San Bernardino, CA Homeowners Insurance

San Bernardino is located in the Inland Empire region. The city is rich in culture and history, with an abundance of natural attractions that invite thousands of visitors each year. You will see palm trees and mountains giving you a tropical feel anywhere you look around in the city. 

San Bernardino is the second-largest city in the Inland Empire region, and it offers forest, desert, and ocean environments all in one place. Along with the amazing weather, the city has unique roadside attractions, such as the Original McDonald’s Site turned into a museum, San Manuel Stadium, and the California Theatre of the Performing Arts. If you want to see live performances, you can visit the National Orange Show Event Center at night. The Glen Helen Regional Park is the perfect spot for family picnics or to take a stroll around the city. 

As of 2021, the city has a total population of 216,089 and 59,295 housing units, with a homeownership rate of 60.5%. The median value of a home in San Bernardino is $266,599. Whether you are currently living in the city or are planning to buy a house, it is always a good idea to purchase a San Bernardino homeowners insurance policy. A standard homeowners insurance policy not only offers peace of mind but also protects your home from any unforeseen financial setbacks. Although it is not legally required to purchase homeowners insurance, it’s wise to get one anyway. 

If you are looking to buy homeowners insurance in San Bernardino, try our Home Insurance Quote Comparison Tool and get free homeowners insurance quotes from top-rated insurance companies. 

Average Homeowners Insurance Cost in San Bernardino 

Your San Bernardino homeowners insurance cost depends on various factors, including the value, location, and type of construction of your property. When you are looking for homeowners insurance, you need to compare rates from the best-rated companies in your area to ensure you get the best rates. 

In San Bernardino, the average homeowner insurance rate is $740, which is significantly lower than the national and state average.

San Bernardino Homeowners Insurance Rates Compared to State and National Averages

San Bernardino Average Home Insurance Cost (annual)California AverageUnited States Average

San Bernardino Homeowners Insurance Premiums by Company

The company you hire influences your homeowners insurance price in San Bernardino, which is why homeowners’ insurance rates fluctuate significantly between companies.  

Tokio Marine America sells the most affordable homeowners insurance premium in San Bernardino, valued at $301. Have a look at the following table below and see the homeowners insurance rates offered by different insurance providers.

San Bernardino Homeowners Insurance Rates by Companies

CompanyAverage Annual Premium Rate
Tokio Marine America$301
AmTrust NGH$865

San Bernardino Homeowners Insurance Rates by Coverage Amount 

When you buy a homeowners insurance policy, you will be asked to choose a dwelling coverage limit used to pay for the replacement or repair cost of your property in case of a disaster. Generally, if your dwelling coverage selected level is high, your homeowners insurance will cost more.

Here’s how different coverage levels affect your annual homeowners insurance cost in San Bernardino:

Homeowners Insurance Rates in San Bernardino by Coverage Limits

Dwelling Coverage AmountAnnual Home Insurance Cost
$750,000 to $1000,000$1,660

San Bernardino Homeowners Insurance Rates by ZIP Codes

The location of your property also determines how much your insurer charges on your home insurance. The homeowners insurance costs are based on the risks associated with each ZIP code; hence the charges vary depending on the locality. 

Take a look at the table below, as we have listed the homeowners insurance rates in San Bernardino based on different ZIP codes. 

Cost of Homeowners Insurance in San Bernardino by ZIP Codes

NeighborhoodZIP CodeAverage annual homeowners insurance rate
Pennsylvania St92411$836
W Edgehill Rd92405$899
N Mountain View Ave92401$976
Portola St92407$995
Baseline St92410$1,005

Popular Home Insurance Deductibles in San Bernardino 

Homeowners must decide on setting a deductible limit. A deductible is the dollar amount that an insured homeowner is responsible for paying before an insurance company covers a claim. The deductible limit that you set impacts the cost of your premium. A high deductible can help you to reduce the cost of your homeowners insurance premium. 

The following table shows how San Bernardino homeowners insurance rates fluctuate based on different deductible amounts.

Homeowners Insurance Cost in San Bernardino based on Deductible

Deductible LevelAverage Annual Homeowners Insurance Rate

Homeowners Insurance Coverages Available in San Bernardino

A standard homeowners insurance policy in San Bernardino provides the following coverages:

  • Dwelling Coverage – Provides coverage for any damage to the physical structure of your home. 
  • Attached Structures Coverage – Protects the monetary loss for any structure attached to your home, such as a garage or shed. 
  • Personal Property Coverage – Provides coverage to your home’s content, including clothes, furniture, appliances or equipment, and jewelry. 
  • Personal Liability Coverage – Provides coverage if someone gets injured on your property or if a resident of your home caused the injury.  
  • Medical Expenses Coverage – Covers the medical expenses if someone gets injured at your property. 
  • Additional Living Expense – Covers additional living expenses that might incur while living away from your home during an insurance claim. 

Best Home Insurance Companies in San Bernardino 

When shopping for homeowners insurance firms, it is essential to consider the pricing. However, the cost of your San Bernardino homeowners insurance premium is not the only thing that you need to consider. You must check the company’s financial strength as that determines the capability of paying up claims. 

To make your research easier, we have listed the best San Bernardino homeowners companies based on J.D. Power Rankings, AM Best Ratings, and BBB Ratings.

Best Cheap Homeowners Insurance Company in San Bernardino

CompanyJ.D. Power RankingA.M. Best RatingBBB rating
Erie 5 out of 5 starsA+ (Superior)A+
GEICO5 out of 5 starsA++ (Superior)A+
Nationwide 3 out of 5 starsA+ (Superior)A+
Allstate3 out of 5 starsA+ (Superior)A+
State Farm3 out of 5 starsA++ (Superior)A

Top Homeowners Insurance Agents in San Bernardino

Homeowners Insurance Agency Near San BernardinoAddress
A T Walters Insurance242 E Airport Dr # 105, San Bernardino, CA 92408, United States
Sublime Insurance Services Inc.1264 S Waterman Ave #13, San Bernardino, CA 92408, United States
Farmers Insurance 1364 Cam Real Ste 150b, San Bernardino, CA 92408, United States
Benco Insurance Services1389 N D St, San Bernardino, CA 92405, United States
Freeway Insurance739 W Highland Ave, San Bernardino, CA 92405, United States
L H Herrera Insurance & Income Tax412 W Highland Ave, San Bernardino, CA 92405, United States
Acceptance Insurance420 E Hospitality Ln Ste A-4, San Bernardino, CA 92408, United

Common Causes of Home Insurance Claims in San Bernardino 

San Bernardino has a very high crime rate, which leads to theft and vandalism claims. The city is also prone to floods, earthquake damage, and wildfires. 

The National Forest is one of the most wildfires-prone areas in the United States. Although the Santa Ana River aids the beauty of the city, it also brings the risk of floods. 

San Bernardino has been experiencing earthquakes for many years. The experts are worried that a big earthquake will strike the city in the coming years. All these factors lead to homeowners insurance claims in San Bernardino. 

Money-Saving Tips for San Bernardino Homeowners Insurance

Homeowners insurance keeps your home protected, but it can be very expensive. Insurance companies offer many discounts for several factors. If your home is new, you can get a discount of up to 14%. Another way to save money is by installing alarm systems and smoke detectors at your home. 

The best way to reduce your San Bernardino homeowners insurance premium is bundling. By bundling your auto and home insurance, you can save up to 25% on your premium. 

Take a look at the table and see how bundling your home and auto insurance affects your homeowners insurance premium.

Auto & Homeowners Insurance Bundling Discounts in San Bernardino

CompanyAvg. Annual Auto Insurance Rate (With Bundle)

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San Bernardino, CA Homeowners Insurance FAQs

Insurance costs differ depending on various factors, including the company, location, coverage level, deductible limit, and other factors. You need to get quotations when shopping for housing insurance to be sure of the prices. In San Bernardino, Tokio Marine America sells the most affordable homeowners insurance premium valued at $301.

If you are having difficulty finding homeowners insurance policies and have been denied a policy by at least three insurance companies, you can contact the state department of insurance. You might be eligible to get insurance coverage through the California Fair plan. 

A majority of dwelling policies do not cover earthquake damage. However, the coverage is provided in separate earthquake policies that most insurance companies offer. You can also get premiums from the California Earth Authority for earthquake losses.

Personal property coverage protects your personal items from damages caused by any covered peril. Your personal items could be furniture, electronics, clothing, art pieces, etc. If you ever lose your personal items to theft or fire, your personal property coverage will pay to repair or replace those items. 

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