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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Homeowners Profiles

View this information in Excel format (XLSX, 16 KB)

Type of Coverage:

Type of Coverage: Homeowners (Frame Construction)

New! Profiles have been updated for 2024. Each homeowners profile is represented by a three-digit code indicating: deductible amount, age of home, and amount of coverage.

The profiles are based upon several scenarios, or hypothetical risks, that represent the most common variables applied to homeowners, condominium, renters and earthquake insurance premiums quoted today.

Companies that participated in this survey will provide sample homeowners premiums based on these profiles and the location of the residential property (i.e., City/County).

Amount of Coverage Age of Home Profile #

$250,000 ($500 Deductible)

New

 112

3 Years

 122

6 Years

 132

15 Years

 142

25 Years

 152

40 Years

 172

70 Years

 182

$250,000 ($1,000 Deductible)

New

 212

3 Years

 222

6 Years

 232

15 Years

 242

25 Years

 252

40 Years

 272

70 Years

 282

$375,000 ($1,000 Deductible)

New

 213

3 Years

 223

6 Years

 233

15 Years

 243

25 Years

 253

40 Years

 273

70 Years

 283

$500,000 ($1,000 Deductible)

New

 214

3 Years

 224

6 Years

 234

15 Years

 244

25 Years

 253

40 Years

 274

70 Years

 284

$500,000 ($2,500 Deductible)

New

 314

3 Years

 324

6 Years

 334

15 Years

 344

25 Years

 254

40 Years

 374

70 Years

 384

$625,000 ($1,000 Deductible)

New

 215

3 Years

 225

6 Years

 235

15 Years

 245

25 Years

 255

40 Years

 275

70 Years

 285

$750,000 ($1,000 Deductible)

New

 216

3 Years

 226

6 Years

 236

15 Years

 246

25 Years

 256

40 Years

 276

70 Years

 286

$750,000 ($2,500 Deductible)

New

 316

3 Years

 326

6 Years

 336

15 Years

 346

25 Years

 356

40 Years

 376

70 Years

 386

$1,000,000 ($2,500 Deductible)

New

 317

3 Years

 327

6 Years

 337

15 Years

 347

25 Years

 357

40 Years

 377

70 Years

 387

$1,000,000 ($5,000 Deductible)

New

 417

3 Years

 427

6 Years

 437

15 Years

 447

25 Years

 457

40 Years

 477

70 Years

 487

Deductible

  • 1. $500 Deductible
  • 2. $1,000 Deductible
  • 3. $2,500 Deductible
  • 4. $5,000 Deductible

Age of Home

  • 1. New
  • 2. 3 Years
  • 3. 6 Years
  • 4. 15 Years
  • 5. 25 Years
  • 7. 40 Years
  • 8. 70 Years

Amount of Coverage

  • 2. Amount of Coverage $250,000
  • 3. Amount of Coverage $375,000
  • 4. Amount of Coverage $500,000
  • 5. Amount of Coverage $625,000
  • 6. Amount of Coverage $750,000
  • 7. Amount of Coverage $1,000,000

Type of Coverage: Mobilehome

Each mobilehome profile is represented by a three-digit code indicating: deductible amount, age of home, and amount of coverage.

Deductible

  • 5. $500 Deductible

Age of Mobilehome

  • 1. New
  • 4. 15 Years
  • 6. 30 Years

Amount of Coverage

  • 0. Amount of Coverage $50,000
  • 1. Amount of Coverage $100,000

Type of Coverage: Condominium, Multi-Family Building (6+ Units, Frame Construction)

Each condominium profile is represented by a three-digit code starting with 7. The second digit indicates the deductible amount, and the third digit indicates the amount of coverage.

Coverage Type

  • 7. Condominium

Deductible

  • 1. $500 Deductible
  • 2. $1,000 Deductible

Amount of Coverage

  • 1. Amount of Coverage $25,000
  • 2. Amount of Coverage $50,000
  • 3. Amount of Coverage $75,000
  • 4. Amount of Coverage $100,000

Type of Coverage: Renters/Tenants Multi-Family Building (6+ Units, Frame Construction)

Each renters/tenants profile is represented by a three-digit code starting with 8. The second digit indicates the deductible amount, and the third digit indicates the amount of coverage.

Coverage Type

  • 8. Renters/Tenants

Deductible

  • 1. $500 Deductible

Amount of Coverage

  • 1. Amount of Coverage $15,000
  • 2. Amount of Coverage $25,000
  • 3. Amount of Coverage $30,000
  • 4. Amount of Coverage $50,000
  • 5. Amount of Coverage $70,000

Type of Coverage: Earthquake

Each earthquake profile represents a specific residential property that an insurance company may insure or have the California Earthquake Authority (CEA) provide the coverage. The company may provide the rates per thousand or sample annual premiums. Please check the HPS Earthquake Summary report.

  • Profile 901 represents the earthquake insurance provided to a single family (Frame) home
  • Profile 906 represents the earthquake insurance provided to a mobilehome
  • Profile 907 represents the earthquake insurance provided to a condominium unit
  • Profile 908 represents the earthquake insurance provided to a renters/tenants
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