California has 39,287,376 residents. We list 81 agencies for disability income insurance in California. Here is what the local numbers say about the cover people here need.

California at a glance

81disability income insurance agencies listed
44.1%of households rentRenters insurance
$734,700median home valueHome insurance
1976median year homes were builtRebuild cost calculator
7.1%of households have no carAuto insurance
3.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across California

How many of California’s 58 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Inland flooding33 of 58 counties
Very High in Los Angeles County, Riverside County, Orange County and 6 more.
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
Wildfire30 of 58 counties
Very High in Riverside County, San Diego County, Los Angeles County and 1 more.
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in California
Earthquake27 of 58 counties
Very High in Alameda County, Los Angeles County, Orange County and 4 more.
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance in every state
Lightning10 of 58 counties
Very High in Los Angeles County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in California
Coastal flooding8 of 58 counties
Very High in Marin County.
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California
Winter weather3 of 58 counties

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in California How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies California agencies work with

Of the 81 California agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Mutual life carrier52 agencies
Metropolitan Life Insurance Company47 agencies
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY47 agencies
UnitedHealthcare47 agencies
Unum47 agencies
Nationwide46 agencies
Principal44 agencies
National Pacific Dental,43 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY42 agencies
The Lincoln National Life Insurance Company39 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Disability Income insurance in California

All insurance agencies in California · Disability Income insurance in every state

Where can I find disability income insurance in California?

Pick your city in the list on this page to see every agency there that offers disability income insurance, or search by name or ZIP code.

What does disability income insurance cover?

Replaces part of your income if illness or injury stops you working.

Which insurance companies do California agencies work with?

Among the 81 California agencies whose appointments we hold, the companies they are most often appointed with are Mutual life carrier (52), Metropolitan Life Insurance Company (47), PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY (47), UnitedHealthcare (47), Unum (47). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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