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Does California require home insurance?

I live in California and I’m planning on purchasing my first home! Is home insurance required in California?

Talullah Blanco · Updated on Feb 21, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

You are asking the right questions! The state of California does not require homeowners insurance. However, if you take out a mortgage most lenders will require you to purchase it as a condition of your loan.

Homeowners insurance is a type of property insurance that pays for losses or damages to your home and its contents in the event of a

. A typical homeowners insurance policy will provide coverage to repair or rebuild your home and even offer legal protection.

The average cost of home insurance is $1,224 per year in California. Even if you are not required to purchase home insurance, it’s a smart investment at that rate.

If you’re shopping for home insurance,

will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.

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How to choose the right kind of home insurance for you

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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