Average Home Insurance Cost California

These costs are impacted by the unique home insurance risks for each state the amount of coverage a typical homeowner buys in each state and several other factors.

Average home insurance cost california. The most expensive average rates are in florida the california department of insurance is in charge of licensing. Annual premiums can vary based on the size of the deductible the type and extent of coverage and other variables. The good news is that california s annual average premium of 1 000 is lower compared to the national average of 1 192. The average cost of homeowners insurance is around 1 200 a year but many factors play a role including the details of your property and which state and city you live in.

The average cost of home insurance in california is somewhere around 980 according to multiple sources. Enter in your zip code then select a dwelling coverage amount deductible and liability amounts and you ll get the average homeowners insurance cost for your neighborhood and desired policy limits. For example if the average cost is 1 918 but this is for a 200 000 home then you can not reasonably expect to be paying close to an average price on home insurance if your home reconstruction value is 500 000 or over 1 000 000. Here we ve calculated the average cost of home insurance in the 65 cities in california with populations over 100 000.

The average cost of home insurance 1 684 a year in the state. 26 out of all states for home insurance premiums. Louisiana has the most expensive home insurance at an average of over 1 900 a year and oregon has the cheapest average home insurance at around 650 a year. As a consumer you have some degree of control over the cost of your policy.

That s 469 higher than the national average of 1 215. If you re interested in how much homeowners insurance costs in your city take a look at the table below. Homeowners insurance premiums in california are expensive compared to other states. Home insurance have increased steadily for the last 10 years in the us.

The value of your home where you live and the coverage level you choose can all impact the. This means californians are paying 192 less yearly than the average american. For broader context you can also look at our nationwide comparison of home insurance costs. Average california homeowners insurance rates.