San Diego Homeowners Insurance

Find cheap home insurance in San Diego


One of the most important aspects of homeownership is home insurance. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such events -- and the high cost of rebuilding or repairing damages to a home -- obtaining homeowners insurance is a wise investment.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. 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. Discover more about what a home insurance policy covers.

If you want to find inexpensive home insurance coverage in San Diego, start with shopping around and comparing a variety of different policies. Take a look at the summary below showing average homeowners insurance rates in San Diego to begin your homeowners insurance search with as much 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 Diego, California, homeowners insurance — contents:
  1. Rates by insurance company
  2. Rates by coverage level
  3. Rates by neighborhood
  4. Rates by deductible amount
  5. Insurance bundle discounts

Home insurance in San Diego by insurance company

San Diego homeowners insurance rates will vary depending on which insurance company you choose. The most affordable home insurance in San Diego is USAA offering average annual rates at just $615 per year. This is considerably cheaper than the city’s average homeowners premium of $930.

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


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

Your chosen amount of homeowners coverage impacts the insurance premiums you pay . In San Diego, carrying $200K dwelling coverage costs an average of $674, while carrying additional coverage up to $400K costs $1,154 per year.


HOMEOWNERS INSURANCE RATES IN SAN DIEGO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$359
$200K Dwelling$674
$250K Dwelling$757
$400K Dwelling$1,154

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San Diego homeowners insurance rates by ZIP code

Depending on which part of San Diego you live in, you might 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, where you live could have a huge impact in what you pay for homeowners coverage.

If you're looking for the most affordable home insurance rates in San Diego, take at look at the 92107 ZIP code. In the 92107 area, homeowners policies typically cost just $775 per year — a full $155 less than the San Diego average. The below table shows the best places to live in San Diego if you’re looking for affordable homeowners insurance.


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

Other areas of San Diego, however, face homeowners rates that surpass the city average . These areas could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. 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

Home insurance deductibles in San Diego

Homeowners have a lot of decisions to make when purchasing a policy, including how high or low to set their deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. Choosing your deductible can have a major impact on how much you pay for your coverage.

When choosing a deductible, remember that the higher your deductible is, the lower your insurance rates will be. Therefore, you may want to think about setting a higher deductible if your are hoping to lock in lower home insurance premiums. Remember that your deductible should only be as high as you can reasonably pay in the event of a covered loss.

The following chart illustrates the average premiums affiliated with most deductibles.


HOME INSURANCE RATES BY DEDUCTIBLE IN SAN DIEGO
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$850
$1,000$757
$1,500$714
$2,000$645
$5,000$543

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

If you’re seeking savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, San Diego homeowners could see annual savings of 12% on average.


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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.


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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.