Home Insurance in San Bernardino, CA

Learn how to find affordable homeowners insurance in San Bernardino.

Affordable Homeowners Insurance in San Bernardino, California

San Bernardino homeowners enjoy the city’s low cost of living and its spectacular outdoor activities. It’s home to Seccombe Lake Park, known for its fishing and playgrounds, the mountains of Silverwood Lake, and Big Bear Lake in San Bernardino National Forest. Residents also swear by the classic car gathering along the historic Route 66.

But proximity to forests and open space comes with wildfire risks. San Bernardino homeowners need California home insurance that is ready for whatever nature brings.

San Bernardino Home Insurance Costs

San Bernardino home insurance costs $1,094 a year on average with Kin. Your costs may be much lower depending on your home’s features, like its age, construction, safety measures, and more. Your exact location also plays a big role in how much your insurance will cost.

Average San Bernardino Home Insurance Premiums by Company

Kin Allstate Travelers
$1,094 $827 $850

The only way to know what you’ll pay for coverage is to get a quote. It’s absolutely free and only takes minutes! And it doesn’t affect your credit score.

What San Bernardino Home Insurance Covers

Your homeowners insurance policy includes six key protections. These cover your basic and most common risks:

  • Replacement cost dwelling coverage: Pays to repair or rebuild your home if it’s damaged or destroyed by fire, windstorm, vandalism, theft, and much more.
  • Other structures coverage: Pays to repair or replace structures not attached to your home, like sheds, detached garages, and fences.
  • Personal property coverage: Pays to replace or repair your belongings, like furniture, clothing, electronics, and more.
  • Loss of use coverage: Covers temporary lodging and additional living expenses when a covered claim keeps you from living at home for a while.
  • Personal liability coverage: Pays for your legal defense and settlement costs when you’re sued over someone’s property damage or bodily injuries.
  • Medical payments coverage: Covers the costs of small medical bills for guests who get injured while visiting you.

You can also customize your policy with endorsements. These are easy policy add-ons, like golf cart coverage or animal liability coverage. These might not be the right fit for everyone, which is why they may not come standard.

San Bernardino’s Major Risks

As picturesque as San Bernardino is, it does have a high crime rate – about 59 crimes per one thousand residents. Your policy protects you for theft and vandalism, but you also need to prepare for natural disasters, like wildfires, floods, and earthquakes.

San Bernardino Wildfire Coverage

According to the USDA, the San Bernardino National Forest is one of the most wildfire-prone forests in the country. The mountain forest landscape’s risk extends to the lower flats, too, particularly in areas with severe drought and dry conditions. Fortunately, all Kin policies include wildfire insurance. It covers fire and smoke damage if your home is ever exposed.

San Bernardino Flood Insurance

The Santa Ana River runs through San Bernardino, bringing flood risk with it. While homeowners insurance can cover water damage from a pipe bursting in your home, it won’t cover damage from rising water and storm surges. Only flood insurance can do that.

Earthquake Coverage in San Bernardino

In March 2020, a 5.5-magnitude earthquake struck San Bernardino, a reminder that big earthquakes can and will happen here. Homeowners insurance policies don’t cover earthquake damage, but earthquake insurance does. Earthquake insurance policy covers your home, other structures, your belongings, and loss of use. Just ask us to add it on!

How to Lower San Bernardino Home Insurance Costs

Investing in safety features for your home can help lower your home insurance rates. We’ll automatically check to see if you qualify for these easy home insurance discounts:

  • Smart home safety and security devices.
  • Secure communities.
  • Electronic policies.
  • Ember-resistant venting.
  • Annual brush removal contract.
  • LEED-certified homes.
  • New homebuyers.

You can save even more if you choose a higher deductible. For example, instead of a $500 deductible, you might see how much you can save with a $1,000 deductible. Just make sure you choose an amount you could comfortably spare out of pocket when it’s time to make a claim and make repairs.

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