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Owning a house is a step in life that many Californians aspire to. From northern California to San Francisco, Los Angeles and San Diego, everyone wants a safe, secure place that feels like home. But in order to be a responsible homeowner, you need the right homeowners insurance. Nationwide has been helping people protect what’s most important for over 85 years. We offer reliable homeowners insurance that can help you and your family in the event of water backup damage, theft, certain natural disasters and more. Learn more about California homeowners insurance through Nationwide and get a free quote today.

California homeowners coverages and discounts

What we can cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

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Brand New Belongings®

Repair or replace your covered possessions, regardless of age or condition.

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Homeowners insurance discounts

Making your policy more affordable.

See how you can save

What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Policy features that may meet the needs of California homeowners

Nationwide has affordable California home insurance to suit every lifestyle. So whether you own a Spanish-style home in Fresno, a two-story in a Sacramento cul-de-sac or a ranch-style home in the San Jose suburbs, you can get the right homeowners coverage for you and your family.
  • Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
  • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

Nationwide agents throughout California are ready to assist you

Select your city below to find an agent near you.
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Get a free California homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your California homeowners insurance quote today.

Nationwide coverage in California

Motorcycle insurance

Find motorcycle coverages and discounts for your state.

Auto insurance

Find auto coverages and discounts for your state.

Renters insurance

Find renters coverages and discounts for your state.

On Your Side® Review

Make sure your insurance keeps up with your life.

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.