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Find the Best Homeowners Insurance in San Diego, CA

Homeowners insurance gives you protection for one of life’s biggest investments: your home. In San Diego, the cost of home insurance depends on many factors, including location, type and date of construction and square footage. Credit history, marital status, occupation and past claims will also affect your rates. We researched the best homeowners insurance in San Diego to help you make this important policy decision.

Compare San Diego Homeowners Insurance

  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in San Diego
Overall satisfaction rating
  • Dwelling coverage
  • HomeQuote explorer
  • Loss of use coverage
  • Liability insurance

Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support.

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State Farm
Overall satisfaction rating
  • Farm & ranch coverage
  • Condo plans
  • Renters insurance
  • Property coverage

Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management.

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  • Multi-policy discount
  • Property coverage
  • Discounts available
  • Landlord insurance
386 East H St., Ste. 203
Chula Vista, CA 91910
(619) 264-1751
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Prosper Insurance Solutions
  • Flood insurance
  • Dwelling coverage
  • Independent agency
  • Experienced local agent
7710 Balboa Ave., Ste. 323
San Diego, CA 92111
(858) 581-2131
San Diego Insurance
  • Government insurance
  • Licensed brokers
  • 25 years of experience
  • Renewal discounts
4411 Mercury St., Ste.105B
San Diego, CA 92111s
(858) 565-6695
McCormick Insurance Solutions
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • mccormickinsure.com
1437 Morena Bl., Suite 201
San Diego, CA 92110
(619) 276-0492
Fusco | Orsini Insurance Services
  • M-Th: 9am - 5:30pm
  • F: 8am - 4:30pm
  • Closed Sat and Sun
  • foagency.com
5095 Murphy Canyon Rd., Ste. 200
San Diego, CA 92123
(858) 384-1506
Freeway Insurance
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Closed Sun
  • freewayinsurance.com/office-locator/Freeway-Insurance-San-Diego-CA-92115/
6915 El Cajon Blvd.
San Diego, CA 92115
(619) 734-9490
Wawanese Insurance
  • M-F: 8am - 4:30pm
  • Closed Sat and Sun
  • wawanesa.com
9050 Friars Rd.
San Diego, CA 92108
1(800) 640-2920
Einhorn Insurance Agency
  • M-F: 8:30am - 6pm
  • Closed Sat and Sun
  • einhorninsurance.com
3333 Midway St., Ste. 1
San Diego, CA 92110
(619) 313-4643
Right Time Insurance Services
  • M-F: 8am - 7pm
  • Sat: 8am - 5pm
  • Sun: 9am - 12pm
  • insurancebyjohn.com
1761 Hotel Circle South, Ste. 119
San Diego, CA 92108
(619) 299-6000
Allstate Insurance Agent: Daniel Egan
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • agents.allstate.com/daniel-egan-san-diego-ca-1420334.html
11590 W Bernardo Ct.. Ste. 130
San Diego, CA 92127
(858) 487-6111

How to choose homeowners insurance in San Diego

San Diego skyline

Homeowners insurance is not required by law in California. However, if you financed your home with a mortgage, the lender will most likely require you to carry homeowners insurance. The California Department of Insurance provides detailed information for those considering coverage for their home.

On average, San Diego residents pay $905 per year for homeowners insurance, lower than both the national average of $1,083 and California’s average of $974. Our moderate weather that doesn’t bring freezing temps to most of the county might contribute to lower premiums.

Average annual home insurance rates in San Diego

Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
La Jolla - 92037 $717 $1,421 $2,156
Downtown - 92101 $713 $1,449 $2,204
Julian - 92036 $1,226 $2,558 $3,953
Chula Vista - 91910 $664 $1,326 $1,999
Point Loma - 92106 $681 $1,359 $2,061
Mira Mesa - 92126 $758 $1,510 $2,299
Oceanside - 92054 $831 $1,684 $2,597
Note: Based on dwelling amounts above with a constant $1,000 deductible and $100,000 liability.

Costs are lower than average in the western, northern and southern parts of the county. For example: Point Loma, Mira Mesa and Chula Vista. East county locations, such as Ramona, tend to have higher averages. The two highest rates in the state are in San Diego County: the mountain town of Julian and the desert community of Warner Springs.

Discounts on home insurance in San Diego

Homeowners in California can get discounts for features like sprinklers, smoke alarms, security systems and water sensors. Energy efficient homes also qualify for discounts, and you can usually save money by combining auto, life and homeowners policies. Employees of UC San Diego and San Diego State University should check with their employers to see if they partner with insurers to offer special savings.

Add-on coverage for natural disasters

California is prone to natural disasters, so homeowners must rely on insurance to protect their investments. In San Diego, it’s essential to ask about riders for things that are not typically covered, like earthquakes and mudslides. Flooding, which can happen in low-lying areas like Ocean Beach and Mission Valley, is also not covered by basic homeowners insurance.

The Los Angeles Times reported that 60 to 80 percent of homes in Southern California are infested by termites, another natural hazard not covered by home insurance. Neighborhoods with older housing stock, like North Park and South Park, might be more susceptible, but even new homes can get infested.

Finally, many homes throughout San Diego County have backyard pools, and those residents should be aware that basic homeowners insurance does not cover injuries in or around the pool.

San Diego Homeowners Insurance Reviews


Progressive allows customers to compare rates and shop for homeowners insurance based on how much they can afford to pay. Homesite is the provider for policies purchased through Progressive. Discounts include bundling home and auto, quote in advance, alarm and safety systems and new home purchase. Reviewers gave the San Diego office decent marks.

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State Farm

State Farm has dozens of agents in San Diego that will meet or talk with you to explain homeowners insurance options. Most reviewers in San Diego report good experiences with individual agents in the area who give personal attention to their clients.

State Farm


GEICO has corporate offices in Poway, in central San Diego County. They offer discounts for bundling policies, and San Diego military families should inquire about savings. Reviewers in San Diego and surrounding areas, however, consistently give GEICO low ratings due to poor customer service.


Prosper Insurance Solutions

Prosper Insurance Solutions is an independent insurance agency in San Diego. Owner and founder Todd Payne graduated from San Diego State University. This company specializes in individualized solutions for homeowners and other types of insurance. San Diego customers liked the personal touch of having an agent instead of dealing with a large company.

Prosper Insurance Solutions

San Diego Insurance

Centrally located in Kearny Mesa, San Diego Insurance gets high marks from local reviewers for their excellent customer service. They offer a full range of insurance services in addition to homeowners, and will shop around to find you the best price and coverage.

San Diego Insurance