Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How to find affordable homeowners insurance in San Bernardino

Home insurance should be a critical consideration for every homeowner. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, homeowners coverage is a solid investment. The average homeowners policy costs $71 per month in San Bernardino, California. This less than the national average.

The price of a homeowners insurance policy 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 home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more information about the specifics of home insurance coverage.

If you want to find cheap home insurance in San Bernardino, start with shopping around and comparing policies. Have a look at the summary below comparing average San Bernardino homeowners insurance costs to ensure you start your search with as much background info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

San Bernardino home insurance by 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 homeowners premium of $848.

Below you'll find a list of the cheapest home insurance companies in San Bernardino, California to help you start your search. You can also see our guide ranking the best home insurers by customer satisfaction, third-party ratings, and other factors. 

Company Average Annual Rate
Mercury $700
USAA $703
Nationwide $786
Allstate $806
AmTrust NGH $860

San Bernardino homeowners insurance prices by coverage level

Your chosen amount of homeowners coverage determines the insurance premiums you pay . In San Bernardino, carrying $200K dwelling coverage costs an average of $969, while carrying additional coverage up to $400K costs $1,365 per year.

Coverage Level Average Annual Rate
$100K Dwelling $427
$200K Dwelling $969
$250K Dwelling $901
$400K Dwelling $1,365

San Bernardino home insurance rates by ZIP code

Home insurance costs can vary depending on what area of San Bernardino in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can dramatically affect your home insurance premium.

The cheapest home insurance rates in San Bernardino are available in 92354. In 92354, the typical home insurance policy costs $943 per year — $-96 less than the citywide average in San Bernardino. If you’re looking for the areas with the most affordable homeowners insurance rates in San Bernardino, have a look at the table below.

ZIP Code Average Annual Home Insurance Rate
92354 $943
92376 $961
92401 $971

Other areas of San Bernardino, however, face homeowners rates that are higher than the city average . These areas might face a higher probability of perils such as severe weather and fires. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. An average annual rate of $1,002 makes 92403 the most expensive ZIP code in San Bernardino for homeowners insurance.

ZIP Code Average Annual Home Insurance Rate
92403 $1,002
92410 $1,001
92407 $993


San Bernardino homeowners insurance deductibles

Homeowners have numerous choices to make when purchasing a homeowners policy, including how much their deductible should be. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing where to set your deductible impacts how much you pay for your home policy.

When choosing a deductible, bear in mind that the higher your deductible is, the lower your premiums will be. Therefore, you may want to think about setting a higher deductible if your are hoping to lock in lower rates. Remember that your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Take a look at the average deductibles offered by insurers and an approximation of average homeowners insurance costs.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,011
$1,000 $901
$1,500 $850
$2,000 $765
$5,000 $640

Home and auto insurance bundling in San Bernardino

If saving money is your primary concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in San Bernardino leads to average annual savings of 12%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $1,327
Mercury $1,444
Farmers $1,747
Allstate $1,947
CSAA $1,975

Compare quotes on San Bernardino, CA home insurance today!

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.