California Insurance

Q: What are the new California auto minimums?

California increased minimum auto liability limits in 2025. See our California Auto Insurance page for current limits, recommended coverages, and examples.

Q: Does home insurance cover earthquakes?

Standard homeowners policies exclude earthquake damage. California residents typically purchase a separate earthquake policy for that risk.

Q: How can I lower my premium?

Bundle home and auto, consider higher deductibles, and ask about available discounts such as safe-driver, protective-device, multi-policy, and loyalty credits.

Smarter California insurance coverage for life in the Golden State—built for busy freeways, wildfire seasons, and everything in between.

Rather speak with an insurance agent? Call us: (877) 334-7646

Find the Right Coverage in California

Use this page as your starting point for California insurance. Compare quotes from top-rated carriers, understand state rules, and choose coverage that fits your home, car, or business. Get a fast, free quote online or talk with a California-licensed agent.

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Local guidance on California-specific rules and risks
Bundle options to help you save

California Personal Insurance

Auto

Get California auto coverage aligned with 2025 minimums and real-world driving risks.

Home

Protect your home from fire, theft, liability—and navigate carrier availability.

Boat

From local lakes to the coast—protect your craft and passengers.

Motorcycle

Coverage built for California riders and year-round riding weather.

Classic Car

Protect your California classic with available agreed value, flexible use, and coverage for spare parts and restoration.

Recreation

From local lakes to the coast—protect your craft and passengers.

California: What to Know

Auto minimums increased in 2025. See details and recommended limits on our California Auto Insurance page.
Wildfire & earthquake risks. Standard home policies exclude earthquake damage—consider a separate quake policy.
Proof of insurance & DMV verification. Keep coverage active to avoid registration issues. Learn more under Auto.
Discounts & bundles. Save when you combine home + auto, add umbrellas, or complete safety courses.