average annual full coverage premium|
|Clean driving history||$1,803||$1,771|
|Speeding ticket conviction||$2,149||$2,138|
|Adding a 16-year-old driver||$4,426||$3,852|
California Casualty car insurance discounts
California Casualty auto insurance has a 12-month rate lock guarantee. Additionally, drivers can access several discounts to save money, such as multi-policy, multi-car, good student and senior driver discounts. In addition to these standard discounts, the company offers a few less common discounts, such as:
- Mature driver: Drivers over a certain age may qualify for savings. You may want to check with your insurance agent to see if you qualify.
- College graduate: If you hold a degree from an accredited college or university, you may qualify for additional savings.
California Casualty home insurance
California Casualty may be one of the best homeowners insurance companies for law enforcement officers, firefighters, nurses and educators. Customers can choose from various add-on coverage types that most other insurance companies do not offer, and several discounts are available.
California Casualty home insurance offers common policy types, including dwelling, personal property, liability, medical payments and additional living expenses coverage. The company also offers unique additional coverage types geared toward its policyholders, including a fallen hero/fallen officer survivor benefit for policyholders in firefighting or law enforcement that pass away in the line of duty and off-duty weapons theft coverage for up to $5,000 in coverage for stolen, personally-owned off-duty weapons.
Additional home insurance coverage types include lost luggage coverage, debit or credit card coverage, personal property used in teaching coverage, school violence death survivor benefit and educators excess liability coverage.
California Casualty home insurance cost
The average annual premium for a California Casualty home insurance policy is $1,933 for $250,000 in dwelling coverage. This is higher than the national average cost of homeowners insurance, which is $1,383 for the same amount of dwelling coverage. As with car insurance, it’s likely that your individual rates may vary depending on your location, size of your home, coverage selections and any discounts.
|Dwelling coverage limit||California Casualty average annual premium||National average annual premium|
California Casualty home insurance discounts
California Casualty home insurance offers many of the same savings opportunities that other insurance companies have, including discounts for multi-policy and home alert protection. In addition, qualifying policyholders may be interested in the following discounts:
- Non-smoker discount: If you refrain from smoking in the house, you may qualify for added savings.
- Fire alarm/extinguisher discount: If you have measures in place to fight a potential fire, you may qualify for this discount.
- Age 55+/Retired discount: Depending on your age and retirement status, you could qualify to add this discount to your homeowners insurance policy.
Other California Casualty perks worth considering
California Casualty may be known for its home and auto insurance, but it also offers other insurance products, including:
- Mexico tourist auto insurance: California Casualty offers car insurance for U.S. drivers headed to Mexico through its partnership with Mexpro Insurance Professionals.
- Personal umbrella insurance: This policy provides an additional layer of liability coverage to your underlying personal insurance policies, such as home and car insurance.
- Recreational vehicles insurance: California Casualty can insure these vehicles whether you have a boat, snowmobile or an RV.
California Casualty’s corporate sustainability
California Casualty regularly donates money to different organizations that support essential workers and often hosts giveaways. In 2022, the company donated $15,000 to the California Peace Officers’ Memorial Foundation, awarded $1,000 each to two nurses through its partnership giveaway with Oregon Nurses Association, and is currently hosting a California Casualty’s Staycation Giveaway to give $10,000 to an educator toward a home renovation project. The company also has its Thomas R. Brown Athletics Grant, which donates $1,000 to middle school and high school sports teams that budget cuts have impacted.
Not sure if California Casualty is right for you? Consider these alternatives
Finding the best insurance for your needs means shopping around to see what different carrier offer. If you’re on the fence about California Casualty, here are some other insurance carriers to consider:
- Geico: Geico offers a long list of discounts for home and auto insurance, especially for professionals and members of participating organizations.
- Allstate: Allstate’s digital tools for policy management make it easy to make changes and review your coverage on the go.
- USAA: If you were or currently are a military member or qualifying family member, USAA might be a great choice for military-based coverage and affordable rates.