Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A-(Verified 04/18/2025)
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Number of Reviews
California Casualty Home Insurance Review
California Casualty Home Insurance is an insurance carrier based in San Mateo, CA. The company was founded in 1914 and offers home insurance in 44 states (and Washington, DC).
California Casualty Home Insurance FAQ
What is the financial strength rating of California Casualty Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
California Casualty Home Insurance scores an A- financial strength rating. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.
What types of coverage does California Casualty Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. California Casualty Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
California Casualty Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a California Casualty Home Insurance home insurance policy?
When you ask for a quote with California Casualty Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Fire Extinguisher in the Home
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with California Casualty Home Insurance.
What additional benefits does California Casualty Home Insurance offer?
California Casualty Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 7:00PM
Tuesday
6:00AM - 6:00PM
Wednesday
6:00AM - 6:00PM
Thursday
6:00AM - 6:00PM
Friday
6:00AM - 6:00PM
Saturday
8:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
California Casualty Home Insurance Community Reviews
Would you recommend California Casualty Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
The Earthquake coverage is clutch if you are living in an area with frequent quakes.
KR
Kimberly R.
Apr 14, 2022
May or may not recommend
California Coverage is an excellent insurance company. The coverages they offer are customized to your needs and very affordable. Highly recommend.
LM
Louis M.
Mar 3, 2022
May or may not recommend
The California Casualty is highly reliable. I would anyone to use it as his/her home insurance.
EA
Emily A.
Aug 27, 2021
May or may not recommend
Affordable and reliable! Be sure to make sure you aren't in one of the states where their insurance is not offered.
Andrew H.
Aug 12, 2021
May or may not recommend
The Earthquake coverage is clutch if you are living in an area with frequent quakes.
FC
Florencia C.
Jul 16, 2021
May or may not recommend
California Casualty offers liability, medical payments and uninsured/underinsured motorist coverage. It also offers great discounts. I had a great experience using this insurance company and would highly recommend it to anyone who is looking for RV or Motorcycle insurance.
SL
Salim L.
Jul 16, 2021
May or may not recommend
You guys are awesome when it comes to tailoring the offers related to different situations. your agents are patient while listening to the client and have a problem-solving approach better than any other insurance company agents
Shane T.
Jun 9, 2021
May or may not recommend
California Casualty Home Insurance, is an insurance sales compony.
They offer services in 44 states.
There community rating is strongly recommended.
There financial strength rating is an A-
California Casualty Home Insurance, offers some additional benefits, they offer.
1.- 24/7 phone availability
2.-Locol agents.
3.-ditital claims reporting.
For home insurance California Casualty Home Insurance is one of the best when it comes to insurance.
AA
Adam A.
Jun 3, 2021
May or may not recommend
The customer service is quick and polite, definitely love it!
DJ
Daniel J.
May 28, 2021
May or may not recommend
California casualty home insurance is very reliable and I highly recommend.
RC
Robert C.
May 6, 2021
May or may not recommend
i have always appreciated the prompt and friendly service of Calcas insurance dealing with agents. The company is professional, trustworthy , diligent and uncompromised in their dealings. Agents are always looking to find the best options for your situation or property. World Best!
TK
Timz K.
Apr 10, 2021
May or may not recommend
I just purchased home insurance from you, and it was probably cheaper than buying pizza. Excellent work on the encounter.
Emma D.
Oct 24, 2020
May or may not recommend
Our water heater exploded on the first floor. This caused damage to the flooring in the rooms upstairs and a water leak downstairs. I filed my claims with Cal Cas online, and an agent was assigned to me. The agent was super friendly. She kept on updating me while I was waiting for my claim to be released.
Showing 13 of 13 reviews