Home Insurance in San Diego, CA

How to find affordable homeowners insurance in San Diego

Home insurance is an important investment for any homeowner. Along with personal property, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. 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 average San Diego, California homeowner pays $78 per month for home insurance. This is less than the national average monthly cost of home insurance.

The cost of homeowners insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance rates may be higher to account for the extra risk. Learn more info about what a home insurance policy covers.

If you want to find cheap home insurance coverage in San Diego, start with shopping around and comparing a variety of different policies. Have a look at the summary below comparing average San Diego homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance costs may vary based on your coverage limits and other 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 Diego home insurance by 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 lowest cost home insurance companies in San Diego, California, listed below. Then, see our list of which homeowners insurers ranked best for customer satisfaction. 

 

AFFORDABLE HOME INSURERS IN SAN DIEGO

Company	Average Annual Rate
USAA	$615
Mercury	$626
AAA	$718
AmTrust NGH	$721
Nationwide	$745

 

San Diego homeowners insurance prices by coverage level

Your chosen level of homeowners coverage has an impact on 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.

 

POPULAR COVERAGE LIMITS IN SAN DIEGO

Coverage Level	Average Annual Rate
$100K Dwelling	$359
$200K Dwelling	$674
$250K Dwelling	$757
$400K Dwelling	$1,154

 

San Diego home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what area of San Diego in which you live. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact on what you pay for homeowners 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 HOME INSURANCE AREAS IN SAN DIEGO

ZIP Code	Average Annual Home Insurance Rate
92107	$775
92113	$778
92104	$780

Some parts of San Diego, however, are prone to homeowners insurance rates that are higher on average. These parts of town could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. The most expensive ZIP code for homeowners insurance in San Diego is 92025, where the average annual rate is $1,463.

 

EXPENSIVE HOME INSURANCE AREAS IN SAN DIEGO

ZIP Code	Average Annual Home Insurance Rate
92025	$1,463
92014	$1,393
92067	$887

 

San Diego homeowners insurance deductibles

One of the many choices that you will make when looking at homeowners insurance policies is how high or low to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing your deductible can have a major impact on how much you pay for your home policy.

When choosing a deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, consider a higher deductible if you aim to lock in lower home insurance premiums. Be mindful of the fact that your deductible should only be as high as you can reasonably afford if you suffer a loss.

Below you'll find some popular deductibles offered by most home insurance companies as well as with corresponding average insurance premiums.

 

HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN SAN DIEGO

Deductible Level	Average Annual Home Insurance Rate
$500	$850
$1,000	$757
$1,500	$714
$2,000	$645
$5,000	$543

 

Home and auto insurance bundling in San Diego

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, San Diego homeowners could see annual savings of 12% on average.

 

CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN SAN DIEGO

Company	Avg. Annual Auto Insurance Rate (With Bundle)
GEICO	$1,147
Mercury	$1,179
Farmers	$1,420
State Farm	$1,630
Allstate	$1,739