5 Best San Diego Homeowners Insurance Companies (2026)
Chubb and Farmers offer some of the best homeowners insurance policies in San Diego.
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Written byCatherine Hiles
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Edited byChris Schafer
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Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
Homeowners insurance in San Diego costs $184 per month on average for a policy with $300,000 of dwelling coverage and a $1,000 deductible, according to Insurify data. The California state average is $196.
San Diego homes have a high average value and a moderate risk for earthquake and wildfire damage, which affects the cost of homeowners insurance in the area. Shopping around for quotes can help you find affordable home insurance.
Learn how to compare homeowners insurance quotes to find the best San Diego homeowners insurance for your needs.
Quick Facts
Chubb, Farmers, and Allstate are three of the best homeowners insurance companies in San Diego.
Pacific Specialty offers the cheapest homeowners insurance coverage in San Diego for a $300,000 policy with a $1,000 deductible.
San Diego homeowners may need to purchase separate earthquake insurance to protect their homes.
Best home insurance companies in San Diego
Many highly rated insurers offer home insurance in San Diego. The best home insurance company for you depends on your coverage needs.
Below are some of the top home insurance companies in San Diego to consider for your home’s coverage.
Chubb: Best for fire protection
ChubbCompare 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. | $303/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. | $468/mo |
Like much of California, San Diego has a moderate wildfire risk. Chubb Insurance offers a complimentary service, Chubb Wildfire Defense, which provides an optional personalized wildfire hazard assessment and recommendations to protect your home.
The insurer will warn you of wildfire threats and send firefighters to your home if needed. After the fire passes, Chubb will help clean up your home, reimburse you for additional living expenses if you temporarily relocate, and help you file a claim.
Pros
Standard wildfire monitoring, prevention, and mitigation services
Above-average J.D. Power customer satisfaction rating
Superior AM Best financial strength rating
Cons
Higher average premiums than some insurers
No online quotes
Fewer discounts than many competitors
Farmers: Best for earthquake coverage
earthquake coverage
Farmers
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. | $187/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. | $303/mo |
Most San Diegans live within 15 miles of a fault, making seismic activity likely.[1] Research suggests that a 6.9 magnitude earthquake on the Rose Canyon Fault could cause $38 billion in damage in San Diego.[2] Standard homeowners insurance doesn’t typically cover earthquake damage, so you’ll need the protection of a separate policy.
A Farmers insurance agent can help you add earthquake coverage to your homeowners insurance policy, whether directly through the insurer or through the California Earthquake Authority (CEA).
Pros
Earthquake coverage available through Farmers or CEA
Many discounts available
Highly rated mobile app
Cons
Below-average J.D. Power customer satisfaction rating
Higher average premiums than some insurers
Poor Trustpilot reviews
Allstate: Best for cheap rates
AllstateCompare 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. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $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. | $193/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. | $289/mo |
The cost of living in San Diego is around 46% higher than the national average, and saving money on your homeowners insurance premiums can put more cash back in your pocket for your living expenses.[3] Allstate’s homeowners insurance rates in San Diego are relatively low, and the insurer offers numerous discounts to decrease your costs further. Allstate also has an A+ (Superior) financial strength rating from AM Best, attesting to its ability to pay claims.
Pros
Low homeowners insurance rates in San Diego
Many discounts available
Superior AM Best financial strength rating
Cons
Below-average J.D. Power customer satisfaction rating
Large number of complaints with the National Association of Insurance Commissioners (NAIC)
Poor Trustpilot reviews
Amica: Best for customer service
AmicaCompare 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. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 679 |
| $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. | $122/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. | $180/mo |
Amica is the top-rated company for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study. In addition to the usual coverages (dwelling, personal property, liability, and loss of use), Amica offers extra coverage for water backup, sump pump overflow, high-value personal property, and identity fraud. You can choose between a standard policy and a dividend policy, the latter of which can return 5%–20% of your annual premium back to your wallet.
Pros
Top J.D. Power customer satisfaction rating
Offers extra protection for water backup, sump overflow, valuables, and identity fraud
Dividend policies can return a portion of premiums
Cons
Dividend plans may have higher up-front premiums
No local offices
No online quote option
USAA: Best for veterans
USAACompare 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. | $148/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. | $211/mo |
San Diego is home to more than 115,000 active-duty service members and more than 240,000 veterans — among the highest concentrations in the country.[4] USAA offers unique benefits for military members, including no-deductible coverage for uniforms and military equipment.
As an added benefit, USAA has relatively low homeowners insurance rates in San Diego compared to other insurers, so service members and veterans can save more money.
Pros
Unique benefits for military members
Above-average J.D. Power customer satisfaction rating
Low homeowners insurance rates in San Diego
Cons
Available only to military members, veterans, and their families
Fewer discounts than some competitors
Limited customer service hours
Our editorial team analyzed regional and national home insurance companies that sell policies in San Diego to assess which offer the best rates, coverage 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.
How much is home insurance in San Diego?
Home insurance in San Diego costs an average of $2,208 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible, Insurify data shows.
Your exact cost will vary depending on your chosen coverage amount, your deductible, and the risk of natural disasters in your ZIP code, such as earthquakes or wildfires. San Diego home insurance is typically lower than the California average of $2,352.
Cheapest home insurance companies in San Diego
Homeowners insurance can be expensive, but shopping around for quotes can help you find an affordable policy that meets your coverage needs. With an average rate of $81 per month for a policy with a $1,000 deductible and $300,000 in dwelling coverage, Pacific Specialty has the lowest average prices in San Diego.
See the table below for other cheap home insurance companies in San Diego.
The below national rates are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Auto Club | $648 |
| Pacific Specialty | $672 |
| Cse | $744 |
| CSAA | $864 |
| Allstate | $912 |
| Travelers | $960 |
| AIG | $984 |
| Capital Insurance Group | $996 |
| Farmers | $1,008 |
| USAA | $1,008 |
| Mercury | $1,056 |
| Grange | $1,152 |
| Nationwide | $1,236 |
| State Farm | $1,332 |
| Chubb | $1,368 |
| Foremost | $1,512 |
| Encompass | $1,668 |
The below national rates are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Cse | $1,512 |
| Pacific Specialty | $1,656 |
| Auto Club | $1,680 |
| USAA | $1,704 |
| CSAA | $1,944 |
| Capital Insurance Group | $2,052 |
| Travelers | $2,076 |
| Mercury | $2,148 |
| Allstate | $2,160 |
| Nationwide | $2,160 |
| Farmers | $2,244 |
| AIG | $2,316 |
| Grange | $2,664 |
| State Farm | $2,868 |
| Chubb | $2,964 |
| Encompass | $3,936 |
| Foremost | $4,032 |
The below national rates are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Cse | $2,112 |
| Pacific Specialty | $2,544 |
| USAA | $2,568 |
| Auto Club | $2,604 |
| CSAA | $2,736 |
| Capital Insurance Group | $3,024 |
| Mercury | $3,084 |
| Travelers | $3,204 |
| Allstate | $3,204 |
| Nationwide | $3,264 |
| Farmers | $3,288 |
| AIG | $3,696 |
| Grange | $3,876 |
| Chubb | $4,104 |
| State Farm | $4,128 |
| Encompass | $5,916 |
| Foremost | $6,480 |
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How much homeowners insurance do you need in San Diego?
Although the state of California doesn’t require homeowners insurance, mortgage lenders usually will — and even if you own your home outright, insurance helps protect your investment.
When you’re researching home insurance companies in San Diego, it’s good to know how much coverage you need. Here’s what to know about the different types of homeowners insurance and recommended coverage amounts.
Dwelling coverage helps pay to repair or rebuild your home if a covered event (like a fire, windstorm, or other major disaster) destroys it. Consider the cost of rebuilding your home to gauge the right amount of coverage.
Personal property coverage helps replace your belongings (including clothing, furniture, and electronics) if a covered event destroys them. Making a home inventory helps you determine how much coverage you need.
Personal liability coverage helps protect you if you or a member of your household destroys someone’s property or if a guest gets injured in your home. Many home insurance policies provide at least $100,000 of liability coverage, but you can usually increase it to $300,000 or $500,000.
Medical payments coverage helps pay small medical bills if a guest is injured in your home, regardless of fault.
Additional living expenses coverage (also called loss of use coverage) helps cover hotel bills, restaurant meals, and other similar expenses if you need to move out of your home temporarily after a covered loss.
Check what your homeowners insurance covers to determine which gaps you need to fill with additional coverage. You may need to purchase additional coverage if you have high-value personal property, like jewelry, art, or antiques.
High-net-worth homeowners may consider umbrella insurance, which increases liability coverage to $1 million or more. Policyholders in high-risk flood zones may need a separate flood insurance policy.
What to know about home insurance in San Diego
San Diego might be known as America’s Finest City, but it faces unique weather-related risks and environmental factors that can affect home insurance costs in the area. Here are some of the biggest considerations when purchasing a policy.
High property values
The average home value in San Diego is just under $1 million — higher than the California average of around $750,000 and the national average of around $360,000. Higher property values mean you’ll need higher policy limits, which push up the price of a policy.
But you have ways to reduce your coverage costs. Ask your insurer about discounts for bundling policies, installing security devices, or making your home more disaster-resistant.
Wildfires
San Diego has a moderate wildfire risk over the next 30 years. Homeowners insurance usually covers wildfires, but it’s wise to double-check. Your insurer may offer a discount if you take steps to make your home more resistant to wildfires by upgrading to fire-resistant building materials.
You can also minimize potential wildfire damage by keeping your roof and gutters clear of debris and clearing brush, trees, and flammable materials from your home’s perimeter.
Earthquakes
Most homes in San Diego County are within 15 miles of a fault that could cause a damaging earthquake, according to the Earthquake Country Alliance. A standard homeowners insurance policy typically won’t cover earthquake damage, so you’ll need to buy a separate policy or supplemental coverage.
Check whether your insurer offers earthquake coverage. If it doesn’t, you can purchase a policy through the California Earthquake Authority (CEA).
Average cost of home insurance in other cities in California
Different cities — and even different ZIP codes within a city — can have vastly different homeowners insurance costs. Your home’s size, location, value, and risk factors (like wildfire or earthquake risk) can have a huge impact on how much you pay for coverage.
The following table shows the average annual home insurance premiums for different California cities.
The below national rates are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
City | Average Annual Premium: $300,000 in Dwelling Coverage |
|---|---|
| Santa Rosa | $1,836 |
| San Jose | $1,836 |
| Vallejo | $1,920 |
| Modesto | $1,932 |
| Salinas | $1,992 |
| Sacramento | $2,064 |
| Bakersfield | $2,064 |
| San Francisco | $2,076 |
| Visalia | $2,112 |
| Stockton | $2,172 |
| San Diego | $2,208 |
| Oxnard | $2,220 |
| Santa Maria | $2,232 |
| Fresno | $2,412 |
| Riverside | $2,532 |
| Los Angeles | $3,288 |
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San Diego homeowners insurance FAQs
Learning the answers to some frequently asked questions about homeowners insurance in San Diego can help you find the best policy for your needs. If you still have questions, consult the answers below.
The average monthly cost of home insurance in San Diego is $184 for a policy with $300,000 of dwelling coverage and a $1,000 deductible. You might need additional coverage for valuable personal property, earthquake damage, flood damage, or liability, which can affect the total cost of your property insurance.
With an average monthly premium of $81 for a policy with $300,000 of dwelling coverage and a $1,000 deductible, Pacific Specialty has the cheapest coverage in San Diego.
Chubb, Farmers, Allstate, Amica, and USAA are some of the best home insurance companies in San Diego. But the best insurer for you depends on your unique needs.
Homeowners insurance for a $500,000 house in California costs an average of $3,288 per year. Your actual costs depend on your insurer, the amount of coverage you choose, and other factors.
You can lower their home insurance premiums in San Diego by shopping around for quotes, increasing your deductible, bundling your home and auto policies with the same insurer, asking about discounts, and reviewing your coverage limits every year.
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
- Earthquake County Alliance. "San Diego County."
- Insurance Information Institute. "Earthquake Shakes San Diego Day After National Earthquake Conference."
- Payscale. "Cost of Living in San Diego, California."
- San Diego Military Advisory Council. "Military in San Diego."
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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