California homeowners insurance is evolving with new regulations set for 2025, requiring insurers to offer more policies in wildfire-prone areas while using catastrophe models for pricing. Notable insurers include Amica and Chubb, both rated highly for customer service and coverage options. The average cost of homeowners insurance in California is $1,335 annually, lower than the national average. Homeowners should consider additional coverage for risks like earthquakes and flooding, as standard policies typically do not cover these events.
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