Get a Homeowners Insurance Quote

Many California insurers have limited or paused new homeowners policies in recent years, especially in areas with wildfire risk. Shopping several carriers early, before you remove your contingencies, gives you the most options.

The FAIR Plan is California's insurer of last resort for fire coverage when a home can't get it in the regular market. It covers fire and a few named perils, so it is usually paired with a separate "difference in conditions" policy for theft, liability and water damage.

As soon as you're serious about a home, and before you remove your contingencies. Your lender requires proof of homeowners insurance before closing, and the premium affects your monthly payment and how much you qualify for.

No. Standard homeowners policies exclude both. Earthquake coverage is a separate policy, for example through the California Earthquake Authority, and flood insurance is separate too. Lenders require flood insurance for homes in FEMA high-risk flood zones.

The property address, year built, square footage, roof age, number of stories, whether there is a pool, trampoline or dog, and your current insurer if you have one. We never ask for your Social Security number on this form.