1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Cost of homeowners insurance in California is based on location, replacement cost of the dwelling which would entail putting together all the characteristics of the home. Past claims experience and potential discounts you may qualify for. A California independent agent like myself could help you find the right insurance carrier at the right premium to fit your needs.
    Answered on September 18, 2013
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    There are two ways to look at cost. One way is the annual premium. The second is to look at satisfaction when you have a claim. Sometimes a lower premium will not result in satisfaction when there is a claim. In California companies charge what it takes to cover the losses that they experience in California. A good agent can help you identify the coverage you need and the price that will represent the best value.
    Answered on January 16, 2015
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