Homeowners insurance in California.
1,878 independent agencies are licensed to write homeowners insurance across California, with the most listings in San Diego, Los Angeles, San Francisco. Independent agents aren’t tied to one carrier — they compare home coverage from multiple companies to fit your situation.
What homeowners insurance can cover
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homeowners agencies across California.
The California communities with the most homeowners listings. Pick yours to see local agencies.
Frequently asked questions
How many independent homeowners agencies are in California?
Public licensing records list 1,878 independent agencies licensed to write homeowners insurance across California, in 370 communities. 239 California agencies have records going back 20 or more years.
How do I get homeowners insurance quotes in California?
Tell us what you need once and we route your request to a licensed independent agency that serves your area in California. You'll see who may contact you before you submit — and we never sell your information.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Other lines in California.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.