San Diego Insurance Rates:

San Diego ,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 Diego, 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 Diego, CA is $1384. Enter your zipcode below and click “GO” to get multiple free quotes.

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

 

San Diego, CA Homeowners Insurance Rates by Coverage Level

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

Coverage Level Average Annual Premium
$100,000 $554
$200,000 $941
$300,000 $1,163
$400,000 $1,772
$500,000 $2,228

 

San Diego, CA Homeowners Insurance Rates by ZIP Code

Home insurance costs in San Diego 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
092130 $1,439
92106 $1,412
92109 $1,388
92107 $1,392
92131 $1,370
92127 $1,377
92121 $1,356
92129 $1,355
92122 $1,347
92103 $1,359
92124 $1,329
92128 $1,324
92120 $1,318
92110 $1,326
92101 $1,312
92116 $1,326
92117 $1,326
92104 $1,324
92119 $1,313
92123 $1,306
92111 $1,307
92126 $1,306
92115 $1,301
92108 $1,276
92102 $1,278
92139 $1,275
92154 $1,278
92114 $1,274
92105 $1,274
92113 $1,262

 

San Diego, 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 Diego, CA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,419
$1000 Deductible $1,269
$1500 Deductible $1,197
$2500 Deductible $1,080
$5000 Deductible $913

 

 


Top Home Insurance Agents Near San Diego, CA

Home Insurance Company Near San Diego, CA Homeowners Insurance Agency Near San Diego, CA Address
State Farm Diana Tracy 1295 Encinitas Blvd, Encinitas, CA, 92024-2843
Allstate Gene Parker 535 Broadway Ste 207, El Cajon, CA, 92021
Farmers Glenn Domingo Csd Csp Lutcf 3520 College Blvd Ste 105, Oceanside, CA, 92056
Liberty Mutual Jeffrey Dorfman 1900 Wright Place Suite 120, Carlsbad, CA, 92008
State Farm Kristie Powell 1785 E Main St, El Cajon, CA, 92021-5219

San Diego, CA Home Insurance Agents for Top Companies

 

San Diego, 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
La Mesa city, California $78 $104 $156
Santee city, California $78 $103 $155
Lemon Grove city, California $77 $102 $153

 


San Diego, 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 Diego, CA2.1%11.4%
La Mesa2.4%12.32%
Santee2.28%10.57%
Lemon Grove2.52%15.12%

San Diego Renters Insurance as a Percentage of Rent

San Diego Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 6,199 1.0% $781
$300 to $499 8,664 2.0% $1231
$500 to $749 20,711 5.0% $1906
$750 to $999 67,815 18.0% $2656
$1,000 to $1,499 129,327 35.0% $3781
$1,500 or more 133,779 36.0% $5431

Cost Of Homeowners Insurance By Street Near San Diego, CA

Streets in San Diego Area Homeowners Insurance Cost
Johnson Dr, Olive Dr, Via Morella, Henson St, Nolina Way, Lakeview Ct, Lake Dora Ave, Pastoral Rd, Corte Helena Ave, Ardilla Pl$699
Alexia Pl, Thornwood St, Baylee Ln, Ridgeview Ct, Max Ave, Hondo St, Michaela Ct, Illion St, Camomile Way, San Tomas Ct$656
Zed St, Explorer Rd, Stargaze Ave, Vecino Ct, Dale Ave, Stanwell St, Puerto de Destino, Randlett Dr, Garden Way, Celestine Ave$664
Brumby Way, Vallery Ct, Dublin Dr, Gay Rio Dr, Cmt Zaragosa, Laguna Ave, Ridgewood Dr, Toscano Ct, Chelsea Park Cir, Sea World Dr$613
Morenci St, New Jersey St, E Rienstra St, Vancouver Ave, Cable St, Palm Ln, Scripps Trl, Cam de Las Palmas, Yah Way, Pirotte Dr$637
Hal St, Mount Tami Dr, Torrey Hill Ln, Lake Alturas Ave, Briar Glen, Rudy Rd, Alvarado Ct, Grain Ln, Foxhound Way, Cmt Volar$634
Walbollen St, Loyola Ct, Armour St, Clearbrook Dr, Via Frontera, Tuna Ln, Pacific Heights Blvd, Shaula Way, Southview Cir, Cauby St$668
Georgetown Pl, Cmt Beso, Haydn Dr, Simple Melody Ln, Roslyn Ln, Clear Valley Rd, Fennell Ct, Aster Ave, Mays Hollow Ln, Tern Dr$732
Windbreak Ct, Oak Pl, E I St, Ingamac, Sunview Dr, Lonny Ln, Vis San Rufo, Edgemere Dr, Little Rock Rd, Benavente Way$623
Kurdson Way, Copley Park Pl, East Dr, Healy St, Sunglow Dr, Wavecrest Ct, Edilee Dr, Passiflora Ave, Lomker Ct, Limerick Way$621

San Diego, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Diego$95 to $97
La Mesa$94
Santee$93
Lemon Grove$92

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

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
200000500NewCalifornia Casualty401
250000500NewGeneral Ins357
250000500NewQBE (Balboa)585
300000500NewStillwater Ins Co542
4000001000NewFarmers (Fire Ins)989
4000001000NewOregon Mutual547
4000001000NewStillwater Ins Co599
4000001000NewUSAA632
2500005001-3 YearsAmerican Modern827
40000010001-3 YearsAmerican Security786
50000010001-3 YearsAIG Prop Cas1333
50000010001-3 YearsCalifornia Capital832
1500002504-6 YearsStillwater Prop & Cas Co476
1500005004-6 YearsCSE Safeguard486
1500005004-6 YearsMetropolitan Direct389
2000005004-6 YearsBankers Standard1826
50000010004-6 YearsCSE Safeguard1121
75000025004-6 YearsPacific Specialty1314
1500002507-15 YearsUnigard Group467
2000005007-15 YearsCentury National580
2000005007-15 YearsOregon Mutual601

 


San Diego, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$1,700
Yearly San Diego Homeowner Insurance Premium Example $1,500$1,300
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,700$12,100
Net Savings to San Diego Home Owner from High Deductible Plan $600

 


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

Scenario San Diego, CA Home Replacement Value MORE than Home Value San Diego, CA Home Replacement Value LESS than Home Value
Replacement Value $588,500 $442,500
Insurance Premium based on Replacement Value $1,775 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $60,500 Risk Exposure from Under Insuring Coverage is $85,500
Premium Impact Insurance cheaper by $275/year Insurance costlier by $175/year

 


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

Insurance Company Chubb Group of InsuranceTravelersLiberty Mutual
Monthly Premium 9182143
Year Built 199019702010
Home Details 3 Beds, 2 Baths2 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $400000-$500000$250000-$300000$500000-$600000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible