How much is homeowners insurance in San Diego,TX

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In San Diego, homeowners pay an average annual rate of $3,317 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $813 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in San Diego depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in San Diego, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in San Diego.

Key takeaways

In San Diego, homeowners insurance costs $3,317 annually.
State Farm offers the most affordable homeowners insurance in San Diego with an average annual premium of $3,222.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $873 higher.

How much is homeowners insurance in San Diego per month

According to our rate analysis, homeowners in San Diego pay an average of $276 per month. It’s $44 less than the state average of $320 and $67 more than the national average for home insurance across the United States.

In San Diego, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in San Diego

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $2,444 per year in San Diego, TX. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in San Diego

According to Insure.com’s rate analysis, homeowners in San Diego typically pay an average of $3,317 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $873. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in San Diego by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in San Diego. It’s average annual rate for San Diego homeowners is $3,222. Progressive ranks second and Farmers makes it to the third spot with an average annual home insurance rate of $4,323.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across San Diego and prepared a list of the cheapest home insurance providers. You can find below the San Diego home insurance companies and their average annual premium.

Home insurance company	Annual rate
State Farm	$3,222
Progressive	$3,597
Farmers	$4,323
Nationwide	$5,062
USAA*	$2,080

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in San Diego for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.