Novato has 52,546 residents in 20,056 households. We list 3 agencies for home insurance in Novato. Here is what the local numbers say about the cover people here need.

Novato at a glance

3home insurance agencies listed
33.9%of households rentRenters insurance
$1,032,500median home valueHome insurance
1975median year homes were builtRebuild cost calculator
5%of households have no carAuto insurance
3.1%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 in Marin County

FEMA rates the overall natural hazard risk in Marin County, where most Novato agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
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

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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 Novato How much liability cover do you need?

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

Where Novato agencies are

Novato agencies we list sit in 2 ZIP codes, mostly in Marin County.

949452 agencies
949471 agency

Questions

Home insurance in Novato

All insurance agencies in Novato · Home insurance across California

Where can I find home insurance in Novato?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Novato?

FEMA's National Risk Index rates coastal flooding risk in Marin County as Very High compared with other U.S. counties. 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.

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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