California’s Top Home Insurance Options for 2025

Recent wildfires have reduced the number of home insurance alternatives available in California, but homeowners can still select from a number of highly regarded options. We collected and examined information from over 30 insurance providers in California to assist you in locating the finest home insurance available. These are the insurance companies that, according to our analysis, received 4.5 ratings or higher.

Important lessons learned
Our study of California home insurance gave Amica, Chubb, and USAA five-star ratings.

With an average yearly premium of $995 and a star rating of 4.5, Travelers is the most affordable insurance provider in California.

Some insurance companies, such as State Farm and Allstate, have either stopped selling home insurance in California or have reduced the areas in which they do so.

The rates are predicated on a hypothetical homeowner that has a $1,000 deductible, $300,000 in dwelling coverage, $300,000 in liability coverage, and no recent claims.

Company	NerdWallet star rating	Average annual rate
Amica	5.0 NerdWallet rating	Not available
Chubb	5.0 NerdWallet rating	Not available
Cincinnati Insurance	4.5 NerdWallet rating	$1,465
Farmers	4.5 NerdWallet rating	$1,835
Nationwide	4.5 NerdWallet rating	$1,600
Travelers	4.5 NerdWallet rating	$995
USAA*	5.0 NerdWallet rating	$1,285
*USAA homeowners policies are available only to active military, veterans and their families.