Are you really serious about getting the cheapest California homeowners insurance? Do not insure your house along with the land it is standing on as this will cost you more but quite unnecessary. Folks do this without knowing. They just insure their house for its full value without deducting the land’s cost.
For those who have ignorantly done this, call your agent and go through your home insurance coverage again. Deduct the land’s cost and you will discover that you will need far less coverage. This means you’ll pay far less on home insurance. No matter what you do and who you meet, remember that the only things you insure are things that can be stolen or damaged and your land is not one of such.