San Bernardino Insurance Rates:

San Bernardino, CA homeowners insurance is approximately $512 to $692, about $42-$57/month. Our all inclusive guide indicates shoppers can save upto $240 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
This company offers extensive options at far more reasonable prices than competitors.
State Farm
I think our deductible is cheaper than most other insurance companies.....a few are cheaper, but our overall experience with our company keeps us with them.
I would definitely recommend my local agents. The company help line is also helpful.
The premium s charged are much lower than other companies that I have used like State Farm because they serve primarily rural populations who tend not to file fraudulent claims and take better care of their properties.
the premium and deductible policy compared to others policies maybe could be better but i think its the best at the moment from what i've seen
State Farm
I would rate my experienece with home insurance companies a 4 out of 5. I have only ever had to make one claim and that one claim went through with minimal hassle.
State Farm
My rates went down considerably when I switched over from Geico to State Farm. The premium was lower and the deductible as well.
I would recommend it for the prices of its rates and I would not recommend it because it fails a bit in its customer service.
State Farm
I’m satisfied with the service of this company. Prompt solutions and great at customer service I will recommend to anyone this insurance.
State Farm
I have had issues with storm damage that state farm has helped me use my home owner's insurance policy to get repaired.
State Farm
I hear that response time can be very bad, like one instance where a tree fell on a statefarm customers house, and it took a very long time for a claims adjuster to come by. the customer also had no electricity and gas for a whole week and statefarm apparently didn't care about it.
State Farm
The fact that there are local agents available to service and handle claims is very lucrative. My local agent knows my name and my information. The local agent has been available to me directly for the past decade.
Stillwater Insurance Group
Based on the quotes i received from other companies in the past, i saved ten percent by going with this company.
Safeco Insurance
I can't say I dislike this company because I have not had any issues.
I love this company because it is so easy to sign up and go thru the quote and pay, the app is ready for when you need to claim.
Farmer's Insurance
The human customer service has always worked out well and I have had this insurance on my cars for over thirty years.
Liberty Mutual
They always keep me updated with regards to the insurance, like payment due or if there will be any changes. Also if there are any storms that might cause damage they notify me beforehand.
State Farm
I used to get quite a bit of junk mail from them. Not so much anymore now that they are moving away from local agents.
I don't receive excessive emails or phone calls from them. I receive a monthly email blog which I can choose to read or ignore.
Farmer's Insurance
I think if I had anything negative to say it would be about their website. Although I don't mind calling my agent sometimes you just want to look things up. I think they could do a better job of making a more user-friendly website.
Farmer's Insurance
It is easy to find help. They help us so quick. There is no real confusion. They explain things very well. The price is not bad at all.
They are not up to date. They are old school and the technology on their website is not up to date.
I never give people unsolicited recommendations for services. I rarely have people ask me for insurance company recommendations. If I did have someone ask me I would give this company a positive review. Though really, those people will do their own research and look for the policy that best suits them.
I dislike that certain policies must still be handled by a person and not over the phone. Some things even need to be handled in writing and have to be faxed to the agent.
Liberty Mutual
I would recommend this company because they were less expensive for the same amount of coverage. Further their website is user friendly. And the customer service is great.
Liberty Mutual
I don't like those premiums go up a little bit each year. I didn't like that they moved their local office further out into the suburbs from their old location which was more convenient for me. Sometimes, they send me to much info to my email which is borderline spam.
State Farm
The premiums continue to grow with each passing year across multiple policies, and in general, there appears to be less and less human contact with respect to servicing these policies.
I used to work at the company so they gave me a good discount. Also they have cheap rates for my area, so it made sense.

San Bernardino, CA Homeowners Insurance By Home Value

San Bernardino, CA Home Value Total Homes % of Total Average San Bernardino, CA 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

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

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

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

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

Sample Home Insurance Rates for San Bernardino, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 410,000 Membrane Roof 3,330 4 > $10,000 Deductible 140 3 Wood siding yes
1995 320,000 Wood Shake Roof 2,260 3 $1000-$2500 Deductible 360 4 Stone Siding No
1991 565,000 Wood Shake Roof 4,020 5 > $10,000 Deductible 880 12 Brick siding No
1987 215,000 Slate Shingles Roof 1,710 2 $2500-$5000 Deductible 170 4 Wood siding yes
1983 170,000 Metal Roof 1,620 4 $2500-$5000 Deductible 190 8 Stone Siding yes
2010 135,000 Metal Roof 1,380 2 $1000-$2500 Deductible 200 8 Wood siding No
2011 280,000 Composition Roof 1,960 4 $500- $1000 Deductible 200 3 Stucco siding No
1980 165,000 Asphalt Shingles Roof 1,470 3 $1000-$2500 Deductible 350 10 Stone Siding No
1990 250,000 Metal Roof 2,210 3 $5000 to $10,000 Deductible 40 1 Stone Siding No
2012 235,000 Composition Roof 2,120 3 $1000-$2500 Deductible 130 3 Stucco siding yes
2014 260,000 Composition Roof 1,840 3 > $10,000 Deductible 240 7 Brick siding No
1999 515,000 Wood Shake Roof 4,730 5 $5000 to $10,000 Deductible 160 2 Fiber-Cement Siding yes
1994 310,000 Slate Shingles Roof 3,120 5 > $10,000 Deductible 130 3 Stone Siding yes
2009 310,000 Slate Shingles Roof 2,380 3 $500- $1000 Deductible 810 9 Brick siding yes
1980 170,000 Wood Shake Roof 1,360 3 $500- $1000 Deductible 320 7 Stone Siding No
1991 490,000 Wood Shake Roof 3,810 5 $5000 to $10,000 Deductible 1120 10 Wood siding No
1975 170,000 Tile Roof 1,350 2 $5000 to $10,000 Deductible 120 5 Fiber-Cement Siding No
1969 365,000 Composition Roof 2,760 4 $500- $1000 Deductible 70 1 Fiber-Cement Siding No
1974 165,000 Shingles Roof 1,730 5 $500 Deductible 130 4 Stone Siding yes
2013 270,000 Tile Roof 1,890 3 $5000 to $10,000 Deductible 220 7 Stucco siding No
1989 230,000 Slate Shingles Roof 1,750 5 $2500-$5000 Deductible 560 12 Wood siding yes
1995 335,000 Tile Roof 2,890 4 $5000 to $10,000 Deductible 90 2 Vinyl siding No
1996 260,000 Shingles Roof 2,600 4 > $10,000 Deductible 310 10 Stucco siding No
1975 185,000 Slate Shingles Roof 1,550 2 $500- $1000 Deductible 240 6 Fiber-Cement Siding yes
1975 210,000 Slate Shingles Roof 1,460 2 > $10,000 Deductible 30 1 Wood siding No
1978 230,000 Wood Shake Roof 2,340 3 $2500-$5000 Deductible 140 4 Vinyl siding No
1961 155,000 Tile Roof 1,510 5 $500 Deductible 300 7 Stucco siding yes
1971 240,000 Membrane Roof 1,750 5 $2500-$5000 Deductible 180 5 Fiber-Cement Siding yes
1986 665,000 Membrane Roof 4,770 5 > $10,000 Deductible 400 4 Fiber-Cement Siding No
1987 190,000 Metal Roof 1,438 3 > $10,000 Deductible 600 12 Fiber-Cement Siding No

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