San Bernardino Insurance Rates:

San Bernardino, CA home insurance is approximately $512 to $692, about $42-$57/month. Our all inclusive guide indicates shoppers can save upto $240 by comparing different quotes

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San Bernardino Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $140/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

3 Beds, 3 Bath 2340 sqft Seasonal Residence Constructed In 1978 with Wood Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $300/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 1510 sqft Primary Residence Constructed In 1961 with Linoleum, Tile Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $180/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Bath 1750 sqft Vacation Property Constructed In 1971 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $400/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $665,000

5 Beds, 5 Bath 4770 sqft Vacation Property Constructed In 1986 with Linoleum, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $600/12 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1438 sqft Rental Property Constructed In 1987 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $130/2 months for $300,000 Coverage
2000 sft home that was just remodelled to upgrade from the original construction from the 1960's. Modern flooring, appliances, plumbing etc. Replacement cost should go up after the remodeling. 4 Bedroom/2 bathroom single family home.
Middle income earning $80k+ together. 2 Kids. One just left home. We both work for corporations in steady jobs.
Home Insurance Rate of $114/2 months for $340,000 Coverage
We are somewhat in risk of hurricanes & tornadoes so I want to make sure that my home insurance coverage takes care of that as well
My wife is a stay at home mom looking after our kids & I make about $50,000 in a health care organization.

San Bernardino, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92410 $88,400 $580
92407 $207,900 $600
92408 $181,400 $600
92401 $175,000 $600
92404 $166,700 $600
92411 $125,200 $590

San Bernardino Rates & Quotes Analysis:

San Bernardino Area Estimated House Insurance
Alice St, Miami Ave, W 31st St, E Hill Dr, 36th St, W Norwood St, Broadmoor Way, N Olive St, Stillman Ave, N Arlington Dr$595
Carro Amano Ln, Blue Wing Ct, S 9th St, Mt Vernon Ave, W Courtland Dr, Saffron Ave, W Cherry Ave, W Merryfields Ave, Lakewood Ct, Palo Alto Dr$624
Briarwood Ave, S Snow Creek Ln, Pine Bluff Ln, Black Pine Pl, Manuel Ave, Buckingham Dr, E Galway St, Elm Cir E, Terrace Ave, Ward Way$601
de Soto St, Jensen Ct, Sandra Ct, Fallbrook Ct, Forest Oaks Pl, Cottonwood Rd, Teak Ln, Fontlee Ct, W Tullock St, Hacienda Ct$618
Boeing Ave, Vaquero Dr, Hyacinth Ave, W Mellon Ct, Rancho Vista Dr, Sandburg Way, Clock Ave, Smiley Blvd, Madalena Cir, Aveiro Rd$572
Bellaire St, Furlow Dr, Vanderbilt St, George St, Fletcher View Dr, Caballero Ln, W Santa Ana Ave, Forest Ave, Loro Verde Ave, E Hanna St$590
Kellogg St, Kristin Ct, Sage Tree Rd, Fairfax Dr, E 47th St, Poppett Dr, Primrose St, Teaberry Ct, S Encina Ave, Berry St$588
Dark Canyon Rd, Almond Dr, Resource Dr, Edelweiss St, la Feliz Dr, W Norwood St, Eton Dr, Suzanne Dr, Orly Ct, E Pioneer Ave$605
S San Anselmo Ave, Quartzite Ln, Hubbard Ct, Alta Vista Way, N Terrace Rd, Fountain Pl, E San Jacinto St, S I St, E Valley Blvd, Mountain Side Ln$584
Terrace Pines Dr, Michigan St, N Rialto Ave, Forrest Ln, Vis Cielo, S Commercenter Dr E, Redlands Hts Rnch Rd, E Edgemont Dr, Marlay Ave, E Caroline St$573

Insurance rates are influenced by a number of factors including:

  • Year Built: 57,367 Homes (23% of total) built between 1980 to 1989 in San Bernardino are paying home insurance between $898-$907 and differs from Loma Linda (+$18), Fontana (+$10), Highland (+$12), Colton (-$12) and Muscoy (-$15).
  • Bedrooms: 87,540 3 bedrooms homes (37% of total homes ) in San Bernardino are paying about $229 in contrast with Fontana (+$3), Redlands (+$6), Lytle Creek (+$4), Colton (-$3) and Muscoy (-$4).
  • Auto Insurance Bundling: 48,813 Households (37% of all households) in San Bernardino have 3 or more vehicles available and when it is bundled with home insurance you can save $150. Discounts for similar bundling in close by locations such as Colton, Rialto, Grand Terrace come to $148, $149, $151 respectively.
  • Senior Discounts: 50,988 seniors (more than 55 years) occupied housing units (39% of total) in San Bernardino get discounts between $90 to $92 compared to Colton ($89), Grand Terrace ($91), Muscoy ($88).
  • New Homes discounts: New homes such as the 92,284 homes built between 2000 to 2009 in San Bernardino can save $120 and varies from Colton ($118), Rialto ($119), Grand Terrace ($121).

San Bernardino Homeowners insurance Facts

  • San Bernardino, CA has 129,919 owner occupied houses which is 58.6% of all units whereas Colton, Rialto and Grand Terrace have 51.74%, 62.38% and 64.0% respectively.
  • San Bernardino, CA homeowners yearly insurance price at $602 is 0.28% of the typical house value of $217,800 which is in contrast with 0.35% in Colton, 0.31% at Rialto & 0.24% in Grand Terrace.
  • Homeowners in San Bernardino, CA pay 2.68% of their income ($20,000 to $24,999) in insurance whereas homeowners in Colton, Rialto and Grand Terrace pay 2.64%, 2.66% and 2.7% respectively.
  • San Bernardino, CA’s insurance is 2.8% of monthly housing costs of $1,823/month, for owners with a mortgage compared to 3.07% in Colton, 2.86% at Rialto & 2.57% in Grand Terrace. But, for households without a mortgage, insurance is 12.7% of costs ($394 in San Bernardino, CA) in contrast with 12.92% in Colton, 11.97% at Rialto & 11.6% in Grand Terrace.

San Bernardino, CA Home Values & Insurance rates

For example, insurance for 8,857 Homes (7.0% of total homes ) valued between Less than $50,000 in San Bernardino, CA is about $66. Rates in nearby areas in such as Grand Terrace, Loma Linda, Highgrove are cheaper by $12, $17, $6 respectively while Colton and Rialto are costlier by $17 and $5 respectively for similar homes.

San Bernardino, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 8,857 7.0% $66
$50,000 to $59,999 1,491 1.0% $144
$60,000 to $69,999 1,703 1.0% $174
$70,000 to $79,999 1,971 1.0% $204
$80,000 to $89,999 2,657 2.0% $234
$90,000 to $99,999 2,007 1.0% $258
$100,000 to $124,999 8,834 7.0% $301
$125,000 to $149,999 8,239 7.0% $379
$150,000 to $174,999 12,963 11.0% $445
$175,000 to $199,999 9,334 8.0% $517
$200,000 to $249,999 19,489 16.0% $620
$250,000 to $299,999 16,630 14.0% $758
$300,000 to $399,999 21,561 18.0% $963

Renters Insurance in San Bernardino

  • Average Renters Insurance in San Bernardino :  $194($16/month)

  • Median Gross Rent in San Bernardino :  $1,024

  • San Bernardino Renters Insurance to Median Rent Ratio:  1.56%

  • Renter occupied housing units in San Bernardino :  91,757

San Bernardino Renters Insurance as a Percentage of Rent

San Bernardino Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,702 1.0% $798
$300 to $499 3,264 3.0% $1248
$500 to $749 11,581 12.0% $1923
$750 to $999 25,413 28.0% $2673
$1,000 to $1,499 31,464 35.0% $3798
$1,500 or more 15,147 16.0% $5448

Rent Affordability in San Bernardino:

Approximately 54.0% (50,341) of households are spending more than 35% of their income on gross rent in San Bernardino

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 6,279 6.0%
15.0 to 19.9 percent 8,757 9.0%
20.0 to 24.9 percent 9,351 10.0%
25.0 to 29.9 percent 9,096 9.0%
30.0 to 34.9 percent 7,933 8.0%
35.0 percent or more 50,341 54.0%

San Bernardino Renters Insurance Discounts:

San Bernardino Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in San Bernardino, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 39,535 43.0% $19.4
2 vehicles available 29,059 31.0% $29.1
3 or more vehicles available 11,084 12.0% $38.8

Protective device discount in San Bernardino Up to :  $29

Claims-free discount in San Bernardino Up to :  $38