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Best cheap home insurance in San Bernardino in 2024

Updated May 14, 2024
USAA, Chubb, Mercury and AAA may write some of the best home insurance in San Bernardino, according to Bankrate’s research.
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The best home insurance companies in San Bernardino

San Bernardino homeowners may struggle to insure their homes. According to Risk Factor, 91 percent of all properties in San Bernardino are at serious risk for wildfire damage at some point in the next 30 years. The elevated risk, together with some of California's largest home insurers either leaving the state or dramatically scaling back coverage, can make finding a San Bernardino home insurance policy a challenge. If you’re having difficulty securing a policy, Bankrate’s insurance editorial team can help. Our seasoned insurance experts have done the research for you and identified USAA, Chubb, Mercury and Auto Club as the best home insurance companies in San Bernardino.

Best overall

Bankrate Score

Rating: 4.7 stars out of 5
4.7

Avg. annual premium

$905

$300K dwelling coverage

JD Power

881/1,000

Why USAA made our list: Year after year, USAA is a high-scorer in the J.D. Power Home Insurance Study and the Property Claims Satisfaction Study, both of which are a strong indicator of customer satisfaction. However, USAA policies are only available to military members, veterans and their qualifying family members. USAA’s NAIC complaint index for its home insurance product is also well below average, which signals that the company receives fewer complaints than expected. USAA announced that beginning March 2024, it would only insure homes with low wildfire risk. However, it is still too early to tell how these new underwriting guidelines will affect San Bernardino homeowners. To find out if you’re eligible for a USAA policy in San Bernardino County, you might want to contact a company representative.

Why USAA may be the best overall: In addition to its stellar customer satisfaction scores, USAA also boasts an impressive A++ (Superior) financial strength rating from AM Best. USAA home insurance policies come with replacement cost coverage already included, which typically costs extra with other providers. USAA’s Wildfire Response Program also comes pre-included and can help lower the risk of a total loss after a wildfire.

Scores and Ratings
Bankrate Score 4.7
J.D. Power 881/1,000
AM Best score A++
Read full review
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Best for high-value homes

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. annual premium

$2,254

$300K dwelling coverage

JD Power

801/1,000

Why Chubb made our list: San Bernardino homeowners on the hunt for a policy with extras pre-included may want to contact a Chubb agent for a quote. Chubb generally caters its policies toward higher-income homeowners; its Masterpiece home insurance policy comes with perks like extended replacement cost coverage, risk consulting, replacement cost coverage for personal property, water backup coverage, electronic data recovery, lock replacement and more.

Why Chubb may be the best for high-value homes: If you spent upward of $1 million on your home, Chubb’s Masterpiece home insurance policy may be a good fit. Chubb may offer dwelling coverage limits that are higher than some other insurers, and it offers personal liability coverage up to $100 million. Chubb’s AM Best rating is A++ (Superior), which signals a strong ability to pay out claims.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 801/1,000
AM Best score A++
Read full review
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Best for homeowners on the FAIR plan

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. annual premium

$960

$300K dwelling coverage

JD Power

--

Not rated

Why Mercury made our list: Mercury writes home insurance in 10 states, California being one of them. It is a smaller insurance company and was not included in the J.D. Power Property Claims Satisfaction Study or Home Insurance Study. Its NAIC complaint index may not inspire much confidence, as it scored above average for complaints about its home insurance product. However, Mercury may be redeemed by its affordable rates and ample discount offerings like a new home discount, loss-free discount, water leak detection discount and more.

Why Mercury may be best for homeowners on the FAIR plan: San Bernardino homeowners on the FAIR plan may be interested in Mercury’s difference in conditions policy. California FAIR plan policies can be skimpy on coverage, with no liability coverage and only actual cash value coverage available. Mercury’s difference in conditions policy can help fill in the gaps left by the FAIR plan and provide San Bernardino homeowners with high wildfire risk properties added financial protection.

Scores and Ratings
Bankrate Score 4.3
AM Best score A
Read full review
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Best for AAA members

Bankrate Score

Rating: 0 stars out of 5
0

Avg. annual premium

$1,301

$300K dwelling coverage

JD Power

--

Not rated

Why Auto Club made our list: Although it’s best known for its roadside assistance, AAA can also help out homeowners. In fact, Auto Club rewards members with policy discounts for having other AAA products like roadside assistance, auto insurance and identity theft protection.

Why Auto Club may be the best for AAA members: Auto Club’s California home insurance policies are pretty standard. It advertises a couple of endorsements like service line coverage and added coverage for green homes, as well as a couple of discounts. Auto Club home insurance may be worth looking into if you are already a AAA member, but it might not be worth getting a membership solely for a home policy.

Scores and Ratings
Bankrate Score Not rated
AM Best score
Read full review
Plus Collapse
Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

Bankrate takes a multi-pronged approach to selecting the best home insurance companies: We look at average rates from Quadrant Information Services (which we update monthly), third-party financial strength ratings, product availability, discount options, customer satisfaction scores and other metrics during our selection process.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The cheapest home insurance companies in San Bernardino

San Bernardino’s cost of living is one of the lowest in southern California. Coupled with a higher median household income, San Bernardino homeowners may have more discretionary spending income than homeowners in neighboring counties. However, more money in your pocket doesn’t always mean you want to spend it on home insurance. For homeowners looking to spend less on insurance, Bankrate found the cheapest home insurance companies for several different dwelling coverage limits.

Caret Down
Company Average monthly premium* Average annual premium*
Armed Forces
$70
$844
$75
$905
$80
$960
Auto Club
$108
$1,301
*Average rates for policies with $300K in dwelling coverage
Company Average monthly premium* Average annual premium*
Armed Forces
$81
$844
$83
$905
$91
$960
Auto Club
$127
$1,301
Company Average monthly premium* Average annual premium*
$98
$1,176
Armed Forces
$104
$1,252
$115
$1,384
$160
$1,919
Company Average monthly premium* Average annual premium*
$159
$1,912
Armed Forces
$178
$2,138
$182
$2,180
$263
$3,158

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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How much is home insurance in San Bernardino, California?

Despite how high-risk of a state California is for insurance, its rates are on the lower end of the spectrum. The average cost of home insurance in California is $1,452 per year for $300,000 in dwelling coverage. This is about 33 percent less than the national average cost of $2,153. To compare, the average cost of home insurance in San Bernardino is $1,669.

California’s low rates are a contributing factor to the current insurance crisis plaguing the state. California state legislation currently prevents insurance companies from raising rates to amounts that accurately reflect the risks (particularly wildfire risks) of insurance California property. Without the recourse to raise rates, insurers have little option but to scale back coverage availability.

San Bernardino rates by home age

Home insurance is an individual product, and the cost of your policy will depend on a few different things. The age of your home (and roof) is one of them. Typically, older homes cost more to insure, as they could be more prone to damage and more expensive to repair. However, your rates will vary from company to company.

Company 1959 1982 1992 2010 2020
Armed Forces
$1,153
$1,218
$1,247
$1,099
$625
$1,109
$1,127
$1,091
$993
$824
$1,043
$1,244
$1,297
$1,267
$755
Auto Club
$1,339
$1,386
$1,363
$1,301
$1,127
$1,845
$1,776
$1,769
$1,681
$1,170

San Bernardino rates by deductible amount

If you’re looking for cheaper home insurance, you might want to think about raising your deductible. Your deductible represents your financial responsibility after you file a claim with your insurance provider. By shifting some of the financial responsibility away from your insurance company, you may be rewarded with a cheaper rate.

Company $1,500 Deductible $2,000 Deductible $5,000 Deductible
Armed Forces
$844
$729
$662
$830
$830
$724
$905
$763
$625
Auto Club
$1,251
$1,218
$1,151
$1,276
$1,189
$930

Related content:

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Claims: Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”

Year built: Rates were calculated based on the following years built for homes and assigned to our homeowners: “1959, 1982, 1992, 2010, 2016 (base) and 2020.”

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance