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.
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 Average Home Insurance Cost (annual)||California Average||United States Average|
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.
|Company||Average Annual Premium Rate|
|Tokio Marine America||$301|
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 Amount||Annual Home Insurance Cost|
|$750,000 to $1000,000||$1,660|
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.
|Neighborhood||ZIP Code||Average annual homeowners insurance rate|
|W Edgehill Rd||92405||$899|
|N Mountain View Ave||92401||$976|
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.
|Deductible Level||Average Annual Homeowners Insurance Rate|
A standard homeowners insurance policy in San Bernardino provides the following coverages:
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.
|Company||J.D. Power Ranking||A.M. Best Rating||BBB rating|
|Erie||5 out of 5 stars||A+ (Superior)||A+|
|GEICO||5 out of 5 stars||A++ (Superior)||A+|
|Nationwide||3 out of 5 stars||A+ (Superior)||A+|
|Allstate||3 out of 5 stars||A+ (Superior)||A+|
|State Farm||3 out of 5 stars||A++ (Superior)||A|
|Homeowners Insurance Agency Near San Bernardino||Address|
|A T Walters Insurance||242 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 Services||1389 N D St, San Bernardino, CA 92405, United States|
|Freeway Insurance||739 W Highland Ave, San Bernardino, CA 92405, United States|
|L H Herrera Insurance & Income Tax||412 W Highland Ave, San Bernardino, CA 92405, United States|
|Acceptance Insurance||420 E Hospitality Ln Ste A-4, San Bernardino, CA 92408, United|
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.
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.
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
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.