Here is a tip for getting the cheapest California homeowners insurance that you might NOT have considered: If you are retired, you can pay lower rates with a retiree discount. Since not every carrier offers this discount, find out from your agent before you put pen to paper. Insurers who give this discount knowing that burglars rarely go to homes where they know somebody is usually around. In addition, Fires will be quickly noticed and put off if someone is always at home. So, you can begin to enjoy life as a retiree by cutting down on your home insurance spend albeit by a little margin (Every bit counts these days).