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Getting Home Insurance in San Diego

Home insurance in San Diego helps protect homeowners in case of accidents that damage their property or other people. It doesn’t cover everything — floods and earthquakes are two perils notably absent from coverage — but it will does cover damage from perils including windstorm or hail, explosion, riot, smoke, vandalism, theft, falling object, and fire. This last one is especially relevant to homes in San Diego, which, like other cities in Southern California, is prone to wildfires.

With homeowners insurance San Diego residents also have liability coverage. That means if someone is injured on your property, regardless of who is at fault, your policy will help cover any ensuing legal or medical bills.

Residents of California pay some of the higher insurance premiums in the country. According to the Insurance Information Institute, the average premium in California is $922, compared to the U.S. average of $800. That ranks the state 13th for the highest premiums in the nation.

Factors of Home Insurance Rates in San Diego

Homeowner’s insurance rates in San Diego vary from household to household, as there are many factors insurers use to determine your premium. Some of those factors include the age of the home, its construction, local fire protection, and location, according to the California Department of Insurance. Generally, the older the home is, the more expensive it likely is to be insured. Those built from wood frames may be more expensive to insure than ones built from brick. If you are far from any fire protection, such as a fire department and fire hydrants, your premiums may also be higher than those homes in closer proximity. As far as location goes, if your area has high rates of burglary, theft, or vandalism, that increased risk could mean higher insurance premiums. For an idea of crime in San Diego, please refer to the following chart:

  Robbery Burglary Larceny-theft
2010 1,636 6,387 17,977
2009 1,905 6,693 18,057
2008 2,019 7,743 21,945

Another factor that may be considered to determine your premiums in San Diego is the cost to replace your home — the higher it is to rebuild in the event your home is destroyed, the more expensive your premium will be. Likewise, you will naturally pay more if you increase the scope of your insurance coverage. San Diego homeowners may be able to lower their premiums by paying a higher deductible, or if they have a good credit report. Another thing to keep in mind is that rates will vary from insurer to insurer. Under California law, each insurance company calculates its own rates, and since each company’s loss experience differs, some rates will be higher or lower than others.

Home Insurance in California

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