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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?

avatar
Talullah Blanco · Updated on
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
covered peril
. 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,
Jerry
 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.
MORE:
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