Finding the best homeowners insurance in California is very difficult, because there are many companies which offers almost similar packages but with different pricing. That is why in 2023, 7% of real estate transactions in California failed to complete their sales because homeowners were unable to find an affordable insurance. According to the research which team has conducted, USAA, Nationwide, Chubb, travelers and Encompass are some of the best homeowners insurance providers in the state. Now let’s get straight to the point.
#1 USAA
#2 Chubb
#3 Nationwide
#4 Travelers
#5 Encompass
#1 USAA
USAA in California is on the top because of its good quality service and high customer satisfaction raten for homeowners insurance. If you are in relation with military or a current military person then this is the best option for you and your family. The company offers lowest avg. rates in the market. The company is on the from more than a decade, and still trying to serve its customer the best out of the market. Moreover the 24/7 customer support service makes it an idle choice for people looking for best homeowners insurance in California.
Rating: 4.7
Pricing: $66/Month
(Price and ratings may vary)
Pros
- Lowest avg. rates
- High customer satisfaction rate
- Coverages for military families
Cons
- Tough eligibility requirements
- No physical locations available
- Does not provide earthquake insurance for California
Click here to visit the official website
#2 Chubb
Chubb insurance is designed for high-net-worth gentries. That is why they won a 2024 Bankrate Award for offering the best deals for high-value homes. However it was not easy or common for everyone to achieve such goal. One of the most popular and attractive feature is its wildfire defense service, which gives protection to your valuables and belongings, from wildfires by monitoring and preventing any risks.
Rating: 4.3
Pricing: $185/Month
(Price and ratings may vary)
Pros
- One and only in the market who provides wildfire protection
- Offers earthquake, flood, wildfire, hail and hurricane coverage in many states
- Unique selections for policies like home equipment
Cons
- Higher avg. rates than many other companies
- Eligibility is based on value of the home
- Scored below than avg. in 2023 according to the research
Click here to visit the official website
#3 Nationwide
Nationwide homeowners insurance provides good customer support service with affordable insurance plans. The company also has a wide range of home insurance discounts, which was the reason the company win a 2024 Bankrate Award for affordable pricings. The company also provides a whole roof replacement option and ability to help people get separate policies like coverage for flood and more.
Rating: 4.3
Pricing: $113Month
(Price and ratings may vary)
Pros
- Offers numerous endorsements
- Several discounts available
- Local agents are available
Cons
- Low J.D. power customer satisfaction rate
- No 24/7 customer service
- Click here to visit the official website
Click here to visit the official website
#4 Travelers
Travelers standard homeowners insurance policies are to the point oriented, but they allow their policyholders to make changes in their current coverage with a wide range of variety of endorsements like water backup, identity theft protection, and higher limits for valuable items like jewelry and silverware.
Rating: 4.1
Pricing: $150-$200
(Price and ratings may vary)
Pros
- Special coverage and discounts for green homes
- Customizable policies
- Local agents are available
Cons
- Ranked down in the J.D. power house insurance
- Not available on online platforms
Click here to visit the official website
#5 Encompass
Encompass is slightly on the expensive side, the company offers a bunch of discounts and highly customizable policies. One of the main feature is the single deductible option, which allows you to file claims for both homeowners insurance and auto insurance if the loss is from the same event.
Rating: 3.7
Pricing: $264/Month
(Price and ratings may vary)
Pros
- Fully customizable policies
- 200% property location limits on deluxe and elite tiers offers
- Good financial strength rating
Cons
- Quotes are not online available
- High avg. prices for premiums
- Cannot file a online claims
Click here to visit the official website
Conclusion
All the companies in the list are good and offers value for money deals to the customers, so choose wisely and don’t take any decision based on the information given on this website, do your own sweet research and then go for such thing.
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