Unlike some other states in America, California has some particular risks, like widespread wildfires and the possibility of earthquakes, that other parts of the nation do not. These factors are all considered by insurance companies, when calculating your premium.
There are many places to find California home insurance like this, but finding the best one for you is a little harder. Everyone has unique needs and wants, which can factor into how you pick an insurance company. If you’re only concerned with having the lowest premium, then the search is a little easier.
State Farm and Allstate, are two of the most popular choices, as well as specifically in California. Since they’re both huge companies, they can sometimes offer deeper discounts and ways to save compared to small companies.
They also both have mobile apps, that makes paying bills, or making claims more convenient. Both companies also handle other types of insurance, like auto, which means, there’s a chance to bundle all of your insurance needs under one company for even greater discounts or benefits.
USAA home insurance, is not known for being the cheapest option, but they are actually priced very competitively. They have a great reputation for customer service and an above average claims process. They have some discount available, like a car bundle and their own mobile app for convenience, however, you’ll need a spouse or parent with military service.
Don’t let the name of, California State Automobile Association Inter-Insurance Bureau, fool you into thinking they only cover auto insurance. The CSAA is one of California’s largest homeowner insurance providers.
In a study conducted by J.D. Power, Amica Mutual was awarded best property insurance claims in 2015. They beat out all the competitors by a good margin, in all categories, from overall satisfaction, service interaction, repair process and settlement.
When it comes to getting home insurance and quotes, it’s not enough to just go online and get a couple of quotes from websites. First, try to have an idea of the type of coverage you’ll need. Once you have a few base requirements, start calling or meeting with companies to hammer out the finer points.
It’s better to look at the value you’re getting, rather than the bottom line price. It can be agreed, that no one wants to pay any more than they have to for insurance, but if, the time ever comes and disaster strikes, it’s better to have a paid a higher premium to get the immediate support that you need to continue with your life.