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.
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.
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.
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