Home insurance in California*
Protect your home with top-rated service.
Get home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!
What does homeowners insurance cover in California?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got California covered.
We help Californians find coverage across the entire Golden State.
We sell policies in every county in Califonia, including these major cities:
Fresno
Los Angeles
Long Beach
Oakland
Sacramento
San Diego
San Francisco
San Jose
Common questions about California home insurance
What’s the average cost of home insurance in California?
The average cost of California home insurance premiums is $1,403 per year, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. California’s home insurance premiums are slightly lower than the national average, but the cost of your premium depends on your home’s exact location and other characteristics.
Is home insurance required in California?
No, home insurance isn’t required by law in any state, but almost all mortgage lenders require proof of home insurance before providing a home loan. Even if your mortgage lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in California?
Like many western states, California’s home insurance rates are impacted by annual wildfire risks. The cost of your own home insurance will depend on where you live in the state, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in California?
Most people have wildfire coverage in their home insurance, but that’s not always the case — especially if you live in a fire-prone area. The policies we offer in California include wildfire coverage automatically.
}}?auto=webp&width=590&height=390&crop=59:39)