Best Homeowners Insurance in San Diego 

 Best Homeowners Insurance in San Diego 

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Home insurance policies are designed to give homeowners peace of mind. Knowing that you will be protected in the case of an unexpected event like fire, theft, or vandalism can help you sleep well at night.

Unfortunately, choosing the best home insurance company for you can be challenging. There are many insurers that service San Diego, but they differ in terms of coverage, cost, quality of customer service, and more. The This Old House Reviews team has evaluated many homeowners insurance companies in San Diego to help you find the best fit for you.

To get free quotes from multiple providers in your area, call 855-948-5219 or enter your zip code in the tool below:

San Diego’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in San Diego include:

  1. Allstate: Best Overall
  2. Amica: Best Customer Service
  3. Farmers: Most Customizable Coverage
  4. Lemonade: Best Value

San Diego’s top home insurance companies provide robust coverage, a wide selection of optional endorsements, affordable rates, and high-quality customer service. However, there are some key differences between the providers.

Compare the Best Home Insurance Companies

See how the top home insurance companies in San Diego stack up on key metrics.

Comparison

Provider Visit Site Superlative Score Monthly Cost* Years in Business States Covered BBB Rating
Provider Visit Site Superlative Score Monthly Cost* Years in Business States Covered BBB Rating
Allstate Allstate.com Best Overall 98.10 $127.90 89 50 A+
Amica Amica.com Best Customer Service 96.60 $200 113 47 A+
Farmers Farmers.com Most Customizable Coverage 94.40 $130 92 50 A+
Lemonade Lemonade.com Best Value 83.50 $25 and up 5 23 B+

*Cost may be calculated for homes of slightly varying values

Industry-Standard Coverage

The majority of home insurance companies offer six standard forms of coverage, including dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. You can find a breakdown below.

Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost of repairing or replacing your home’s interior and exterior structure, along with any other structures on the property
Personal property Covers the cost of replacing personal possessions, including clothing, furniture, and electronics
Personal liability Covers the cost of attorney fees, court fees, and any damages resulting from someone being injured on your property
Loss of use/additional living expenses Covers living expenses like dining and accommodations if your home is temporarily uninhabitable due to covered damage or destruction
Medical payments to guests Covers the medical expenses if someone is injured in your home

1. Allstate

Allstate is one of the biggest home insurance companies in the US. The insurer sets itself apart with its 24/7 customer service center and many customization opportunities. Unlike some of its competitors, Allstate has a 24/7 center for all home insurance questions—not limiting communication to business hours. This makes the provider a solid choice for homeowners who want to speak directly to customer service representatives in real time.

Weigh the pros and cons of Allstate below.

Pros and Cons of Allstate

Pros Cons
Pros Cons
Wide variety of endorsement options Average customer satisfaction ratings
Second-largest homeowners insurance provider in the U.S.
24/7 customer service for all insurance questions

Plans and Pricing of Allstate

We received an instant quote for a single-family, roughly 2,200-square-foot home in San Diego valued at approximately $520,000. The monthly premium came out to $127.90 per month.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $524,481
Other structures $52,449
Personal property $393,361
Loss of use $104,897
Liability $300,000 per occurrence
Medical payments to others $5,000
Deductible $1,000
Monthly Cost $127.90

Discounts

Allstate offers a variety of discounts to help reduce your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired
  • Welcome and loyalty

Allstate Endorsements

Here you can see a sample of Allstate’s endorsements. Add-on coverages might vary depending on the state you live in.

Endorsements 

Type Description
Type Description
Personal umbrella policy Increases limits of personal liability coverage and adds coverage for lost wages and legal fees
Earthquake Covers repairs or replacement of your home after an earthquake
Flood Covers repair or replacement of your home in the event of a flood (required for homeowners in certain locations)
Water backup Covers water damage caused by clogged drains or sump pump failure
Scheduled personal property Covers valuable personal belongings, including jewelry, antiques, and more
Business property Covers computers and other home office equipment or equipment from a small business run out of the home
Sports equipment Covers golf clubs, skis, bicycles, and other sports equipment
Identity theft protection Covers legal fees and others costs associated with identity theft or fraud
Green improvement reimbursement Increases coverage to upgrade appliances with more energy-efficient uses after a loss
Electronic data recovery Covers costs from recovering lost computer data
Yard and garden Covers trees, landscaping, and ornamental plantings or adds coverage for lawn equipment
Musical instruments Covers valuable musical instruments

2. Amica

Amica offers robust, comprehensive coverage alongside valuable bonus features like its Contractor Connection. The program puts vetted, experienced contractors in contact with homeowners within as little as 24 hours for repairs. All the workmanship comes with a five-year warranty for peace of mind, and homeowners can track the repair progress online.

Weigh the pros and cons of Amica below.

Pros and Cons of Amica

Pros Cons
Pros Cons
Comprehensive coverage Not available in Alaska, Florida, or Hawaii
Affordable rates Does not use local agents
Contractor Connection

Plans and Pricing of Amica

We received an instant quote for a single-family, roughly 2,200-square-foot home in San Diego valued at approximately $980,000. The monthly premium came out to $200.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $980,000
Other structures $98,000
Personal property $490,000
Loss of use $294,000
Liability $500,000
Medical payments to others $5,000
Deductible $2,500
Monthly Cost $200

Discounts

Amica offers a variety of discounts:

  • Multi-policy
  • Claim-free
  • E-discount
  • Autopay
  • Loyalty
  • Alarm system
  • Automatic detection devices
  • New and remodeled homes

Amica Endorsements

Amica offers a wide range of add-on coverage options.

Amica Endorsements

Type Description
Type Description
Personal property replacement Fully covers the replacement cost for stolen or damaged items, instead of depreciated value
Scheduled personal property Offers more extensive protection for valuable items like jewelry and antiques
Automatic dwelling coverage increase Increases coverage limits when the cost to rebuild your home exceeds what your underlying policy allows
Credit card Covers up to $5,000 if your card is used fraudulently
Water backup/sump pump failure Covers damage from water backup and sump pump failure
Computer Covers computers, tablets, smart televisions, and smartphones
Catastrophic Covers damage due to earthquakes and floods
Liability and medical payment Increases liability coverage for legal fees and medical expenses

3. Farmers

Farmers is a trusted household name that offers several standout features. Its declining deductibles policy means that each year your policy is active, Farmers will take $50 off of your deductible. With its claims forgiveness program, Farmers will waive the surcharge if you go five or more years without filing a claim.

Weigh the pros and cons of Farmers below.

Pros and Cons of Farmers

Pros Cons
Pros Cons
Declining deductibles Fewer endorsements than competitors
Cosmetic damage coverage Website not highly detailed
Claim forgiveness

Plans and Pricing of Farmers

We received an instant quote for a single-family, roughly 2,200-square-foot home in San Diego valued at approximately $520,000. The monthly premium came out to $130.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $522,000
Other structures $52,200
Personal property $287,100
Loss of use $104,000
Liability $300,000
Medical payments to others $1,000
Deductible $1,000
Monthly Cost $130

Discounts

Farmers offers several discounts to reduce your monthly premium:

  • Non-smoking
  • Multi-policy
  • Claim-free
  • Protective devices
  • New home
  • Roofing materials

Farmers Endorsements

Farmers offers some optional add-on coverage to help you round out your coverage.

Endorsements 

Type Description
Type Description
Eco-rebuild Provides additional coverage to rebuild your home with energy-efficient materials after a covered loss
Personal articles floater Provides extra coverage for valuables like art, collectibles, or jewelry
Identity Shield Provides coverage if your identity is stolen, up to your policy limit
Contents replacement cost Provides the full replacement cost of stolen or damaged property (not less depreciation)

4. Lemonade

Newcomer Lemonade has brought a new, innovative approach to the industry that focuses on efficient technology and giving back to charity. The provider pools all of the customers’ money for premiums, then donates whatever is left over at the end of the year to a charitable cause. To file claims, homeowners can simply upload videos to a convenient mobile app. Nearly one-third of claims are handled instantly.

Weigh the pros and cons of Lemonade below.

Pros and Cons of Lemonade

Pros Cons
Pros Cons
Easy-to-use mobile app No auto insurance
Almost a third of claims handled instantly Not available nationwide
Charitable Giveback program

Plans and Pricing of Lemonade

We got an instant quote for a new construction, single-family, roughly 2,200-square-foot home in Eureka, California. The premium came out $60.75 per month. You can request a quote online to find out how much it would cost to cover your San Diego home.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $350,000
Personal property $175,000
Loss of use $105,000
Liability $300,000
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $60.75

Discounts

Lemonade offers several different discounts:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Lemonade Endorsements

Lemonade offers multiple endorsement options.

Endorsements 

Type Description
Type Description
Scheduled personal property Covers the cost to replace damaged or stolen items like jewelry, art, musical instruments, and furs
Home business Covers operating a business out of the home
Earthquake Covers the cost of repairing and rebuilding structures after damage from an earthquake
Sewer backup Covers cost of damage to home after sewer backup

Our Conclusion

We selected each of our top recommendations because they offer standout features that set them apart in the industry. Allstate has comprehensive coverage and a 24/7 customer service center for all queries—not just claims—so customers can reach them at any time. Amica has the valuable Contractor Connection program to assist with the repairs process. Farmers offers declining deductibles and claims forgiveness that’s beneficial for customers who make it five years without a claim, while Lemonade’s technologically advanced system is efficient and can simplify the claims process for homeowners.

Before you purchase a homeowners insurance policy in San Diego, we recommend getting a free quote from all four providers to compare coverage and pricing. Get multiple quotes by calling 855-948-5219 or by entering your zip code in the tool below:

How much is homeowners insurance in San Diego?

The amount you pay for your San Diego home insurance will depend on many different factors, including the company you choose, where you live, the size and square footage of your home, the materials it was built with, and more. Of our quotes, we received estimates of $43 and $84 for a home with an insured value of roughly $270,000.

Who has the best homeowners insurance rates?

We have reviewed many companies and found that Lemonade, Costco, and Metlife have some of the most affordable rates.

What is the cheapest homeowners insurance in California?

Of the companies we have evaluated, Lemonade has the cheapest homeowners insurance in California.

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.

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