Home insurance in Los Gatos, CA

Every Los Gatos ZIP code, hardest first

Fire zones and flood zones differ house to house. Check a Los Gatos address for the zones at the house itself.

Who's taking new customers

These large insurers say they're writing new homeowners policies in California (statewide; each decides home by home): Farmers, Mercury, CSAA (AAA Northern California), USAA, California Casualty, Pacific Specialty, PURE (high-value homes), MS Transverse (new entrant). Each ZIP code page above lists the companies the state shows for that ZIP code, with phone numbers. Who's still writing in California.

Common questions about home insurance in Los Gatos

Can you get home insurance in Los Gatos?

Of its 3 ZIP codes, 2 are rated Hardest and 1 Harder to insure. About 18% of insured homes are on the FAIR Plan, the state's insurer of last resort. Private insurers are still writing in much of California; each decides home by home, and the California FAIR Plan is the backup if none will.

Which Los Gatos ZIP code is hardest to insure?

95033, with about 41% of insured homes on the FAIR Plan. The easiest is 95032, at about 4%.

How much is the FAIR Plan in Los Gatos?

The average FAIR Plan premium for an owner-occupied home in Los Gatos is about $6,912 a year, for fire coverage only (California FAIR Plan Association, June 2026). Most owners add a separate policy for theft, water damage and liability.

Is Los Gatos under a wildfire moratorium?

No wildfire non-renewal moratorium covers Los Gatos right now. Insureability checks the Department of Insurance's bulletins every day.

Updated October 26, 2026. General information, not insurance or legal advice. Insureability is not an insurance company, agency or broker and doesn't recommend insurers.