San Bernardino, CA Home Insurance - Analysis On Quotes, Rates & Agents
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.
Latest Home Insurance Reviews
I have had issues with storm damage that state farm has helped me use my home owner's insurance policy to get repaired.
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.
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.
Based on the quotes i received from other companies in the past, i saved ten percent by going with this company.
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.
The human customer service has always worked out well and I have had this insurance on my cars for over thirty years.
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.
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.
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.
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.
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.
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|
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
|Place||Savings For Senior Occupied Homes|
|San Bernardino||$90 to $92|
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
|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%|
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 ($)||Age of home||Company||Average homeowners insurance premium ($)|
|150000||500||New||AIG Prop Cas||671|
|500000||1000||New||First American Ins||1040|
|150000||250||1-3 Years||American Modern||570|
|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|
|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|
San Bernardino, CA Home Insurance Costs With Deductible Scenario
|Low Deductible||High 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|
|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 Insurance||Liberty Mutual||Farmers Insurance|
|Home Details||2 Beds, 1 Baths||3 Beds, 1 Baths||4 Beds, 3 Baths|
|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|
|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|