Home Insurance in San Diego, California: A Complete Guide
San Diego, known for its beaches and mild climate, is a prime destination for homeowners. Here’s an in-depth look at home insurance in San Diego.
National vs. San Diego Home Insurance Costs
The national average for home insurance is $1,400 per year, while San Diego homeowners pay an average of $1,400 per year, due to relatively low risks of extreme weather.
Home Insurance Rates by Home Age in San Diego
| Home Age | Average Annual Premium |
|---|---|
| 0-10 years | $1,350 |
| 10-20 years | $1,400 |
| 20-30 years | $1,450 |
| 30+ years | $1,500 |
Home Insurance Rates by Credit Tier in San Diego
- Excellent Credit (750+): $1,300/year
- Good Credit (700-749): $1,400/year
- Fair Credit (650-699): $1,500/year
- Poor Credit (Below 650): $1,700/year
Cheapest Home Insurance Providers in San Diego
- State Farm: $1,350/year
- Allstate: $1,380/year
- Farmers Insurance: $1,400/year
- Liberty Mutual: $1,420/year
- Progressive: $1,440/year
Home Insurance Rates by Deductible in San Diego
- $500 Deductible: $1,500/year
- $1,000 Deductible: $1,400/year
- $2,000 Deductible: $1,300/year
- $5,000 Deductible: $1,200/year
Types of Homeowners Insurance in San Diego
- HO-3 (Special Form): Offers broad protection for homes and personal property.
- HO-4 (Renters Insurance): Covers renters’ belongings and liability.
- HO-6 (Condo Insurance): Provides protection for condominium owners.
- HO-8 (Older Home Insurance): Ideal for historic or older homes.
- Earthquake Insurance: Recommended but not as critical as in Los Angeles.
- Flood Insurance: Consider if you live in flood-prone areas.
Comparing San Diego to Other California Cities
Fresno: Homeowners in Fresno enjoy lower premiums at $1,300/year.
Los Angeles: Home insurance in Los Angeles is more expensive at $1,600/year, partly due to increased earthquake and wildfire risks. Learn more about home insurance rates in Los Angeles.
San Francisco: Higher costs in San Francisco, averaging $1,650/year, largely due to the earthquake-prone region.
- About the Author
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Autumn Cafiero Giusti is a licensed life and health insurance broker and award-winning journalist with more than 20 years of experience. She writes extensively about flood, Medicare, home, and life insurance for publications like U.S. News and CBS News.
