California's home insurance industry plays a crucial role in helping homeowners protect their properties from various risks. With the rise of natural disasters such as wildfires and earthquakes, demand for reliable coverage is essential. Companies range from large corporate agencies to small independent firms, each offering unique policies tailored to meet specific needs, including homeowners, renters, and earthquake insurance. Technology is reshaping the sector, with insurtech companies emerging to streamline buying processes and deliver personalized solutions. Awareness of coverage options and restoration costs is increasingly important for consumers navigating this evolving insurance terrain.

The companies on this list represent a spectrum of California-based home insurance providers, varying in size from small agencies to large corporate players. Established from as early as 1923, these firms specialize in diverse offerings such as auto, life, and commercial insurance alongside home insurance products. Many agencies are entrenched in their communities, focusing on personalized service and tailored solutions to meet local needs. Locations include major urban centers like Los Angeles and San Francisco, highlighting the concentration of insurance expertise within the state.

Continue reading to explore the top home insurance companies in California.

Top 24 Home Insurance Companies in California

1. Farmers Insurance

• Website: farmers.com
• Ownership type: Private
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $300.0M, October 2024
• Founded year: 1928
• Headcount: 10001+
• LinkedIn: farmers-insurance

Farmers Insurance, based in Los Angeles, California, is a prominent insurance provider that has been serving customers since 1928. The company specializes in a wide array of insurance products, including auto, home, life, and business insurance. Farmers Insurance aims to assist both individual consumers and small businesses in managing risks and protecting their assets through tailored insurance solutions. With a robust network of agents, Farmers provides personalized service and resources to help customers understand their insurance needs. The company has also recently secured $300 million in funding, indicating ongoing investment in its operations and growth. Farmers Insurance is committed to delivering quality coverage and support to its clients, making it a notable entity in the insurance industry.

2. Confie

• Website: confie.com
• Ownership type: Corporate
• Headquarters: Huntington Beach, California, United States (USA)
• Employee distribution: Mexico 52%, United States (USA) 48%
• Latest funding: April 2021
• Founded year: 2008
• Headcount: 1001-5000
• LinkedIn: confie-

Confie, established in 2008 and headquartered in Huntington Beach, California, operates as an insurance agency that provides a broad spectrum of insurance products. Their offerings include auto, home, life, and commercial insurance, catering to both individual consumers and small businesses. Confie has positioned itself as a significant player in the personal lines insurance market, particularly focusing on both standard and high-risk insurance segments. With over 1,250 locations across 27 states, they have built a strong presence in the industry. The company prides itself on its customer service and has formed partnerships with more than 160 national and regional carriers to ensure quality coverage. Confie's strategy includes organic growth and strategic acquisitions, which have bolstered their market position. They also emphasize a commitment to corporate social responsibility and fostering an inclusive workplace culture.

3. Cover

• Website: cover.com
• Ownership type: Venture Capital
• Headquarters: San Francisco, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Series B, January 2021
• Founded year: 2016
• Headcount: 51-200
• LinkedIn: cover-.

Cover, founded in 2016 and based in San Francisco, California, is an insurtech company that specializes in providing a platform for individuals and families to obtain various types of insurance, including home, auto, life, and renters insurance. The company utilizes technology to streamline the insurance purchasing process, allowing customers to receive personalized quotes and manage their policies with ease. Cover sources policies from over 30 different providers, ensuring a wide range of options for its users. Their platform is designed to cater to underserved communities, making insurance more accessible. With a team of engineers, designers, and insurance experts, Cover aims to innovate the insurance experience, focusing on efficiency and customer trust. The company has raised funding through a Series B round, indicating investor confidence in its business model and growth potential.

4. Russo Insurance Agency

• Website: rickrussoinsurance.com
• Ownership type: Private
• Headquarters: Roseville, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1985
• Headcount: 1-10
• LinkedIn: russo-insurancae-agency

Russo Insurance Agency, located in Roseville, California, has been serving clients since 1985. As a private insurance agency, it specializes in a wide array of insurance products, prominently featuring home insurance alongside auto, life, and commercial insurance. The agency prides itself on its personalized service, with a team of knowledgeable advisors dedicated to helping clients navigate their insurance needs. With a focus on both individual consumers and businesses, Russo Insurance Agency has built a reputation for reliability and responsiveness. Their extensive experience in the industry allows them to effectively manage risks and provide tailored insurance solutions. The agency's commitment to customer satisfaction is reflected in their positive client testimonials, which highlight their proactive approach and attention to detail. Russo Insurance Agency operates primarily in California but also serves clients in Arizona, Colorado, Nevada, and Utah, showcasing their regional reach and expertise.

5. Prime Insurance Services, Inc.

• Website: primepolicy.com
• Ownership type: Private
• Headquarters: Irvine, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1997
• Headcount: 1-10
• LinkedIn: prime-insurance-services-inc-

Prime Insurance Services, Inc., based in Irvine, California, has been operational since 1997. This private insurance agency specializes in a variety of insurance products, including home, auto, life, health, and commercial insurance. The company serves both individual consumers and businesses, aiming to protect them from financial risks associated with unforeseen events. With a team of 17 employees, Prime Insurance Services emphasizes customer service and personalized insurance solutions. Their home insurance offerings include homeowners, renters, and specialized policies like earthquake and mobile home insurance, catering to a wide array of client needs. The agency partners with recognized carriers to provide competitive rates and robust coverage options, ensuring that clients receive the protection they require. Despite not having reported any funding, their longevity and focus on customer satisfaction position them as a relevant player in the insurance market.

6. Hanasab Insurance Services, Inc.

• Website: hanasabinsurance.com
• Ownership type: Corporate
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: December 2022
• Founded year: 1996
• Headcount: 11-50
• LinkedIn: his-risk-management

Hanasab Insurance Services, Inc. is an insurance agency based in Los Angeles, California, founded in 1996. The company specializes in a variety of insurance products, including auto, homeowners, business, and life insurance. With a team of 22 employees, Hanasab Insurance focuses on delivering personalized service and risk management solutions to both individual consumers and businesses. They emphasize the importance of protecting clients from financial losses due to unforeseen events. Hanasab Insurance has built a reputation for its commitment to exceptional service, catering to the unique needs of its clients. Their offerings include access to multiple A-rated, admitted carriers, ensuring that clients receive the best coverage options available. The firm also engages with specific sectors, such as the entertainment industry, providing tailored insurance solutions for unique needs.

7. Insurance.com

• Website: insurance.com
• Ownership type: Corporate
• Headquarters: Foster City, California, United States (USA)
• Employee distribution: United States (USA) 50%, Indonesia 25%, India 25%
• Latest funding: July 2010
• Founded year: 2001
• Headcount: 11-50
• LinkedIn: insurance.com

Insurance.com, founded in 2001 and based in Foster City, California, is an insurance agency that specializes in helping consumers compare and purchase various types of insurance. The company focuses on auto, home, health, and life insurance, providing a platform that simplifies the insurance buying process. With a team of insurance experts, Insurance.com offers tailored solutions and guidance to individuals and families, ensuring they find the right coverage for their specific needs. The company has not reported any recent funding, indicating a stable operational model since its inception. Their website features comprehensive resources, including tools and calculators, to assist users in understanding insurance options and making informed choices.

8. Crescenta Valley Insurance

• Website: cvins.com
• Ownership type: Private
• Headquarters: La Crescenta-Montrose, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1969
• Headcount: 11-50
• LinkedIn: crescenta-valley-insurance

Crescenta Valley Insurance, established in 1969, is an independent insurance agency based in La Crescenta, California. With a team of 30 employees, the agency specializes in providing a variety of insurance products, including home, auto, life, business, and restaurant insurance. As a second-generation agency, they pride themselves on their commitment to customer service and community engagement. Crescenta Valley Insurance is recognized as a Trusted Choice Independent Insurance Agency, which allows them to represent multiple insurance carriers, including Mercury, Travelers, Chubb, and Safeco. This enables them to offer competitive rates and tailored coverage options to their clients. Their involvement in local organizations and support for community initiatives further solidifies their reputation as a trusted provider in the insurance industry.

9. Key City Insurance

• Website: keycityinsurance.com
• Ownership type: Private
• Headquarters: Victorville, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1981
• Headcount: 11-50
• LinkedIn: key-city-insurance

Key City Insurance, founded in 1981, is a private insurance agency based in Victorville, California. The company specializes in providing home, auto, renters, and business insurance, with a strong emphasis on personalized service. With a workforce of 11-50 employees, Key City Insurance operates multiple locations across California and Utah, including offices in Rancho Cucamonga, Salt Lake City, and St. George. The agency prides itself on simplifying the insurance process for clients, ensuring they receive the right coverage tailored to their needs. Their approach includes educating customers about their policies and providing support during claims, which reflects their commitment to customer service. Key City Insurance has built a reputation for reliability and trustworthiness, as evidenced by positive testimonials from satisfied clients.

10. Young Insurance Agency

• Website: ronyounginsurance.com
• Ownership type: Private
• Headquarters: Burbank, California, United States (USA)
• Founded year: 1995
• Headcount: 201-500
• LinkedIn: young-insurance-agency

Young Insurance Agency, based in Burbank, California, has been serving clients since its establishment in 1995. The agency specializes in a variety of insurance products, including home, auto, life, health, and commercial auto insurance. With a team that boasts over 28 years of combined experience in the insurance industry, Young Insurance Agency prioritizes the needs of its clients, ensuring they receive tailored insurance solutions that protect their assets and manage financial risks. The agency operates with a philosophy of working for the clients rather than the insurance companies, which fosters trust and integrity in their dealings. Their focus on personal service and understanding individual client needs positions them as a reliable option for those seeking home insurance and other coverage types.

11. Mackey & Mackey Insurance Agency Inc.

• Website: mackey-insurance.com
• Ownership type: Corporate
• Headquarters: Hanford, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: September 2016
• Founded year: 1948
• Headcount: 11-50
• LinkedIn: mackey-%26-mackey-insurance-agency-inc.

Mackey & Mackey Insurance Agency Inc. is an insurance agency based in Hanford, California, with a history dating back to 1948. Originally established as Adam Serpa Insurance, the agency has evolved through family ownership and has been known for its commitment to providing tailored insurance solutions. The agency specializes in various insurance products, including homeowners, auto, life, and health insurance. With a focus on understanding the unique needs of their clients, Mackey & Mackey aims to deliver personalized service and peace of mind. They represent several top-rated insurance companies, ensuring competitive rates and reliable coverage options. The agency has grown from a small local business to a recognized name in the state, handling both personal and commercial accounts. Their dedication to customer service and risk management continues to drive their operations, making them a notable player in the insurance industry.

12. AIS Insurance

• Website: aisinsurance.com
• Ownership type: Corporate
• Headquarters: Irvine, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $120.0M, October 2008
• Founded year: 1968
• Headcount: 501-1000
• LinkedIn: ais-insurance

AIS Insurance, based in Irvine, California, has been a player in the insurance industry since its founding in 1968. The company operates as an insurance agency, providing a wide array of insurance products that include auto, home, business, and recreational vehicle insurance. AIS Insurance serves both individual consumers and businesses, helping them manage risks and protect their assets through customized insurance solutions. With a workforce of around 500 to 1,000 employees, AIS Insurance has established itself as a significant entity in the market. The company collaborates with multiple insurance carriers, which enables it to present competitive rates and coverage options to its clients. This strategic approach not only enhances their service offerings but also positions them as a reliable choice for consumers looking for comprehensive insurance solutions.

13. MexiPass International Insurance Services

• Website: mexipass.com
• Ownership type: Private
• Headquarters: Pasadena, California, United States (USA)
• Employee distribution: Mexico 50%, United States (USA) 50%
• Founded year: 1989
• Headcount: 1-10
• LinkedIn: mexipass-international-insurance-services-llc.

MexiPass International Insurance Services, founded in 1989 and based in Pasadena, California, is a private insurance agency that specializes in providing insurance solutions for American and foreign residents in Mexico. With over three decades of experience, MexiPass has established itself as a key player in the international insurance market, particularly for individuals and businesses operating across borders. The company offers a range of personal and commercial insurance products, including auto, home, and liability coverage. Their home insurance policies are tailored to meet the specific needs of foreigners, ensuring that clients receive coverage that aligns with American standards. MexiPass operates through a network of appointed producers, allowing them to effectively serve clients in both the United States and Mexico. Their commitment to quality and customer service has positioned them as a trusted provider in the niche market of Mexican insurance.

14. Tri County Insurance Services

• Website: tcinsur.com
• Ownership type: Private
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1981
• Headcount: 11-50
• LinkedIn: tri-county-insurance-services

Tri County Insurance Services is a privately owned insurance agency based in Woodland Hills, California. Established in 1981, the company has been serving individuals and businesses throughout Los Angeles County and beyond. They offer a wide array of insurance products, including home, auto, life, health, and business insurance. The agency prides itself on providing tailored insurance solutions that help clients manage risks and protect their assets. With a team of knowledgeable professionals, Tri County Insurance Services emphasizes building lasting relationships with clients, ensuring that each policy is customized to meet specific needs. Their focus on service and attention to detail has fostered trust among their clientele, contributing to their longevity in the industry.

15. FIA Insurance Services, Inc.

• Website: fia-insurance.com
• Ownership type: Private
• Headquarters: Torrance, California, United States (USA)
• Founded year: 1946
• Headcount: 11-50
• LinkedIn: fia-insurance-services

FIA Insurance Services, Inc., based in Torrance, California, has been a player in the insurance industry since its founding in 1946. The company operates as an independent insurance agency, providing a wide array of insurance products that include property, vehicle, commercial, and life & health insurance. With a team of 11 to 50 employees, FIA Insurance Services prides itself on delivering personalized service and professional advice to both individual consumers and businesses. Their offerings in home insurance cover various needs, such as homeowners, renters, and condo insurance, and they also provide specialized options like earthquake and flood insurance. The agency's long history and commitment to customer service position it as a reliable choice for those seeking home insurance solutions.

16. All-Risks Insurance Brokers Limited

• Website: all-risks.com
• Ownership type: Corporate
• Headquarters: Windsor, California, United States (USA)
• Employee distribution: Canada 98%, Other 2%
• Latest funding: March 2024
• Founded year: 1954
• Headcount: 51-200
• LinkedIn: all-risks-insurance-brokers-limited

All-Risks Insurance Brokers Limited, founded in 1954 and based in Windsor, Ontario, is an insurance brokerage that specializes in a wide array of insurance products. The company serves both individual consumers and businesses, helping them manage risks and protect their assets through customized insurance solutions. With a workforce of approximately 274 employees, All-Risks operates numerous locations across Ontario, ensuring accessibility for clients seeking various types of insurance, including home, auto, life, and business insurance. Their approach prioritizes personalized service, avoiding the impersonal nature often associated with larger insurance providers. This focus on client relationships is evident in their commitment to providing tailored advice and support, particularly in the home insurance sector, where understanding policy details is essential for effective coverage. All-Risks has built strong relationships with reputable insurance companies, allowing them to offer competitive rates and comprehensive coverage options to their clients.

17. Kessler Alair Insurance Services, Inc.

• Website: kessleralair.com
• Ownership type: Family Owned
• Headquarters: Rancho Cucamonga, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1923
• Headcount: 11-50
• LinkedIn: kessler-alair-insurance-services-inc-

Kessler Alair Insurance Services, Inc. is an independent insurance agency based in Rancho Cucamonga, California, with additional offices in Upland, Newport Beach, Laguna Niguel, and Lehi, Utah. Founded in 1923, the agency has built a reputation for providing a wide range of insurance products, including auto, home, business, health, and life insurance. The company prides itself on exceptional customer service, with a team that often has over 15 years of experience in the industry. Kessler Alair focuses on understanding the unique needs of both individual consumers and businesses, offering tailored insurance solutions. Their commitment to quality service and community involvement is evident in their long-standing presence in the insurance market, making them a trusted choice for clients seeking comprehensive coverage options.

18. Onstad's Insurance Agency

• Website: onstads.com
• Ownership type: Private
• Headquarters: San Ramon, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1926
• Headcount: 11-50
• LinkedIn: onstad%27s-insurance-agency

Onstad's Insurance Agency, established in 1926, is an independent insurance agency based in San Ramon, California. With a dedicated team of 25 employees, the agency specializes in providing a variety of insurance products, including auto, home, business, and life insurance. Their primary focus is on serving individual consumers and businesses within the San Ramon area, offering tailored insurance solutions designed to manage risks and protect assets. The agency prides itself on its commitment to customer service, treating clients like family and ensuring they receive the right coverage at competitive rates. Onstad's Insurance Agency is also a member of the Trusted Choice network, which underscores their dedication to quality service and advocacy for their clients' needs.

19. Cassidy Insurance Agency

• Website: trustthecia.com
• Ownership type: Private
• Headquarters: Scotts Valley, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1948
• Headcount: 1-10
• LinkedIn: cassidy-insurance-agency

Cassidy Insurance Agency, based in Scotts Valley, California, has been serving clients since its founding in 1948. This privately owned agency specializes in a wide array of insurance services, including health, life, auto, home, and commercial insurance. With a small team of dedicated professionals, Cassidy Insurance Agency prides itself on providing personalized coverage options tailored to the unique needs of individuals and businesses. The agency operates primarily in California but also extends its services to over thirty other states, showcasing its capability to cater to a broader clientele. The agency's history reflects a commitment to building lasting relationships with clients, ensuring they receive the best possible coverage and support. Their focus on home insurance, along with their extensive experience, positions them as a relevant player in the home insurance market.

20. SkyBlue Insurance

• Website: skyblue.com
• Ownership type: Private
• Headquarters: Lakewood, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2005
• Headcount: 51-200
• LinkedIn: skyblue-insurance

SkyBlue Insurance, founded in 2005 and based in Lakewood, California, operates as a private insurance agency. With a workforce of 51 to 200 employees, the company specializes in a broad spectrum of insurance products, including auto, home, life, and business insurance. SkyBlue Insurance serves both individual consumers and businesses, providing customized insurance solutions to mitigate various risks. The agency prides itself on its customer service, aiming to simplify the insurance shopping process through its user-friendly online platform. They are licensed to operate in all 50 states, which allows them to reach a wide audience. Their innovative approach to online insurance services has positioned them as a notable player in the industry, particularly for those seeking home insurance options.

21. GeoVera

• Website: geovera.com
• Ownership type: Venture Capital
• Headquarters: Fairfield, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: May 2012
• Founded year: 1997
• Headcount: 201-500
• LinkedIn: geovera-holdings-inc-

GeoVera, founded in 1997 and based in Fairfield, California, is an insurance company that specializes in residential insurance products. The firm primarily focuses on providing earthquake insurance and related coverage, catering to homeowners and landlords in regions vulnerable to natural disasters. GeoVera operates through a network of wholesale brokers, which allows them to offer tailored insurance solutions. Their product offerings include homeowners insurance, landlord insurance, vacant home insurance, and wind-only insurance, particularly in Florida. The company emphasizes online services, enabling policyholders to manage their accounts and report claims conveniently. GeoVera has received an 'A' (Excellent) rating from A.M. Best, reaffirmed in July 2023, indicating their strong financial position and commitment to customer service. This rating is crucial for potential clients looking for reliable insurance providers in high-risk areas.

22. InsureOne Insurance

• Website: insureone.com
• Ownership type: Private
• Headquarters: Huntington Beach, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2008
• Headcount: 501-1000
• LinkedIn: insure-one

InsureOne Insurance, founded in 2008 and based in Huntington Beach, California, is a private insurance agency that provides a wide array of insurance products, including home, auto, commercial, and life insurance. As part of Confie, one of the largest privately-owned insurance agencies in the United States, InsureOne has established a significant presence across the country. The company prides itself on its knowledgeable agents who work closely with clients to craft customized insurance solutions. InsureOne emphasizes customer care, offering support through multiple locations and a dedicated customer service team. Their commitment to understanding individual client needs and providing tailored insurance packages has positioned them as a relevant player in the home insurance market.

23. Jackson & Associates

• Website: jackson-ins.com
• Ownership type: Private
• Headquarters: Kingsburg, California, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1963
• Headcount: 1-10
• LinkedIn: jackson-%26-associates

Jackson & Associates is an insurance agency based in Kingsburg, California, founded in 1963. The agency specializes in a wide array of insurance products, including home, auto, farm, business, health, and life insurance. They cater to both individual consumers and businesses, focusing on risk management and protection against unforeseen events. Their offerings in home insurance include standard policies, earthquake insurance, flood insurance, landlord insurance, and renters insurance. With a small team of 1-10 employees, Jackson & Associates emphasizes personalized service and client satisfaction. They have built a reputation in their local community, but their limited size and absence of reported funding may restrict their competitive edge in the broader insurance market.

24. EasyInsure

• Website: easyinsure.ca
• Ownership type: Corporate
• Headquarters: Windsor, California, United States (USA)
• Employee distribution: Canada 95%, United Kingdom (UK) 5%
• Latest funding: January 2018
• Founded year: 2006
• Headcount: 11-50
• LinkedIn: easyinsure.ca

EasyInsure, founded in 2006 and based in Windsor, California, is an insurance agency that provides a variety of insurance products, including home, vehicle, and commercial insurance. The company primarily serves individual consumers and businesses, particularly home inspectors, helping them manage risks and protect their investments through customized insurance solutions. EasyInsure has established a strong presence in the Canadian market, with a significant portion of its operations focused there. They offer specialized insurance programs, such as the Home Inspectors Insurance Program, which includes both Errors & Omissions and General Liability coverage tailored to the needs of home inspectors. This focus on niche markets allows EasyInsure to cater to specific client needs effectively. The company operates under Belyer Insurance Limited and has not reported any recent funding, indicating a stable operational model since its inception.

Home Insurance Insights: Key Companies in California

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