San Diego Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in San Diego


Home insurance should be a critical consideration for every homeowner. Along with personal property, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, having a home insurance policy is a solid investment.

The price of a homeowners insurance policy 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 likewindstorms, hail, fire, or even theft , home insurance policies may be more expensive to account for the extra risk. Discover more info about the specifics of home insurance coverage.

Finding cheap home insurance in San Diego starts with shopping around and comparing policies. Check out the below summary of average home insurance rates in San Diego to help you get as much information as possible when you start your search for homeowners insurance. 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 Diego, 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 Diego by insurance company

Homeowners insurance rates in San Diego vary from one insurance company to another. USAA offers the most affordable home insurance in San Diego, at just $615 per year. This compares favorably to the city’s average homeowners premium of $930.

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


AFFORDABLE HOME INSURANCE COMPANIES IN SAN DIEGO
CompanyAverage Annual Rate
USAA$615
Mercury$626
AAA$718
AmTrust NGH$721
Nationwide$745

Average homeowners insurance costs in San Diego by coverage level

The amount of homeowners coverage you select has an impact on your insurance premiums. In San Diego, carrying $200K dwelling coverage costs an average of $674, while carrying additional coverage up to $400K costs $1,206 per year.


HOMEOWNERS INSURANCE RATES IN SAN DIEGO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$674
$400K Dwelling$1,206

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San Diego home insurance rates by ZIP code

Depending on the part of San Diego you live in, you could see a dramatic difference in your home insurance costs. 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.

The cheapest home insurance rates in San Diego are available in 92107. In 92107, the typical home insurance policy costs $775 per year — $155 less than the citywide average in San Diego. The below table shows the best places to live in San Diego if you’re looking for affordable homeowners insurance.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN SAN DIEGO
ZIP CodeAverage Annual Home Insurance Rate
92107$775
92113$778
92104$780

Some parts of San Diego, however, have homeowners insurance rates that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up premiums in the area. With an annual average premium of $1,463, 92025 comes in as the costliest ZIP code in San Diego for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SAN DIEGO
ZIP CodeAverage Annual Home Insurance Rate
92025$1,463
92014$1,393
92067$887



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Money-saving tip for home and auto insurance in San Diego: bundling

If saving money is your primary concern, it might be worth insuring your home and auto through the same insurance company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in San Diego could, in fact, lead to average annual savings of 12%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SAN DIEGO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,147
Mercury$1,179
Farmers$1,420
State Farm$1,630
Allstate$1,739

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance expert today.


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