San Bernardino Homeowners Insurance

Find cheap homeowners insurance in San Bernardino


Home insurance is an important investment for any homeowner. Fire, vandalism, theft, and wind damage are just some of the perils from which homeowners coverage can protect your dwelling and personal property. With the relative frequency of such events -- and the high cost of rebuilding or repairing damages to a home -- obtaining homeowners insurance is a sound investment.

What you pay for homeowners insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Learn more about what a home insurance policy covers.

If you want to find affordable homeowners insurance in San Bernardino, start with shopping around and comparing what different companies offer. Check out the below summary of average San Bernardino homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.


San Bernardino, California, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Policy bundling discounts

Homeowners insurance in San Bernardino by insurance company

San Bernardino homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in San Bernardino comes from Mercury, which offers average annual rates of just $700 per year. This is more favorable than the city’s average home insurance premium of $848.

Below you'll find a list of the cheapest homeowners insurance companies in San Bernardino, California to help you begin your search.


AFFORDABLE HOMEOWNERS INSURERS IN SAN BERNARDINO
CompanyAverage Annual Rate
Mercury$700
USAA$703
Nationwide$786
Allstate$806
AmTrust NGH$860

Average homeowners insurance rates in San Bernardino by coverage amount

The amount of homeowners coverage you select has an impact on your insurance rates. In San Bernardino, carrying $200K dwelling coverage costs an average of $969, while carrying additional coverage up to $400K costs $1,365 per year.


HOMEOWNERS INSURANCE RATES IN SAN BERNARDINO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$427
$200,000 Dwelling$969
$250,000 Dwelling$901
$400,000 Dwelling$1,365

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San Bernardino homeowners insurance prices by ZIP code

Home insurance premiums can vary depending on what area of San Bernardino in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, the neighborhood you live in could have a huge impact in what you pay for insurance.

To find the most affordable homeowners coverage in San Bernardino, look no further than 92354. In the 92354 area, homeowners coverage usually costs just $943 per year — a full $-96 less than the San Bernardino average. If you’re looking for the areas with the most affordable homeowners insurance in San Bernardino, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN SAN BERNARDINO
ZIP CodeAverage Annual Home Insurance Rate
92354$943
92376$961
92401$971

On the other hand, some areas of San Bernardino face higher homeowners insurance costs, on average. These areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. One of the costliest ZIP codes for homeowners coverage in San Bernardino is 92403, with an annual average rate of $1,002.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SAN BERNARDINO
ZIP CodeAverage Annual Home Insurance Rate
92403$1,002
92410$1,001
92407$993

Homeowners insurance deductibles in San Bernardino

Among the numerous decisions homeowners face when purchasing homeowners insurance is how high to set the deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Where you set your deductible can be a major factor in how much you pay for insurance.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those seeking lower home insurance costs will want to consider a higher deductible. It's worth mentioning that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following table displays the average premiums affiliated with most deductibles.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN SAN BERNARDINO
Deductible LevelAverage Annual Home Insurance Rate
$500$1,011
$1,000$901
$1,500$850
$2,000$765
$5,000$640

Money-saving tip: bundle home and auto insurance in San Bernardino

You might want to consider purchasing your auto and home insurance policies through the same company if saving money is one of your concerns. Bundling your homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in San Bernardino leads to average annual savings of 12%.


CHEAPEST CAR INSURANCE RATES WITH A POLICY BUNDLE IN SAN BERNARDINO
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,327
Mercury$1,444
Farmers$1,747
Allstate$1,947
CSAA$1,975

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.