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.

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

Best company for high-value homes: Chubb

Best company for military families: USAA

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.

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.

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