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 $. Enter your zipcode below and click “GO” to get multiple free quotes.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| San Diego, CA | 2.1% | 11.4% |
| La Mesa | 2.4% | 12.32% |
| Santee | 2.28% | 10.57% |
| Lemon Grove | 2.52% | 15.12% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Diego | $95 to $97 |
| La Mesa | $94 |
| Santee | $93 |
| Lemon Grove | $92 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 200000 | 500 | New | California Casualty | 401 |
| 250000 | 500 | New | General Ins | 357 |
| 250000 | 500 | New | QBE (Balboa) | 585 |
| 300000 | 500 | New | Stillwater Ins Co | 542 |
| 400000 | 1000 | New | Farmers (Fire Ins) | 989 |
| 400000 | 1000 | New | Oregon Mutual | 547 |
| 400000 | 1000 | New | Stillwater Ins Co | 599 |
| 400000 | 1000 | New | USAA | 632 |
| 250000 | 500 | 1-3 Years | American Modern | 827 |
| 400000 | 1000 | 1-3 Years | American Security | 786 |
| 500000 | 1000 | 1-3 Years | AIG Prop Cas | 1333 |
| 500000 | 1000 | 1-3 Years | California Capital | 832 |
| 150000 | 250 | 4-6 Years | Stillwater Prop & Cas Co | 476 |
| 150000 | 500 | 4-6 Years | CSE Safeguard | 486 |
| 150000 | 500 | 4-6 Years | Metropolitan Direct | 389 |
| 200000 | 500 | 4-6 Years | Bankers Standard | 1826 |
| 500000 | 1000 | 4-6 Years | CSE Safeguard | 1121 |
| 750000 | 2500 | 4-6 Years | Pacific Specialty | 1314 |
| 150000 | 250 | 7-15 Years | Unigard Group | 467 |
| 200000 | 500 | 7-15 Years | Century National | 580 |
| 200000 | 500 | 7-15 Years | Oregon Mutual | 601 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Chubb Group of Insurance | Travelers | Liberty Mutual |
| Monthly Premium | 91 | 82 | 143 |
| Year Built | 1990 | 1970 | 2010 |
| Home Details | 3 Beds, 2 Baths | 2 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $400000-$500000 | $250000-$300000 | $500000-$600000 |
| Deductible | $500- $1000 Deductible | $500 Deductible | $500- $1000 Deductible |