Protect your home with top-rated service.
When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Rest easy knowing your coverage protects what matters most.
for the actual structure of your home, inside and out.
for things like your detached garage or shed.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
From small claims to disasters, we're here to help you recover quickly.
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
Our licensed insurance experts are available to help via email, phone, or live chat.
We help Californians find coverage across the Golden State, including in these major cities.
The average annual home insurance premium in San Diego is $1,805 according to the latest data available from the Consumer Federation of America. This is only slightly higher than California’s statewide average of $1,724 and reflects the city’s moderate coastal risk, wildfire zones in some neighborhoods, and high construction values.
To find out how much home insurance in San Diego will cost you, get a quote. Home insurance quotes offer highly personalized rates that best reflect your coverage costs based on your property, coverage needs, and policyholder profile.
Home insurance rates in San Diego depend on a mix of location, policyholder, and property details, including:
Proximity to wildfire-prone canyons or brush-adjacent zones
Roofing material and slope, especially in fire zones
Age and safety of electrical and plumbing systems
Accessibility of local fire departments and hydrants
Wildfire response zone classification by the California Department of Insurance
The home’s and area’s history of prior claims
Policyholders claim history
Dwelling coverage. Should reflect full rebuild costs, accounting for local materials and labor.
Other structures coverage. Usually 10% of the dwelling limit, increased as needed for external structures.
Personal property coverage. Typically 50–70% of dwelling coverage. A digital inventory helps tailor this amount.
Liability insurance. Set limits that would cover legal or injury-related costs involving your home, especially if you have significant assets.
Medical payments coverage. Usually $1,000 to $5,000 for minor, no-fault injuries sustained on your property.
Loss of use coverage. Usually set to 20% of your dwelling coverage limit, this pays for additional living expenses, like meals, hotel stays, and laundry services, if your home is uninhabitable following a loss.
Flood damage
Earthquakes and ground movement
Damage from pests
Most instances of mold and rot
Repairs or replacement of aging components, materials, or systems due to wear and tear
Ordinance or law coverage for homes in historic or regulated districts
Water backup and sump overflow protection
Earthquake insurance
Extended replacement cost coverage
California law does not require homeowners to carry insurance, but most mortgage lenders will require you to have an active policy before finalizing your mortgage and for the duration of the loan term. Regardless of your loan status, home insurance is essential protection against the financial fallout of fire, weather, or liability claims.
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