San Bernardino Insurance Rates:

San Bernardino ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the San Bernardino, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in San Bernardino, CA is $1321. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in San Bernardino, CA: Customer-Reviewed Options


San Bernardino, CA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in San Bernardino, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in San Bernardino, CA.

Coverage Level Average Annual Premium
$100,000 $528
$200,000 $898
$300,000 $1,110
$400,000 $1,691
$500,000 $2,127


San Bernardino, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in San Bernardino can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
092410 $1,217
92407 $1,253
92408 $1,239
92401 $1,230
92404 $1,235
92411 $1,224


San Bernardino, CA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in San Bernardino, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,354
$1000 Deductible $1,211
$1500 Deductible $1,143
$2500 Deductible $1,030
$5000 Deductible $872



Top Home Insurance Agents Near San Bernardino, CA

Home Insurance Company Near San Bernardino, CA Homeowners Insurance Agency Near San Bernardino, CA Address
NA Aj Longo & Assoc Ins & Fin Services 253 N Lake Ave, Pasadena, CA, 91101
State Farm Cathy Shi 18725 Gale Ave Ste 209, City Industry, CA, 91748-1358
State Farm Jonette Phillips 3452 E. Foothill Blvd, Pasadena, CA, 91107
State Farm Lynn Wen 909 S Santa Anita Ave Ste J, Arcadia, CA, 91006-2362
Travelers Ric Insurance General Agency Inc 2492 WALNUT AVE STE 250, TUSTIN, CA, 92780

San Bernardino, CA Home Insurance Agents for Top Companies


San Bernardino, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Colton city, California $74 $99 $148
Rialto city, California $75 $99 $149
Grand Terrace city, California $76 $101 $151


San Bernardino, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
San Bernardino, CA2.8%12.7%
Grand Terrace2.57%11.6%

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

Cost Of Homeowners Insurance By Street Near San Bernardino, CA

Streets in San Bernardino Area Homeowners Insurance Cost
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

San Bernardino, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Bernardino$90 to $92
Grand Terrace$91

Average Cost Of Home Insurance By Company In Areas Nearby San Bernardino For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewHartford (Sentinel)713
150000500NewAIG Prop Cas671
2500001000NewHorace Mann498
300000500NewAmica Mutual702
5000001000NewFirst American Ins1040
1500002501-3 YearsAmerican Modern570
1500002501-3 YearsChubb/Federal897
1500002501-3 YearsLiberty Ins Corp949
1500005001-3 YearsCalifornia Capital419
2000005001-3 YearsAmerican Reliable569
2000005001-3 YearsStillwater Ins Co725
25000010001-3 YearsCentury National577
25000010001-3 YearsForemost Insurance855
3000005001-3 YearsEncompass1324
40000010001-3 YearsChubb/Federal1691
50000010001-3 YearsIntegon/National1245
75000025001-3 YearsKemper1366
1500005004-6 YearsTokio Marine America306
25000010004-6 YearsCalifornia Capital576
3000005004-6 YearsAmerican Reliable832
3000005004-6 YearsMercury Ins Group519
40000010004-6 YearsAmerican Reliable1009


San Bernardino, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly San Bernardino Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to San Bernardino Home Owner from High Deductible Plan $600


San Bernardino, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Bernardino, CA Home Replacement Value MORE than Home Value San Bernardino, CA Home Replacement Value LESS than Home Value
Replacement Value $341,000 $242,000
Insurance Premium based on Replacement Value $1,125 $800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $49,500 Risk Exposure from Under Insuring Coverage is $49,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $150/year


Example San Bernardino Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceLiberty MutualFarmers Insurance
Monthly Premium 435745
Year Built 196219792005
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $200000-$250000$250000-$300000$300000-$350000
Deductible $2500-$5000 Deductible$500 Deductible> $10,000 Deductible