Who has the cheapest home insurance policies in California?

February 1st, 2010 | by The Broker |
tonie asked:


Time to renew and I need to start shopping around. So who has the cheapest home insurance policies in California? My House is worth 1.4 mil. I’m having a hard time with ins. bec.even though it was built in 1927, I purchased it completely remodeled and refurbished with everything up to date however I dont have the paperwork for the work done from the previous owners to provide for the insurance compan stating so.
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  1. One Response to “Who has the cheapest home insurance policies in California?”

  2. By wilhelmina on Feb 4, 2010 | Reply

    You get what you pay for. If you are looking just at price, technically California Fair Plan is a good choice. It’s bare bones property coverage for dirt cheap. But…it’s designed for people who cannot get coverage anywhere else. It’s the strip-down, fire-only type coverage. It does not offer liability, and it is generally NOT replacement cost, so you could be shooting yourself in the foot trying to save a buck by underinsuring your house. Just ask those who’s homes were distroyed this year. I am sure a fair number of them are regretting looking at JUST the bottom line.

    If you are looking for REAL coverage, ie: take care of your assets, look around and compare notes. How much are you trying to cover? Do you have discounts available (like non-smoker, over 65, multiple line, fire protection, or even job-related discounts like Farmers offers.)

    Look in the phone book for agents and brokers in your neighborhood. Get several quotes for the EXACT same, or similar coverage. Then evaluate your options.

    Skimping now could lead to REAL regret in the event of a catastrophic need. We had several people call in a panic during the wildfires and there was NOTHING I could do to help them then.

    This site may help you to compare many home insurance companies at once

    Hope this help,

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