San Diego Home Insurance

Learn how to find affordable homeowners insurance in San Diego.

Finding Homeowners Insurance in San Diego, California

San Diego homeowners know better than anyone – the city is a haven rich with culture, amazing food, and history. With 70 miles of idyllic beaches, La Jolla Cove, the historic Gaslamp District, and Balboa Park, there’s a bounty of beauty to explore.

But part of living in San Diego means preparing for the unexpected. Between earthquakes and wildfires, San Diego homeowners need insurance that can keep up. Learn about California home insurance, what it covers, and how much it costs.

Los Angeles Home Insurance Costs

On average, San Diego home insurance costs $1,135 a year from Kin. That’s 21 percent cheaper than Allstate and about 3 percent cheaper than Travelers. See how our costs compare below.

Average San Diego Home Insurance Premiums by Company

Kin Allstate Travelers
$1,135 $1,377 $1,163

On average, customers save $500 when they switch to Kin. Our direct-to-consumer model and technology helps us reduce wasteful spending and pass those savings on to you.

Your home insurance costs may vary based on your exact location, your home’s age and construction, your safety features, claims history, and more. The best way to know what you’ll pay for home insurance? Get a quote. It doesn’t impact your credit, so it doesn’t hurt to look!

What San Diego Home Insurance Covers

Don’t assume every home insurance policy is equal! The type of policy can make a big difference in the coverage you have. At Kin, our homeowners insurance is an HO3 policy, a perfect balance of robust coverage and affordable prices. It offers:

  • Replacement cost dwelling coverage: This pays to repair or rebuild your home – the exterior and interior walls, roof, ceiling, cabinetry, floors, etc.
  • Other structures coverage: This helps repair or rebuild other structures on your property, like fences, sheds, detached garages, and more.
  • Personal property coverage: This pays to repair or replace all the belongings in your home, like clothes, furniture, appliances, electronics, and more.
  • Loss of use coverage: This helps pay for additional living expenses when a claim forces you to temporarily live away from home.
  • Personal liability coverage: This helps cover legal expenses if you’re sued over someone’s bodily harm or property damage.
  • Medical payments coverage: This can pay for medical bills when your guests have a small injury at your home.

You can add on more coverage (with endorsements) to customize your policy to fit your lifestyle. For example, if you have a dog, adding on some animal liability insurance may make sense for you. This helps pay for injuries or damage your pup causes.

Major Risks for San Diego Homeowners

San Diego has a dropping crime rate – the burglary rate is the fourth lowest in nearly 40 years. But it has plenty of other risks, like wildfires, floods, and earthquakes. Homeowners insurance covers damage from fire, theft, vandalism, and wind, but you may need to add on coverage for big risks like flooding and earthquakes.

San Diego Wildfire Coverage

Tens of thousands of homes are at risk for wildfires in San Diego. The California drought has dried up open spaces and made them tinder for even the smallest spark. Unfortunately, not all home insurance companies will cover homes with wildfire exposure.

But we do, and all our policies include wildfire insurance. This pays for damage from fire, smoke, or soot to your home, other structures, and your belongings.

San Diego Flood Insurance

With its proximity to the beach and several lakes, San Diego homes are at risk for floods. Flood insurance isn’t included in a standard homeowners insurance policy. While your policy can cover water damage from a burst pipe or appliance, only flood insurance can cover damage from storm surges and rising water.

Earthquake Coverage in San Diego

The infamous San Andreas Fault passes right through San Diego, making it a prime location for an unsettling shaker. While “The Big One” isn’t a certainty, there is certainly risk for residents and their homes. If a 6.9 magnitude earthquake hit the area, there could be $38 billion in economic losses to over 120,000 structures, according to the Los Angeles Times.

Earthquake damage isn’t covered by a basic home insurance policy, but we do work with an A-rated partner to offer this essential coverage. Ask us about earthquake insurance to learn more.

Tips for Lowering San Diego Home Insurance Costs

Though our home insurance is already affordable, we offer even more ways for San Diego homeowners to save. You can get discounts for:

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

If you haven’t had a claim in three years, you’ll also get a claims-free discount. And you can also adjust your deductibles – the higher the deductible, the lower your premium will be. Just remember: only choose a deductible you’re comfortable paying if you have a loss. Too high a deductible may keep you from filing a claim when you need to.

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