How Can I Make My San Diego, CA Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in San Diego, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate San Diego, CA Home Insurance Coverage Levels | Back to Top
| San Diego, CA - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Boston Ct, W Plaza Blvd, Pacific Heights Blvd, Scenic Terrace Pl, Ponce de Leon Dr, Via Madrina St, Arcadia Pl, Antigua Ct, Altamont Rd, Wyandotte Ave | $261,000 | $220,000 | $200,000-$250,000 | $271,000 | $240,000 | $250,000-$300,000 |
| Cll del Alcazar, Bravo Ct, Dalehurst Rd, Mendonca Dr, Flanders Ct, Las Canas Way, Industrial Blvd, Crane Pl, Sharlene Ln, Verano Pl | $74,000 | $60,000 | $50,000-$75,000 | $95,000 | $80,000 | $75,000-$100,000 |
| Sandra Ln, Juneberry Ct, Travis Ct, Diane Ave, Condon Dr, Fuji St, Yerba Verde Dr, Montgomery Ave, Kensley Way, Cmt Ronaldo | $242,500 | $200,000 | $200,000-$250,000 | $405,000 | $350,000 | $300,000-$350,000 |
| S 61st St, Chase Ln, W Maple St, Nolan Ave, Kensington Dr, Bing St, Langmuir St, Boulder Ridge Ct, Marlowe Dr, Fulwood Ln | $229,500 | $190,000 | $200,000-$250,000 | $365,000 | $320,000 | $350,000-$400,000 |
| Timberlane Way, Cerro Largo Dr, Mount Acadia Blvd, Cmt Alcala, Keck Ct, Stoyer Dr, Cll Chanate, Pointe Pkwy, Cmt Amerigo, East Ln | $230,500 | $210,000 | $200,000-$250,000 | $334,000 | $310,000 | $300,000-$350,000 |
| Dunbar Ln, Lloyd Pl, Scenic Pl, Golden Cir, Buttetop Pl, Ruffin Ct, Red Deer St, Hyde Park Dr, Boulevard Dr, Leghorn Ave | $184,000 | $170,000 | $200,000-$250,000 | $221,000 | $210,000 | $200,000-$250,000 |
| Peters Stone Ct, Rancho Reposo, Montego Dr, Hollingsworth Way, Ladera St, Canon Perdido St, Oconnor Ave, Bolinas Bay Ct, Pershing Pl, Valley Springs Rd | $414,500 | $340,000 | $350,000-$400,000 | $488,500 | $460,000 | $500,000-$600,000 |
| Verde Ct, Gateway Park Dr, Tremont St, Morose St, Eton Greens Ct, Placerita St, Escadera Dr, Stage Coach Rd, Mount Ainsworth Ct, Otis St | $240,500 | $220,000 | $200,000-$250,000 | $223,000 | $180,000 | $200,000-$250,000 |
| Cll Ambiente, Kirtright St, Selma Ct, Loma del Sur, Kestrel Way, Bart Ln, Lyric Ln, Harmony Ln, Cll Privada, Cesar E Chavez Pkwy | $176,500 | $160,000 | $150,000-$175,000 | $447,500 | $370,000 | $400,000-$500,000 |
| Monterey Ridge Way, Cmt Cruzada, Van Houten Ave, Old Cobble Ct, Orville St, Via Santillana, Jennings St, Mariposa Pl, Hidden Springs Dr, Mobley St | $274,000 | $240,000 | $300,000-$350,000 | $217,000 | $200,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in San Diego, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$229 | $1,202 |
| Superior Protection Discount | -$143 | $1,288 |
| Fire & Security Discount | -$157 | $1,274 |
| Hail Resistant Roof Discount | -$43 | $1,388 |
| Newly Constructed Home Discount | -$343 | $1,088 |
Choose your San Diego, CA Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,537 |
| Hail Damage | $4,948 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $16,218 |
Identify Top Home Insurance Agents near San Diego, CA | Back to Top
| Home Insurance Company San Diego, CA | Homeowners Insurance Agency San Diego, CA | Address | Popularity Score | Distance from San Diego (miles) |
|---|---|---|---|---|
| Travelers | Right Time Insurance Services | 1761 Hotel Circle S Ste 119, San Diego, CA, 92108 | 6.2 | |
| State Farm | Cindy Gonzalez | 5482 Complex St Ste 114, San Diego, CA, 92123-1125 | 2.1 | |
| Travelers | 5th Avenue Insurance Services | 3945 Camino Del Rio S San Diego, San Diego, CA, 92108 | 4.3 | |
| Travelers | Brubaker & Associates Inc | 2585 Pio Pico Dr Ste 100, Carlsbad, CA, 92008 | 27.8 | |
| Allstate | Lisa Frontis Bentley | 7510 Clrmt Msa Blvd Ste 106, San Diego, CA, 92111 | 3.4 | |
| State Farm | John Crawford | 7061 Clairemont Mesa Blvd, San Diego, CA, 92111 | 3.8 | |
| Allstate | Bobby Boese | 7710 Balboa Ave Ste 121, San Diego, CA, 92111 | 3.3 | |
| State Farm | Neal Farinholt | 9939 Hibert St Ste 203, San Diego, CA, 92131-1031 | 6.4 | |
| Allstate | David James | 8333 Clairemont Mesa Blvd Ste 110, San Diego, CA, 92111 | 2.7 | |
| Liberty Mutual Independent | Bb&T-John Burnham Ins Services | 750 B St Ste 2400, San Diego, CA, 92101 | 7.9 |
Compare Rates for San Diego, CA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| San Diego County, CA | $484,900 | $1,384 | $1,020 | $1,880 | $860 |
| San Diego, CA | $492,500 | $1,431 | $1,060 | $1,950 | $890 |
| Poway, CA | $620,500 | $1,368 | $1,010 | $1,860 | $850 |
| Rancho Santa Fe, CA | $2,000,001 | $825 | $610 | $1,120 | $510 |
| Encinitas, CA | $862,300 | $1,550 | $1,150 | $2,110 | $960 |
| Alpine, CA | $531,500 | $989 | $730 | $1,350 | $620 |
| San Marcos, CA | $455,700 | $1,222 | $900 | $1,660 | $760 |
| Vista, CA | $423,500 | $1,109 | $820 | $1,510 | $690 |
| Bonsall, CA | $635,700 | $1,822 | $1,350 | $2,480 | $1,130 |
| Pine Valley, CA | $387,800 | $1,045 | $770 | $1,420 | $650 |
| Fallbrook, CA | $503,700 | $1,362 | $1,010 | $1,850 | $840 |
| Murrieta, CA | $383,700 | $990 | $730 | $1,350 | $620 |
Research Home Insurance Companies Reviews in San Diego, CA Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: February 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 28, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: September 19, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Date: September 19, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 15, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: September 13, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: September 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 12, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Date: September 09, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: September 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 26, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: August 25, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 16, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: August 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 03, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 02, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: August 01, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: July 31, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: July 27, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: June 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: May 14, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: May 13, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: December 24, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: November 19, 2017 Age: 40 to 49 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Progressive Home Insurance Reviews
Date: October 20, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Date: October 07, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Date: March 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: March 27, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Date: September 27, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Date: September 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: September 21, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: September 12, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: August 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 15, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: August 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: August 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 09, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: July 30, 2018 Age: Above 60 Gender: Female Marital Status: Married
Date: March 19, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: January 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Date: November 18, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
State Farm Home Insurance Reviews
Date: July 13, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: April 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Date: April 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Date: February 10, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Date: December 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: December 07, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: December 03, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: October 23, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: October 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 14, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 14, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: August 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: August 03, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: July 30, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: July 30, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Date: June 19, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: November 18, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Farmer's Insurance Home Insurance Reviews
Date: October 03, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: September 15, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: September 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: August 27, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Date: August 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: May 27, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: May 14, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: January 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: January 15, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 40 to 49 Gender: Male Marital Status: Married
MetLife Home Insurance Reviews
Date: September 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Date: September 21, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: September 13, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Date: September 04, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: August 23, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: August 22, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: July 30, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: May 14, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Amica Mutual Insurance Home Insurance Reviews
Date: November 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: September 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: June 27, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Date: June 15, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Date: May 03, 2018 Age: Above 60 Gender: Male Marital Status: Married
American Strategic Insurance Home Insurance Reviews
Date: August 27, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried
Date: August 13, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Date: July 29, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Date: May 27, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Date: May 12, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
GEICO Home Insurance Reviews
Date: September 13, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Date: February 08, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Date: November 23, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
AAA Home Insurance Reviews
Date: December 29, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Date: November 27, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Mercury Home Insurance Reviews
Date: December 31, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Safeco Insurance Home Insurance Reviews
Date: February 04, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Reynolds Insurance Home Insurance Reviews
Date: November 18, 2018 Age: 30 to 39 Gender: Male Marital Status: Married