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Homeowner insurance coverage in California is ranked No. 7 among the highest annual insurance rates in the U.S. Average annual premiums fall in the range of $676 to $937.

California home owner insurance quotes from one company or more online from Net Quote. When insurance companies compete for your business, you get the best deal at the best price. Protect everything you and your family own; get a free home owner insurance quote in minutes. If you are shopping for homeowner insurance in California, you and your family deserve to have the very best California home owner insurance.  Don’t be caught without it!

Perhaps what makes California unique, in comparison to other states, is the ever-present danger of earthquakes. Many Californians still tremble at the memory of the Great San Francisco earthquake of 1906 and the Loma Prieta earthquake of 1989. Plus, seismologists persist in issuing dire warnings that the expected “Big One” has yet to come.

Strangely enough, despite being a high-risk state for earthquakes, basic homeowner insurance in California does not include protection from earthquakes. Neither does it provide protection from floods resulting from hurricanes or quake-generated tsunamis. Flood protections could only be purchased from the National Flood Insurance Program.

When it comes to purchasing homeowner insurance in California, what should be foremost the homeowner’s mind is getting the best security for his/her home and their personal properties. Minimum coverage may not be enough to cover damages to the home when disaster strikes. It is best to compare quotes from the various insurances companies in the state, so that one could determine which policy provides the best coverage at an affordable annual premium.

There are two categories of general coverage in California. The first is Actual Cash Coverage, which pays the home’s fair market value up to the limit specified by the policy. Fair market value is determined through appraising other homes of a similar type, and then deducting the value of the land on which the house is built. As mentioned earlier, Actual Cash Coverage has a fixed amount, regardless of whether the property has appreciated in value.

The second category is Replacement Cost Coverage, of which there are three types…

· Replacement Cost Coverage – This coverage has a fixed amount regardless of property value appreciation or depreciation.

· Extended (or Modified) Replacement Cost – The amount of this overage changes with property appreciation and inflation. If the cost of construction materials increases, more money will be given for repairs.

· Guaranteed Replacement Cost – The most expensive and rarely offered coverage because money will be paid out for the complete rebuilding and restoration of the home to the state before it was damaged or destroyed.

Aside from flood protection, additional coverage that California homeowners should consider include…

· Personal Property – Covers the contents of the home. The limit for this is 50% of the value of the dwelling. If the home is insured for $100,000, coverage for Personal Property would be $50,000.

· Additional Living Expense – Provides much needed funds for the homeowner and his/her family if they’re going to live elsewhere while rebuilding and repairs to their home are being done.

· Building Code Upgrade – An important coverage for buyers of old homes. This would allow them to make improvements on the old property based on state building code requirements.

· Renter’s Insurance - Provides coverage for loss of use of the rental unit (like an apartment) and personal property due to fire. This may include liability and medical payments coverage.

· Condominium Insurance – Covers improvements and upgrades to the condo unit and personal property.

· Mobile Home Insurance – Offers protection to homeowners whose permanent residences are mobiles homes such as campers and trailers.

For some reason or another, private insurance companies may reject a homeowner’s application for coverage. After three rejections, a homeowner insurance plan in California can be purchased through the California Fair Access to Insurance Requirements Plan (FAIR). The FAIR Plan not only provides Actual Cash Value and Replacement Cost Coverage, their limited fire coverage is better than what is being offered by private companies.

Find a homeowner insurance policy in each of these California cities

Adelantosp – Agoura Hills – Alameda – Albany – Alhambra – Aliso Viejo – Alturas – Amador City – American Canyon – Anaheim – Anderson – Angels Camp – Antioch – Apple Valley – Arcadia – Arcata – Arroyo Grande – Artesia – Arvin – Atascadero – Atherton – Atwater – Auburn – Avalon – Avenal – Azusa – Bakersfield – Baldwin Park – Banning – Barstow – Beaumont – Bell – Bell Gardens – Bellflower – Belmont – Belvedere – Benicia – Berkeley – Beverly Hills – Big Bear Lake – Biggs – Bishop – Blue Lake – Blythe – Bradbury – Brawley – Brea – Brentwood – Brisbane – Buellton – Buena Park – Burbank – Burlingame – Calabasas – Calexico – California City – Calimesa – Calipatria – Calistoga – Camarillo – Campbell – Canyon Lake – Capitola – Carlsbad – Carmel by the Sea – Carpinteria – Carson – Cathedral City – Ceres – Cerritos – Chico – Chino – Chino Hills – Chowchilla – Chula Vista – Citrus Heights – Claremont – Clayton – Clearlake – Cloverdale – Clovis – Coachella – Coalinga – Colfax – Colma – Colton – Colusa – Commerce – Compton – Concord – Corcoran – Corning – Corona – Coronado – Corte Madera – Costa Mesa – Cotati – Covina – Crescent City – Cudahy – Culver City – Cupertino – Cypress – Daly City – Dana Point – Danville – Davis – Del Mar – Del Rey Oaks – Delano – Desert Hot Springs – Diamond Bar – Dinuba – Dixon – Dorris – Dos Palos – Downey – Duarte – Dublin – Dunsmuir – East Palo Alto – El Cajon – El Centro – El Cerrito – El Monte – El Segundo – Elk Grove – Emeryville – Encinitas – Escalon – Escondido – Etna – Eureka – Exeter – Fairfax – Fairfield – Farmersville – Ferndale – Fillmore – Firebaugh – Folsom – Fontana – Fort Bragg – Fort Jones – Fortuna – Foster City – Fountain Valley – Fowler – Fremont – Fresno – Fullerton – Galt – Garden Grove – Gardena – Gilroy – Glendale – Glendora – Goleta – Gonzales – Grand Terrace – Grass Valley – Greenfield – Gridley – Grover Beach – Guadalupe – Gustine – Half Moon Bay – Hanford – Hawaiian Gardens – Hawthorne – Hayward – Healdsburg – Hemet – Hercules – Hermosa Beach – Hesperia – Hidden Hills – Highland – Hillsborough – Hollister – Holtville – Hughson – Huntington Beach – Huntington Park – Huron – Imperial – Imperial Beach – Indian Wells – Indio – Industry – Inglewood – Ione – Irvine – Irwindale – Isleton – Jackson – Kerman – King City – Kingsburg – La Canada Flintridge – La Habra – La Habra Heights – La Mesa – La Mirada – La Palma – La Puente – La Quinta – La Verne – Lafayette – Laguna Beach – Laguna Hills – Laguna Niguel – Laguna Woods – Lake Elsinore – Lake Forest – Lakeport – Lakewood – Lancaster – Larkspur – Lathrop – Lawndale – Lemon Grove – Lemoore – Lincoln – Lindsay – Live Oak – Livermore – Livingston – Lodi – Loma Linda – Lomita – Lompoc – Long Beach – Loomis – Los Alamitos – Los Altos – Los Altos Hills – Los Angeles – Los Banos – Los Gatos – Loyalton – Lynwood – Madera – Malibu – Mammoth Lakes – Manhattan Beach – Manteca – Maricopa – Marina – Martinez – Marysville – Maywood – McFarland – Mendota – Menlo Park – Merced – Mill Valley – Millbrae – Milpitas – Mission Viejo – Modesto – Monrovia – Montague – Montclair – Monte Sereno – Montebello – Monterey – Monterey Park – Moorpark – Moraga – Moreno Valley – Morgan Hill – Morro Bay – Mountain View – Mt. Shasta – Murrieta – Napa – National City – Needles – Nevada City – Newark – Newman – Newport Beach – Norco – Norwalk – Novato – Oakdale – Oakland – Oakley – Oceanside – Ojai – Ontario – Orange – Orange Cove – Orinda – Orland – Oroville – Oxnard – Pacific Grove – Pacifica – Palm Desert – Palm Springs – Palmdale – Palo Alto – Palos Verdes Estates – Paradise – Paramount – Parlier – Pasadena – Paso Robles – Patterson – Perris – Petaluma – Pico Rivera – Piedmont – Pinole – Pismo Beach – Pittsburg – Placentia – Placerville – Pleasant Hill – Pleasanton – Plymouth – Point Arena – Pomona – Port Hueneme – Porterville – Portola – Portola Valley – Poway – Rancho Cordova – Rancho Cucamonga – Rancho Mirage – Rancho Palos Verdes – Rancho Santa Margarita – Red Bluff – Redding – Redlands – Redondo Beach – Redwood City – Reedley – Rialto – Richmond – Ridgecrest – Rio Dell – Rio Vista – Ripon – Riverbank – Riverside – Rocklin – Rohnert Park – Rolling Hills – Rolling Hills Estates – Rosemead – Roseville – Ross – Sacramento – Salinas – San Anselmo – San Bernardino – San Bruno – San Carlos – San Clemente – San Diego – San Dimas – San Fernando – San Francisco – San Gabriel – San Jacinto – San Joaquin – San Jose – San Juan Bautista – San Juan Capistrano – San Leandro – San Luis Obispo – San Marcos – San Marino – San Mateo – San Pablo – San Rafael – San Ramon – Sand City – Sanger – Santa Ana – Santa Barbara – Santa Clara – Santa Clarita – Santa Cruz – Santa Fe Springs – Santa Maria – Santa Monica – Santa Paula – Santa Rosa – Santee – Saratoga – Sausalito – Scotts Valley – Seal Beach – Seaside – Sebastopol – Selma – Shafter – Shasta Lake – Sierra Madre – Signal Hill – Simi Valley – Solana Beach – Soledad – Solvang – Sonoma – Sonora – South El Monte – South Gate – South Lake Tahoe – South Pasadena – South San Francisco – St. Helena – Stanton – Stockton – Suisun City – Sunnyvale – Susanville – Sutter Creek – Taft – Tehachapi – Tehama – Temecula – Temple City – Thousand Oaks – Tiburon – Torrance – Tracy – Trinidad – Truckee – Tulare – Tulelake – Turlock – Tustin – Twentynine Palms – Ukiah – Union City – Upland – Vacaville – Vallejo – Ventura – Vernon – Victorville – Villa Park – Visalia – Vista – Walnut – Walnut Creek – Wasco – Waterford – Watsonville – Weed – West Covina – West Hollywood – West Sacramento – Westlake Village – Westminster – Westmorland – Wheatland – Whittier – Williams – Willits – Willows – Windsor – Winters – Woodlake – Woodland – Woodside – Yorba Linda – Yountville – Yreka – Yuba City – Yucaipa – Yucca Valley

Homeowner insurance in California provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance rates from a reputable agent can help you make the best choices about this important protection for you and your family.

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