Best homeowners insurance in San Diego

Your guide to the best homeowners insurance companies in San Diego, the cost of coverage by ZIP code, and special considerations for San Diego homeowners.

Homeowners insurance is important and lender-required protection for your home, your personal property, and your combined assets in the event your property is damaged or you’re sued because of an accident. If you’re one of the approximately 600,000 San Diego residents who owns a home, you’ll want to make sure you have a good homeowners insurance policy and that you’re insured with a reputable company.

San Diego may have near-perfect weather, but the geographical makeup of the area puts homes at a heightened risk of expensive structural damage. Wildfires, earthquakes, landslides, and flooding are all common disasters that impact homes in Greater San Diego. Earthquakes, landslides and flooding aren’t covered by homeowners insurance, so be sure to check with your insurance company to see if they offer endorsements or additional coverage for those hazards. If they don’t, earthquake insurance is available through the California Earthquake Authority or surplus carriers, and flood insurance is available through the National Flood Insurance Program.

Keep reading for our guide on homeowners insurance in San Diego, or check out our complete guide on homeowners insurance in California.

The best homeowners insurance companies in San Diego

When comparing policies, pay special attention to companies’ financial strength, the depth of coverage for standard policies, customer service ratings with J.D. Power and Consumer Reports, and the number of discounts offered.

Of the insurers offered by Policygenius, we determined the most affordable homeowners insurance company in San Diego was Metlife. MetLife quoted an average annual premium of around $1,300. Hippo had the highest rates, with an average annual premium of $2,100.

Insurance companyAverage annual premium

Methodology: Average annual premium for each insurance company was calculated using Policygenius quoting data.

San Diego homeowners insurance prices by ZIP code

When determining your homeowners insurance premium, companies factor in your coverage amounts, the makeup, build and age of your home, your credit score, and where your home is located.

Among the areas where users submitted quotes with Policygenius, the best deal on coverage was in the 92116 ZIP code, with a $650 average annual premium. The highest quoted rates were for homes in the 92122 ZIP code with a $2,100 average annual premium.

ZIP codeAverage annual premium

Methodology: Average annual premium for each ZIP code was calculated using Policygenius quoting data.

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San Diego homeowners insurance rates by coverage amount

Your coverage amounts are directly impacted by how much coverage you have. Your home’s insured value or dwelling coverage amount should be equal to the rebuild cost of the home.

Here is the average rate for three different coverage levels for a home in San Diego.

Coverage amountAverage annual premium

Methodology: Average annual premium for each ZIP code was calculated using Policygenius quoting data.

Special considerations for San Diego residents

Natural disasters

The Greater San Diego region is no stranger to the occasional tremor and looming threat of “The Big One”, and homes are accordingly retrofitted and constructed to withstand the occasional shake and rattle. But perhaps the biggest threat of late are drought-caused wildfires and flash flooding in low-lying regions.

If your home is in an area at high risk of wildfires (check here to see if it is), consider enhancing your dwelling protection with an extended or guaranteed replacement cost endorsement. It raises your dwelling coverage limits in the event that a fire or other covered peril wipes out your home and its rebuild cost skyrockets because of increased demand for construction materials and labor.

If your home is in an area at risk of flooding, look into acquiring flood insurance. Flood insurance is provided through the federal government’s National Flood Insurance Program and insurance carriers that offer their own private flood coverage.

Property crime

In addition to protecting your home against bad weather and natural disasters, homeowners insurance also covers you from human-induced loss like theft and arson.

San Diego actually has one of the lowest property crime rates among major cities in the country, averaging just under 2,000 reported offenses per 100,000 residents annually—less than the national average.

When setting up your policy, pay close attention to the portion of your coverage that reimburses you for damage or theft of personal belongings. Certain items—like jewelry, furs, art, and instruments—are only covered up to a certain limit for theft losses and may need additional coverage depending on their value.

Homeowners insurance resources for San Diego residents