California, also known as “The Golden State” is the most populous state in the United States. California is located in the Western US. It shares its borders with Mexico and the Pacific Ocean. The majority of California’s cities is located in the Los Angeles, San Francisco, and the San Diego area. California was the State of California on September 9, 1850. The California Gold Rush began in 1848, which lead to major social and demographic changes. This caused large-scale immigration from the east.
As mentioned earlier, California is the most populous state in the US. California’s population is an estimated 38.8 million. California headquarters companies such as Facebook, Google, Intel, and Netflix. California is a booming place to be. Citizens are buying homes all throughout the state.
The price of home insurance varies from city to city. For an average sample home, the cost of a 1 year insurance policy is $820. Be sure to compare different home quotes in order to find the best rate for you.
The cheapest places for California homeowners insurance quotes are typically $576, which is 23% below the state average.
|Rank||City||Average Rate||vs State Average|
|2||San Luis Obispo||$598||-24%|
What about the most expensive homeowners coverage in California? Do you know which cities have the most expensive rates? How about the factors that determine higher rates? The cities with the most expensive homeowners rates are all located in or around the Los Angeles area. Rates in the area were an estimated $978 a year. Factors that affect your rates are crime rates, areas weather, and labor and construction costs.
|Rank||City||Average Rate||vs State Average|
If you are looking to avoid expensive rates in California, be sure to shop and compare different quotes. On average, a California resident pays on average $773. However, this number will vary by location.
You should also remember that a standard home policy will not cover you against earthquake damage. This state has the most seismic activity than any other state. Home buyers should consider adding on additional protection for their home. Based on where you live, this insurance could double the cost of your premium.
Unique California Cities
Los Angeles is the second most populated city in the United States. Los Angeles is known as the center of the American entertainment industry. This city also includes Hollywood and is the world’s leader in television productions and recorded music. California homeowners insurance quotes here will cost you an average of $569.
San Diego is one of California’s major cities. This city has over 7,000 farms, the most in one city than any others in the United States. San Diego also imports an estimated 80 to 90 percent of its water. This imports a total of 168 million gallons a day. The annual rate of home coverage here is $692.
San Jose is the third largest city in California. It is also the tenth largest in the entire United States. San Jose was founded on November 29, 1777. This city served as a farming community to support Spanish military installations. Average rates for San Jose is $719.
San Francisco is the financial center of Northern part of California. It is a consolidated city-county in California, the only one within the entire US. San Francisco is also known as : “The City by the Bay”. At one time, San Francisco’s harbor was full of abandoned ships, due to crews heading to the gold fields. Most of the ships were used as raw materials. If you are looking for home coverage here, its approximately $882.
Fresno is the largest inland city in California. It is also the 34th largest in the nation. This city was formed in 1856 after the California Gold Rush. It received its name from the abundant ash trees that line the San Joaquin River. Fresno is also known as the raisin-capital of the world. California homeowners insurance quotes here are approximately $762.
Sacramento is the capital of California. This city’s population is 479,686. This city is the core of the Sacramento metropolitan area. This city was named after the Sacramento River. Sacramento is two cities in one. Underneath the city is a large network of tunnels. These tunnels were once the actual city, until the new city had to be raised up to avoid flood damage. An average home insurance policy here is an estimated $747.
Long Beach is the second largest city in the Greater Los Angeles Area. Long Beach is home to the world’s largest mural. The mural, “Earth, the Blue Planet” is a rooftop mural on the Long Beach Arena. This mural spans over 3 acres. Long Beach rates are approximately $758.
Oakland is a West Coast port city in California. This city is well known for its sustainable practices. It is also known for the usage of renewable resources. This city is also known as being one of the most ethnically diverse major cities in the country. More than 125 languages are spoken here in Oakland. The average annual rate here for homeowners insurance is $893.
Bakersfield was officially incorporated as a city in 1873. Bakersfield has the worst air in the US. It is known as being the second most polluted city in the entire United States. Bakersfield also has high ozone levels, the third most in the US. Average California homeowners insurance quotes here will cost $781.
Anaheim was founded in 1857. This city was founded by fifty German families. This city was the second city in Los Angeles county. Anaheim is the home of the Disneyland resort. Disneyland’s opening day was faced with many problems. The rides and attractions were broken down, one section of the park was closed for a gas leak, freshly poured asphalt was also softened from the heat. If you are looking for home insurance coverage for Anaheim the average price is $736.