Country Guide
Best Home Insurance in California (2026)
California homeowners face unique wildfire and earthquake risks. Compare top carriers for comprehensive CA coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in California
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Overall value | $2,640/yr | — |
| 2 | USAA | Military families | $2,160/yr | — |
| 3 | Lemonade | Digital-first | $1,920/yr | — |
| 4 | Travelers | Wildfire coverage | $2,880/yr | — |
| 5 | Allstate | Local agents | $3,120/yr | — |