California Insurance

Californians purchase a broad range of insurance to protect themselves from risks that would cause them high out of pocket expenses. California insurance companies offer coverage for risks ranging from auto accidents, medical expenses, death, or disability, to earthquakes, floods, travel cancellations, or pet injuries or illnesses. Insurance can be purchased by the individual, or sometimes it is provided in full or in part by an employer or by the government.California Insurance

Insurance Obtained by Individuals

Common insurances purchased by Californians are:

  • Automobile Insurance in case of accidents
  • Homeowners Insurance in case of fire or liability
  • Health Insurance in case of high medical expenses
  • Life Insurance in case of death

Other California Insurance can include:

  • Accident Insurance
  • Business Insurance
  • Critical Illness Insurance
  • Crop Insurance
  • Cyber-Insurance
  • Disability Insurance
  • Earthquake Insurance
  • Flood Insurance
  • Long Term Care Insurance
  • Pet Insurance
  • Renter’s Insurance
  • Short Term Medical Insurance

Insurance Provided by Employers

Many California employers provide insurance to their employees as a competitive benefit in addition to wages. Sometimes employers are mandated by law to provide certain types of insurance. Check with your employer’s human resources department to find out qualifications and share of costs for the following possible insurance benefits offered to you:

Insurance Provided by Government Agencies

Federal or state government agencies may provide Californians with insurance in certain situations, such as in the case of a disability or when income or age reaches certain limits.

California Department of Insurance

The California Department of Insurance (CDI) is a state governmental agency that regulates and oversees all California insurance companies, brokers, and agents. It exists to protect Californians from insurance fraud and to enforce California Insurance Codes. It is headed by the California Insurance Commissioner who is elected by popular vote.

  • LicensingAll agents and brokers must have a California insurance license to transact insurance in the state of California. To verify someone’s information that is selling you insurance, you can do a California insurance license lookup here. For more information on the process of agent certification for health insurance, check out: Health Insurance Broker Certification in California.
  • Insurance Company InformationThe CDI also provides a Company Profile Search to help consumers learn about a company’s location, complaint history, and financial strength
  • ComplaintsIf you have a complaint about your insurance company, you can visit the website of this California insurance department at and choose one of the two following options: file a complaint online or print and submit a complaint form by mailInformation or questions can be made by calling the California Department of Insurance Consumer Hotline at 1-800-927-4357.

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.