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Best San Bernardino Homeowners Insurance Quotes (2025)

Farmers, Chubb, and USAA offer the best homeowners insurance policies in San Bernardino.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer

  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

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Homeowners in San Bernardino pay an annual average of $2,161 for homeowners insurance with $300,000 in dwelling coverage and a $1,000 deductible. This is just slightly higher than the California annual average of $1,965.

San Bernardino sits right on the San Andreas Fault, and wildfires threaten nearby foothills.[1] [2] This, combined with California’s ongoing insurance crisis, means comparing home insurance prices to find the best home insurance might take more shopping around than it used to.

Quick Facts

  • San Bernardino homeowners often need separate earthquake and flood insurance policies to protect their homes.

  • The Safer from Wildfires program can help lower premiums.[3]

  • Insurance covers costs only up to your policy limits — anything more comes out of pocket.

Best home insurance companies in San Bernardino

Finding the right home insurance in San Bernardino is like hunting for good tacos on Highland Avenue — there are plenty of options, but you want the one that truly understands what locals need. With different liability limits, coverage options, policy restrictions, and bundling deals, your ideal home insurance type comes down to what matters most to you. [4]

Best company for wildfire insurance: Farmers

wildfire insuranceFarmers logoFarmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
609
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$86/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$135/mo

Farmers stands out as the best company for wildfire insurance. While some major insurers have exited California’s high-risk market, Farmers remains. It offers extended replacement cost coverage and allows you to buy coverage to help pay the extra cost of meeting new building codes. It can even help with mortgage payments for up to three months while you rebuild.

Pros

  • Discounts for wildfire mitigation and more

  • User-friendly app for policy management

  • Extra coverage to meet current building codes

Cons

  • Policy features may not all be available to California homeowners

  • Below-average J.D. Power customer satisfaction ratings

  • Below-average J.D. Power property claims satisfaction ratings

Best company for high-value homes: Chubb

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$161/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$235/mo

Chubb’s extended replacement cost coverage makes it an ideal choice for homeowners with high-value properties in San Bernardino. It isn’t the cheapest home insurance company, but it ranked highest for customer satisfaction in the J.D. Power 2024 U.S. Home Insurance Study. Plus, Chubb replaces your personal property without depreciation if you have a covered loss.

Pros

  • Optional coverage for art, jewelry, and collections

  • Wildfire defense services included with top-tier policy

  • Multiple available discounts

Cons

  • No online quotes available

  • Limited local agents in San Bernardino area

  • Fewer customizable policy options

Best company for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$123/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$186/mo

USAA home insurance coverage is hard to beat if you’re a military member in San Bernardino. You’ll experience some of the best customer service and get automatic replacement cost coverage for your things. If you live in an area at risk for wildfires, USAA’s Wildfire Response Program is included with your homeowners policy and comes at no additional cost.

Pros

  • No depreciation when replacing items

  • Special coverage for active-duty military members

  • Exclusive discounts on travel and fun

Cons

  • Coverage limited to active-duty military members, veterans, and family members

  • Few policy options to customize coverage

  • Limited customer service hours

  • Our editorial team analyzed regional and national home insurance companies that sell policies in San Bernardino to assess which offer the best rates, policy options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance in San Bernardino

San Bernardino homeowners may find that Allstate offers low average rates. But more affordable options may exist depending on how much coverage you need and whether you qualify for discounts. The table below compares average annual premiums for $300,000 in dwelling coverage with a $1,000 deductible.

Insurance Company
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Average Annual Premium
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Allstate$867
Pacific Speciality$1,058
CSE$1,079
Armed Forces Insurance Exchange$1,093
Cincinnati Insurance$1,387
Foremost$1,398

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How much is home insurance in San Bernardino?

The average cost of home insurance in San Bernardino is $2,161 per year for $300,000 in dwelling coverage with a $1,000 deductible. But that number jumps around quite a bit — insurers use several factors to calculate your rate. 

For example, your home’s age, its construction materials, whether your neighborhood is prone to wildfires or flooding, and even local crime rates all play a role in your insurance premium.[5]

Cost of home insurance by dwelling coverage in California

Your home’s structure is just one part of what home insurance covers, but your coverage amount directly affects your homeowners insurance cost. For example, a home insurance policy that caps out at $300,000 for home repairs and rebuilding naturally costs less than one for $500,000.

The rates below reflect California home insurance policies with a $1,000 deductible.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$1,024
$200,000$1,486
$300,000$1,965
$400,000$2,424
$500,000$2,855

Cost of homeowners insurance by deductible amount

Your homeowners insurance deductible is what you pay out of pocket before your home insurance company covers repair or replacement costs.

In San Bernardino, choosing a $1,000 deductible instead of a $500 deductible reduces your home insurance premium, but a higher deductible means you’ll pay more out of pocket. The rates below reflect a policy with $300,000 in dwelling coverage.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$2,252
$1,000$2,161

Average cost of home insurance in other cities in California

In California, different cities can have widely different home insurance costs. Insurance companies consider risk factors like your area’s earthquake history, wildfire patterns, home value changes, and even how often residents file theft or weather-damage claims.

The table below shows the average annual premium in several California cities for $300,000 in dwelling coverage with a $1,000 deductible.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
San Diego$1,656
Sacramento$1,662
Anaheim$1,923
San Francisco$1,946
Los Angeles$2,525

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What to know about owning a home in San Bernardino

Owning a home in San Bernardino has perks, like mountain views and year-round sunshine. But living in Southern California also means planning for some climate risks. San Bernardino County has roughly four times as many natural disasters as the national average.[6]

  • illustration card https://a.storyblok.com/f/162273/150x150/3f71d2cfdb/firefighter-96x96-green_015-fire.svg

    Wildfires

    Homeowners in fire risk zones face wildfire threats, which most standard home insurance policies cover. Just make sure you understand your policy terms and coverage limits. While the threat of wildfires can increase your home insurance premiums, risk management strategies from the Safer from Wildfires program can help lower your costs.

  • illustration card https://a.storyblok.com/f/162273/150x150/f05c9c5796/climate-change-96x96-yellow_028-earthquake.svg

    Earthquakes

    Living in San Bernardino means you’re 725% more likely to experience an earthquake than the national average. Homeowners insurance doesn’t cover earthquake damage, but many California homeowners buy earthquake coverage through the California Earthquake Authority.

  • illustration card https://a.storyblok.com/f/162273/150x150/f4287230a5/climate-change-96x96-blue_013-flood.svg

    Flash floods

    Flash floods can come as a surprise, too, particularly in the Santa Ana River area. Since homeowners insurance doesn’t cover flood damage, you’ll need to buy a separate flood insurance policy. Although coverage is available from private insurers, it’s also sold through the National Flood Insurance Program’s insurance marketplace.

San Bernardino home insurance FAQs

Buying home insurance in San Bernardino can be challenging due to the local insurance landscape. The answers to the frequently asked questions below offer additional information.

  • The average home insurance cost in San Bernardino is about $2,161 per year for $300,000 in dwelling coverage with a $1,000 deductible. Depending on where you live, you may need separate earthquake and flood policies, which can increase your total insurance costs.

  • Allstate typically offers the most affordable coverage in San Bernardino, with average annual premiums around $867 for $300,000 in dwelling coverage with a $1,000 deductible. But no single company is the cheapest for everyone. Shopping around for coverage and comparing quotes can help you find the best deal.

  • Worsening wildfire seasons in California are driving up insurance rates. Expensive rebuilding costs and fewer insurers offering policies in San Bernardino also contribute to higher home insurance prices.

  • The 80% rule in the insurance industry means your dwelling coverage should be at least 80% of the total cost to replace your home. This includes the cost to rebuild your entire home from the ground up without deducting for depreciation.[7]

Methodology

Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.

Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:

Default Coverage Assumptions

  • Dwelling coverage: $300,000
  • Deductible: $1,000
  • Personal property limit: $25,000
  • Liability limit: $300,000

Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.

Sources

  1. Southern California Earthquake Data Center. "Earthquake Information."
  2. U.S. Department of Agriculture Forest Service. "San Bernardino National Forest Alerts and Fire Danger Status."
  3. California Department of Insurance. "Safer from Wildfires: Being Safer from Wildfires can help with your insurance."
  4. Insurance Information Institute. "Homeowners Insurance Basics."
  5. California Department of Insurance. "Residential Insurance: Homeowners and Renters."
  6. University of Minnesota Department of Geography, Environment, and Society. "Disaster Preparedness."
  7. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.

Learn More
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Becky Helzer
Edited byBecky HelzerEditor
Becky Helzer
Becky HelzerEditor

Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.

A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.

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