San Bernardino Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find cheap homeowners insurance in San Bernardino


Home insurance is a hugely important part of owning a home. Fire, vandalism, theft, and wind damage are just a few of the perils for which home insurance can protect your dwelling and personal property. With the relative frequency of such events -- along with the high cost of rebuilding or repairing a home -- obtaining homeowners insurance is a sound investment.

The cost of home insurance coverage is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance policies may be more expensive to account for the extra risk. Learn more information about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in San Bernardino, start with looking around and comparing different policies. Take a look at the summary below showing average San Bernardino homeowners insurance rates to ensure you start your search with as much background info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


San Bernardino, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in San Bernardino by insurance company

Homeowners insurance rates in San Bernardino vary from one insurance company to another. 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.

Begin your search for a home insurance policy by reviewing the cheapest companies in San Bernardino, California, listed below.


CHEAP HOMEOWNERS INSURANCE COMPANIES IN SAN BERNARDINO
CompanyAverage Annual Rate
Mercury$700
USAA$703
Nationwide$786
Allstate$806
AmTrust NGH$860

Average homeowners insurance costs in San Bernardino by coverage level

The level of home coverage you select has an impact on your insurance premiums. In San Bernardino, carrying $200K dwelling coverage costs an average of $969, while carrying additional coverage up to $400K costs $1,817/year.


HOMEOWNERS INSURANCE RATES IN SAN BERNARDINO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$969
$400K Dwelling$1,817

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San Bernardino home insurance rates by ZIP code

Depending on the part of San Bernardino you live in, you could see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can dramatically influence your home insurance premium.

To find the most affordable home insurance rates in San Bernardino, look no further than 92354. In the 92354 area, homeowners policies typically cost just $943 per year — a full $-96 less than the San Bernardino average. Find the best places to live in San Bernardino for cheap home insurance by looking at the following table.


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

Other areas of San Bernardino, it should be noted, face homeowners rates that surpass the city average . Such areas might face a higher danger of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. With an annual average premium of $1,002, 92403 comes in as the most expensive ZIP code in San Bernardino for home insurance.


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



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Looking for a money-saving tip for insurance in San Bernardino? Try bundling

If saving money is your main concern, it might be worth insuring your home and auto through the same insurance company. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, San Bernardino homeowners could see annual savings of 12% on average.


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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance professional today.


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