California Homeowners Insurance

With a Farmers® home policy, you have the freedom to create a policy that reflects how you live and what matters most to you.

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Home Insurance Coverage Options in California

The Farmers homeowner insurance offerings in California include Farmers Smart Plan Home® and Farmers Next Generation®. Farmers Smart Plan Home gives you two highly customizable packages as a starting point:

  • Standard — Reduced coverage for a reduced price
  • Enhanced — Provides higher coverage limits and extra features

Within each package, you have the flexibility to adjust coverage types and limits so that your home is covered the way you want.

Typical home insurance policies offer coverage for damage caused by:

  • Fires
  • Windstorms and hail
  • Lightning strikes
  • Vandalism and theft
  • Explosion
  • Falling objects

California home insurance discounts

Farmers® builds value into every policy — but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in California. For example:

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Protective devices

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See a list of potential home insurance discounts. Not all listed discounts are available in California.

View more coverage options in California

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Auto insurance

Find out minimum state requirements for auto insurance in California, available discounts and more.

View car insurance details and discounts for California

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