Yes, my homeowner renewal in San Bernardino county was 11% which I though was reasonable. What is not reasonable though is the coverage of close to 400,000 for personal property. I could easily drop that coverage to half of that, since I have no valuable stuff. I think I called them last year to try and reduce it and was told it's all tied into the dwelling coverage amount so I'd have to reduce that as well.
The earthquake coverage is $562 which also sounds reasonable but it comes with an eye watering deductible of $78,000 and I'm pretty sure that's the lowest deductible I can get with Residence Mutual. Every year, I plan to look for a different company but leave it to the last minute and end up staying with Residence, part of the reason being that 11 years ago I had a massive water damage claim for an upstairs flood and they were there for me. The claim was well over 100,000, I saw some of the checks that they wrote including a hotel for me for 3 months and boarding for my 2 dogs and 2 cats which really cost them a bundle.
California does offer EQ insurance through some insurers but you have to go to them for both the EQ and homeowners policies which were far higher than what I am currently paying and I worry about getting paid if something were to happen.