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.
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 |
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 |
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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| San Bernardino, CA | 2.8% | 12.7% |
| Colton | 3.07% | 12.92% |
| Rialto | 2.86% | 11.97% |
| Grand Terrace | 2.57% | 11.6% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Bernardino | $90 to $92 |
| Colton | $89 |
| Grand Terrace | $91 |
| Muscoy | $88 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Hartford (Sentinel) | 713 |
| 150000 | 500 | New | AIG Prop Cas | 671 |
| 250000 | 1000 | New | Horace Mann | 498 |
| 300000 | 500 | New | Amica Mutual | 702 |
| 300000 | 500 | New | Chubb/Federal | 1404 |
| 500000 | 1000 | New | Encompass | 1642 |
| 500000 | 1000 | New | First American Ins | 1040 |
| 150000 | 250 | 1-3 Years | American Modern | 570 |
| 150000 | 250 | 1-3 Years | Chubb/Federal | 897 |
| 150000 | 250 | 1-3 Years | Liberty Ins Corp | 949 |
| 150000 | 500 | 1-3 Years | California Capital | 419 |
| 200000 | 500 | 1-3 Years | American Reliable | 569 |
| 200000 | 500 | 1-3 Years | Stillwater Ins Co | 725 |
| 250000 | 1000 | 1-3 Years | Century National | 577 |
| 250000 | 1000 | 1-3 Years | Foremost Insurance | 855 |
| 300000 | 500 | 1-3 Years | Encompass | 1324 |
| 400000 | 1000 | 1-3 Years | Chubb/Federal | 1691 |
| 500000 | 1000 | 1-3 Years | Integon/National | 1245 |
| 750000 | 2500 | 1-3 Years | Kemper | 1366 |
| 150000 | 500 | 4-6 Years | Tokio Marine America | 306 |
| 250000 | 1000 | 4-6 Years | California Capital | 576 |
| 300000 | 500 | 4-6 Years | American Reliable | 832 |
| 300000 | 500 | 4-6 Years | Mercury Ins Group | 519 |
| 400000 | 1000 | 4-6 Years | American Reliable | 1009 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $2,000 |
| 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 | |
| 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 |
| Insurance Company | Chubb Group of Insurance | Liberty Mutual | Farmers Insurance |
| Monthly Premium | 43 | 57 | 45 |
| Year Built | 1962 | 1979 | 2005 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $200000-$250000 | $250000-$300000 | $300000-$350000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | > $10,000 Deductible |