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Home insurance in Santa Monica, CA
5 ZIP codes · updated October 26, 2026
All 5 of its ZIP codes are rated Harder to insure. Across Santa Monica, about 4% of insured homes are on the FAIR Plan, the state's insurer of last resort, 3.1 times the 2021 count.
| Santa Monica | Los Angeles Co. | California | |
|---|---|---|---|
| Homes on the FAIR Plan | 4% | 8% | 8% |
| FAIR Plan policies | 436 (3.1× since 2021) | 155,514 | 665,607 |
| FAIR Plan premium, average | $4,292 | $2,341 | $3,001 |
| ZIP codes mostly in a Very High fire zone | 0 of 5 | 47 of 278 | 291 of 1,719 |
Official FAIR Plan counts and premiums from the California FAIR Plan Association (June 2026; premium is fire-only, owner-occupied homes); fire zones from CAL FIRE. Sources
Every Santa Monica ZIP code, hardest first
| ZIP code | On FAIR Plan | FAIR Plan premium | Very High fire | Outlook |
|---|---|---|---|---|
| 90401 | 6% | – | – | Harder |
| 90402 | 5% | $5,422 | 48% | Harder |
| 90404 | 4% | $1,523 | – | Harder |
| 90403 | 4% | $4,811 | – | Harder |
| 90405 | 2% | $1,424 | – | Harder |
Fire zones and flood zones differ house to house. Check a Santa Monica 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 Santa Monica
- Can you get home insurance in Santa Monica?
- All 5 of its ZIP codes are rated Harder to insure. About 4% 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 Santa Monica ZIP code is hardest to insure?
- 90401, with about 6% of insured homes on the FAIR Plan. The easiest is 90405, at about 2%.
- How much is the FAIR Plan in Santa Monica?
- The average FAIR Plan premium for an owner-occupied home in Santa Monica is about $4,292 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 Santa Monica under a wildfire moratorium?
- No wildfire non-renewal moratorium covers Santa Monica 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.
Nearby cities: Los Angeles · all of Los Angeles County
Guides: the FAIR Plan explained · buying in a fire zone · got a non-renewal?