The Best Cheap Homeowners Insurance in San Bernardino, California for 2024: Quotes and Reviews

When shopping for homeowners insurance, cost should be your first consideration, because most insurers offer the same core coverages at widely varying prices.

For a policy with $500,000 in dwelling coverage, the cheapest insurance providers in San Bernardino are:

• Allstate: $1,665 per year
• Nationwide: $1,726 per year

With a policy of $1,647 per year, USAA is the cheapest, but available only to current and former military members and their families, so we omitted it from this list.

If you have a more expensive home, the following companies offer the most affordable options in San Bernardino for $2,000,000 in dwelling coverage:

• ASI: $5,308 per year
• Allstate: $6,738 per year

You can explore how the amount of dwelling coverage impacts rates from the table below.

Policies with baseline dwelling coverage of $500,000 will have a personal property coverage limit of $200,000, whereas a policy with a baseline dwelling coverage of $2,000,000 will have a personal property coverage limit of $800,000. All the homeowners insurance policies have $100,000 in liability coverage.

Jumpstart your search for the best insurers and most affordable premiums in California by reviewing MoneyGeek’s top picks within the state.

The average cost of homeowners insurance in San Bernardino is $2,306. This is slightly higher than both the state and national averages, which are $2,002 and $2,103, respectively.

Although the location of your property plays a huge role in the cost of your premiums, other factors also impact your rates. These include the amounts of dwelling and personal property coverage you choose.

Use MoneyGeek’s homeowners insurance calculator to compare quotes.

Aside from the cost, you should also consider an insurer’s customer service record and the company’s financial stability before selecting a policy. In the event you need to file a claim, you want a company that gives you prompt attention and efficient service.

Based on MoneyGeek’s evaluation, the best companies offering homeowners insurance in San Bernardino are:

• Best Overall: USAA (available only for current and former military personnel)
• Runner-up: Nationwide

These recommendations were based on MoneyGeek’s unique scoring system which took into account affordability, user satisfaction and financial stability.

Homeowners with newer homes in San Bernardino will have more affordable policy options than those who own older homes. Homes made with modern construction materials can be more resistant to damage, which makes filing a claim less likely. In addition, newer building materials are easier to find and install if damage occurs.

For newly constructed homes, a homeowner can expect to pay $1,644 per year for $500,00 in dwelling coverage, which is roughly 71% cheaper than the cost of insurance for a home built in 2000.

Based on MoneyGeek’s research, the cheapest homeowners insurance policies for newly-built homes in San Bernardino with $500,000 in dwelling coverage are from:

• Allstate: $1,187 per year
• Nationwide: $1,231 per year

While USAA is the least expensive, we did not include it in this list, because its offerings are available only to veterans and military families.

If you have a large amount of personal property or high-value items in your home, it is prudent to purchase higher personal property coverage limits. However, keep in mind that choosing this option will increase your premium.

A policy with higher personal property limits in San Bernardino costs an average of $2,498 per year, which is more expensive than the average annual premium of $2,306 for $200,000 in personal property coverage.

The following companies are the best options if you are looking for homeowners insurance policies with higher personal property limits:

• Allstate: $1,665 per year
• Nationwide: $1,870

USAA offers the cheapest option, at $,647 per year, but it’s only available to current and former military members.

Your deductible amount could have a significant impact on the cost of your home insurance. A higher deductible typically lowers the premium but means you’ll shoulder more out-of-pocket costs if you make a claim.

A policy with a $2,000 deductible costs an average of $2,039, compared to the average rate of $2,306 for a $1,000 deductible.

MoneyGeek found that these companies provide the cheapest options for high-deductible policies:

• Allstate: $1,472 per year
• Nationwide: $1,526 per year

At $1,456 per year, USAA comes in first, but its policies are only available to current and former military members.

State regulations in California prevent insurers from charging higher rates to homeowners with low credit scores, so this factor is not included in calculating premium rates.

If you are ready to collect and compare insurance quotes online, you will need the following information on hand:

• Personal information: You will be asked to provide personal information, such as your address, information about how many people live in your home, your insurance history and more.
• The replacement cost of your home: The cost of rebuilding your home will be the insurer’s basis for your dwelling coverage limits. This is not the same as the market value of your home, so consult a construction professional for an estimate.
• The value of your personal property: This will determine the personal property coverage limit that you need.
• Details about your house: This includes the year when your home was built, its size and whether you have any safety or security features, among other things.

MoneyGeek analyzed home insurance rates from 13 insurance companies in San Bernardino. Data for this analysis was provided in partnership with Quadrant. Quotes were collected for homes with varying coverage levels to calculate affordability scores.

In this analysis, the base profile was for a home with 2,500 square feet, built in the year 2000 with dwelling coverage of $500,000, personal property coverage of $200,000 and liability coverage of $100,000. All policies had a $1,000 deductible.

Quotes were also collected for homeowners with newly constructed homes, higher dwelling or personal property coverage limits, higher deductibles and poor credit scores.

Customer satisfaction ratings were drawn from J.D. Power surveys.