How Can I Make My San Diego County, CA Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in San Diego County, CA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your San Diego County, CA Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $157,500 $140,000 $150,000-$175,000
2 Bedroom $373,500 $330,000 $350,000-$400,000
3 Bedroom $304,000 $280,000 $250,000-$300,000
4 Bedroom $400,500 $330,000 $300,000-$350,000
5 Bedroom $772,000 $670,000 $800,000-$900,000

Estimate your Savings with Home Insurance Discounts in San Diego County, CA | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$194 $1,190
Superior Protection Discount -$125 $1,260
Fire & Security Discount -$152 $1,232
Hail Resistant Roof Discount -$42 $1,343
Newly Constructed Home Discount -$346 $1,038

Choose the Right Deductible for your San Diego County, CA Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
San Diego County $700 $1,368 $2,068 $994 $1,694 $374
San Diego County, CA $2,500 $1,368 $3,868 $994 $3,494 $374
Descanso, CA $500 $905 $1,405 $658 $1,158 $247
Granite Hills, CA $1,000 $1,730 $2,730 $1,257 $2,257 $473
Spring Valley, CA $200 $787 $987 $572 $772 $215
San Diego, CA $1,000 $1,414 $2,414 $1,027 $2,027 $386
Fairbanks Ranch, CA $100 $815 $915 $592 $692 $223
La Presa, CA $2,500 $764 $3,264 $555 $3,055 $209
Campo, CA $300 $657 $957 $477 $777 $180
Imperial Beach, CA $2,000 $872 $2,872 $634 $2,634 $238
Desert Shores, CA $2,000 $431 $2,431 $313 $2,313 $118

Identify Top Home Insurance Agents near San Diego County, CA | Back to Top

Home Insurance Company San Diego County, CA Homeowners Insurance Agency San Diego County, CA Address Popularity Score Distance from San Diego County (miles)
Travelers San Diego General Insurance Agency Inc 11415 West Bernardo Ct 101, San Diego, CA, 92127
17.9
Liberty Mutual Independent Ives Insurance Services Inc 2850 Womble Rd Ste 103, San Diego, CA, 92106
32.4
State Farm Doug Steiner 680 Fletcher Pkwy Ste 205, El Cajon, CA, 92020-2500
18.7
State Farm Kristin Francy 9888 Carmel Mountain Rd Ste A, San Diego, CA, 92129-2807
20.2
Liberty Mutual Independent Access West Insurance Services Inc. 40675 California Oaks Rd Ste A, Murrieta, CA, 92562
45.2
Farmers Steven Wilson 16516 Bernardo Center Dr, San Diego, CA, 92128
17.5
State Farm Bruce Hofbauer 12396 World Trade Dr Ste 113, San Diego, CA, 92128-3787
17.2
Farmers Douglas Dixon 12798 Rancho Penasquitos Blvd Ste F, San Diego, CA, 92129
19.9
State Farm Renee Murphy 12121 Scrps Summit Dr Ste 100, San Diego, CA, 92131-4609
19.8
Travelers Brubaker & Associates Inc 2585 Pio Pico Dr Ste 100, Carlsbad, CA, 92008
34.4

Compare Rates for San Diego County, CA Home Insurance Providers | Back to Top

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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 County, CA $484,900 $1,384 $1,020 $1,880 $860
Descanso, CA $347,300 $916 $680 $1,250 $570
Granite Hills, CA $604,600 $1,751 $1,300 $2,380 $1,080
Spring Valley, CA $407,200 $797 $590 $1,080 $490
San Diego, CA $492,500 $1,431 $1,060 $1,950 $890
Fairbanks Ranch, CA $2,000,001 $825 $610 $1,120 $510
La Presa, CA $348,900 $773 $570 $1,050 $480
Campo, CA $210,900 $665 $490 $900 $410
Imperial Beach, CA $433,400 $882 $650 $1,200 $550
Desert Shores, CA $67,700 $436 $320 $590 $270

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