Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
, this post may contain references to products from our partners. Here's an explanation of
. Our content is backed by
Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
At a glance
Bankrate's take
California Casualty Insurance may be a good fit for essential workers like educators, firefighters, law enforcement officers and nurses in need of home and auto insurance. However, policies are not available to the general public, and state availability is limited.
Only available to public service employees like educators, firefighters, police officers, healthcare workers and other “heroes”
Mexico car and home insurance available
Policies available in seven states
More complaints than average with the NAIC for home and auto insurance
No mobile app
Auto
Avg. annual premium for full coverage
$2,482
Avg. annual premium for min coverage
$542
Home
Avg. annual premium for $300k dwelling coverage
$2,929
New
What’s new with California Casualty?
In 2023, California Casualty withdrew from 22 states and Washington, D.C. In a statement, the insurer cited profitability as the main motivator behind the decision.
California Casualty car insurance review
California Casualty car insurance is available to teachers, firefighters, nurses, law enforcement officers and other qualifying public service workers across seven states. In addition to the car insurance basics, drivers can also insure their antique or classic cars, trailers, campers, snowmobiles, motorcycles, RVs, golf carts and road-registered dune buggies. Policies are also somewhat customizable with extra benefits like pet injury coverage, gap insurance, up to $500 in personal property coverage and custom parts coverage. However, not every coverage option is available in every state where California Casualty writes auto policies.
Like the best car insurance companies, California Casualty Insurance offers standard coverage options such as liability, comprehensive, collision, medical payments and uninsured and underinsured motorist coverage. If you’re interested in additional coverage types, California Casualty offers several options, including some specific to essential workers. Law enforcement officers may appreciate turnout gear and firearms coverage, which pays out to cover stolen, damaged or destroyed firefighter and law enforcement gear and/or firearms stored in the vehicle, as well as custom/non-factory equipment coverage to insure any parts and devices that aren’t from the vehicle’s original manufacturer that get damaged or need replacement after a covered loss.
Pros and cons of California Casualty car insurance
When shopping for car insurance, comparing car insurance companies and requesting quotes can help direct you toward the best choices for your needs. Here’s a quick summary of California Casualty car insurance to help you decide:
Pros
$500 in personal property coverage for belongings in the vehicle
Coverage for custom or aftermarket additions to the vehicle
Unique coverage options based on qualified professions
Cons
Strict eligibility requirements
Only available in AZ, CA, CO, ID, KS, OR and WY
Not all coverage selections are available in every state
California Casualty car insurance cost
The average driver pays $2,482 annually for a full coverage policy from California Casualty and $542 for a minimum coverage policy. In comparison, the average cost of car insurance in the U.S. is $2,692 per year for full coverage and $808 for minimum coverage.
Keep in mind that every driver pays a different rate for car insurance. Car insurance rates vary by company, as each one factors in characteristics such as your location, driving record and claims history differently when determining your premium.
How much is California Casualty car insurance?
Drivers with incidents or at-fault accidents on their records typically pay higher car insurance rates compared to drivers with clean driving records. However, you may still be able to find affordable coverage with a less-than-perfect record by shopping around and looking for relevant discounts. The table below compares California Casualty car insurance rates for various driving infractions against national average rates.
In most states, a driver's age influences what they pay for auto insurance with young drivers paying some of the highest average rates. Younger drivers, especially teens, are more likely to drive recklessly and have less experience behind the wheel. To account for the added risk of insuring a younger driver, many insurance companies charge these drivers higher rates.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
What one insurance company quotes you will likely be different compared to others. Insurance companies each have their own, unique method for determining what you pay for your car insurance policy. That’s why it is so important to compare quotes across different providers to know if you are getting the best deal.
Reviewing an insurance company’s customer satisfaction ratings can help paint a picture of what your customer experience may be like. This can be done by speaking with existing policyholders or by reviewing third-party ratings from entities like J.D. Power. J.D. Power scores and ranks companies on a scale of 1 to 1,000 based on a variety of attributes, including how easy it is to manage your policy digitally. Unfortunately, California Casualty was not included in the J.D. Power studies we analyzed, likely because it is a smaller carrier than other national companies.
California Casualty auto insurance customer complaints
Customer complaints are another way to assess how well a company works with its policyholders. The National Association of Insurance Commissioners (NAIC) tracks customer complaints and uses carriers' market share and number of complaints to calculate complaint indexes by product type. The index has a baseline of 1.00, meaning that companies over 1.00 receive more complaints than expected based on their market share and vice versa. California Casualty’s NAIC complaint index from 2021 to 2023 was higher than average, indicating that the company could stand to improve its auto insurance service.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.06 to 2.49.
Mature driver discount: Drivers over a certain age may qualify for savings. You may want to check with your insurance agent to see if you qualify.
College graduate discount: If you hold a degree from an accredited college or university, you may qualify for additional savings.
Multi-car discount: Insuring more than one car on your California Casualty car insurance policy could equate to additional discounts.
Good student discount: By achieving a certain grade point average, a young driver on your policy could qualify for this discount to be added to the policy.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with California Casualty
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
California Casualty home insurance review
California Casualty may be one of the best homeowners insurance companies for law enforcement officers, firefighters, nurses and educators. Customers can choose from various add-on coverage types that most other insurance companies do not offer, and several discounts are available. Unique coverage types with California Casualty include a fallen hero/fallen officer survivor benefit for policyholders in firefighting or law enforcement who pass away in the line of duty and off-duty weapons theft coverage for up to $5,000 in coverage for stolen, personally owned off-duty weapons.
Additional home insurance coverage types include lost luggage coverage, debit or credit card coverage, personal property used in teaching coverage, school violence death survivor benefit (in some states) and educators' excess liability coverage.
Pros and cons of California Casualty homeowners insurance
Understanding the pros and cons of a home insurance company can help you while shopping for home insurance. Here are some pros and cons of California Casualty home insurance to help you more easily compare this company with other insurers:
Pros
Teachers can include optional coverage to insure their own belongings used for class instruction
Up to $5,000 in weapons theft coverage for individuals in law enforcement or firefighting
Billing plans available
Cons
24/7 customer service not available
Higher than average number of complaints with the NAIC
Not rated by J.D. Power for customer service
California Casualty home insurance cost
The average annual premium for a California Casualty home insurance policy is $2,929 for $300,000 in dwelling coverage. This is 29 percent more than the national average cost of homeowners insurance, which is $2,329 for the same amount of dwelling coverage. Individual rates may vary depending on your location, the size of your home, coverage selections and applicable discounts. If you’re looking for cheap home insurance, researching more than one company and requesting home insurance quotes can help you find the best rate.
$150K dwelling
California Casualty average premium
$1,951
National average premium
$1,370
$300K dwelling
California Casualty average premium
$2,929
National average premium
$2,267
$350K dwelling
California Casualty average premium
$3,187
National average premium
$2,534
$450K dwelling
California Casualty average premium
$3,666
National average premium
$3,066
$750K dwelling
California Casualty average premium
$4,788
National average premium
$4,399
Compare California Casualty homeowners insurance rates
Just like with car insurance rates, home insurance rates will also vary based on each company’s underwriting method. You can see how California Casualty’s home insurance costs compare to some of the larger, national carriers in the table below.
California Casualty’s home insurance product was not rated by J.D. Power for property claims satisfaction or customer service. This is likely because those studies focus on companies with larger shares of the market, and California Casualty only caters to public service workers.
California Casualty home insurance customer complaints
On the homeowner side, California Casualty has a low market share that may lead to confusing complaint index data. Although its index was above average in 2022 and 2023, the carrier only received a total of two complaints during that time period. Speaking with existing policyholders may give you more insights into California Casualty's service level.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0 to 4.27.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with California Casualty
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare California Casualty with other insurers
Finding the best insurance for your needs means shopping around to see what different carriers offer, especially if you’re looking for cheap car insurance or an affordable home policy. If you’re on the fence about California Casualty, here are some other carriers to consider when requesting a car or home insurance quote:
Featured
California Casualty
Not scored
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
California Casualty could be a good option for educators, firefighters, law enforcement officers and those in the healthcare industry looking for car and home insurance that caters to their profession’s needs.
Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice.
Tied for a 2024 Bankrate Award for Best Homeowners Insurance Company Overall, Allstate offers home, auto and life insurance for those who want the convenience of a single carrier for all their insurance needs.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is California Casualty a good insurance company?
Bankrate’s insurance experts put together this California Casualty Insurance review to help you decide whether this company is right for you. The company’s mission is to protect people who serve the community, which is why California Casualty Insurance tailors its insurance coverage to educators, higher education employees, firefighters, law enforcement officers and nurses. If you are in these professions and want access to its specialized coverage and benefits, California Casualty may be a good fit. However, its customer service is not available 24/7 like some competitors, and its average home insurance rates are significantly higher than the national average. Plus, it does not have a mobile app, which could be an issue for some.
What are real-life customers saying about California Casualty?
In order to get a pulse on what actual customers think about the company, our team looked at California Casualty reviews from across the web. Like with many other insurance companies, the general consensus around the company was a mix of positive and negative. Many customers appreciated the company’s customer service and low prices. But, some claimed that customer service was slower than they would prefer. Multiple other Trustpilot users were unhappy with steep car insurance rate increases when their policy was renewed.
Reddit User*
Dec 30, 2014
Solid customer service
I currently have them and the only real complaint I could make is that it can take A LONG time to get to someone on the phone. Other than that, they were cheap, (roughly $60 a month cheaper than all competition in my area) and when I did talk to someone, they were polite, to the point, and they always seem more than willing to help me out when something happens.
I was with Geico for 15 years. Changed to CC because I am a teacher and my daughter a nurse and recommended by our unions. Two weeks later someone breaks in my daughter’s car. We are currently in the middle of the claim - a month later. I am wildly disappointed. Emails are not returned, questions are not addressed, phone calls not returned. Car is ready but CC is not responding to me or the dealer so we cannot get the car. Dealer says CC is very hard to work with. At this point, I could not recommend this company to anyone.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
California Casualty company details
Customer service: 1-800-800-9410, Monday through Friday from 6 a.m. to 6 p.m. PT, and Saturday from 8 a.m. to 1 p.m. PT
Claims: Claims can be filed online or by dialing 1-800-800-9410, option 4, or mailed to P.O Box 39700, Colorado Springs, CO 80949-9700
California Casualty insurance is only available in AZ, CA, CO, ID, KS, OR and WY.
California Casualty tools and benefits
California Casualty may be known for its home and auto insurance, but it also offers other insurance products, including:
Mexico tourist auto insurance: California Casualty offers car insurance for U.S. drivers headed to Mexico through its partnership with Mexpro Insurance Professionals.
Personal umbrella insurance: This policy provides an additional layer of liability coverage to your underlying personal insurance policies, such as home and car insurance.
Recreational vehicles insurance: California Casualty may be able to insure these vehicles whether you have a boat, snowmobile or RV.
Pet insurance: California Casualty offers pet insurance, which is essentially health insurance for your animals.
Frequently asked questions about California Casualty
Policyholders can file a claim with California Casualty online, by contacting your agent or by calling 1-800-800-9410, option 4. The customer care line is open Monday through Friday, from 6 a.m. to 6 p.m. PT and Saturday from 8 a.m. to 1 p.m. PT.
California Casualty regularly donates money to different organizations that support essential workers and often hosts giveaways. In 2022, the company donated $15,000 to the California Peace Officers’ Memorial Foundation, awarded $1,000 each to two nurses through its partnership giveaway with Oregon Nurses Association, and hosted a California Casualty’s Staycation Giveaway to give $10,000 to an educator toward a home renovation project in 2022. The company also has its Thomas R. Brown Athletics Grant, which donates $1,000 to middle school and high school sports teams that have been impacted by budget cuts.
No, despite the company's name, it is available in several other states including AZ, CA, CO, ID, KS, OR and WY. However, there may be limitations on what policy types it offers in each state.
Our unique Bankrate Scores look at a myriad of factors like average rates, discount availability, corporate sustainability, financial strength ratings, online capabilities and other metrics. One of these is third-party scores, which were not available for California Casualty, thus disqualifying the company from earning a Bankrate Score.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Edited by
$2,165
