In San Bernardino, California, Allstate is both the best overall and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you, such as costs, coverage details or customer service preferences.
Best and Cheapest Home Insurance in San Bernardino, CA (2024)
Updated: November 24, 2024
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Best HomeInsuranceSan BernardinoTable of Contents
Best Overall - Allstate
Best for Service - Chubb
Best Cheap - Allstate
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Farmers
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services. This helps us find the best homeowners insurance in San Bernardino. Our advice is based on data and standards.
In San Bernardino, as of September 2024, the rates for home insurance represent the most competitive quotes available.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in San Bernardino, CA
MoneyGeek found that Allstate is the best option in San Bernardino, California, for home insurance with 100K dwelling coverage, earning a MoneyGeek score of 83 out of 100. The scores for home insurance companies in San Bernardino range from 41 to 83. These figures reflect MoneyGeek's scoring system, where insurers receive different scores based on factors like credit history and the age of your home.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Allstate | 83 | $381 |
| Farmers | 81 | $436 |
| Travelers | 77 | $582 |
| Chubb | 74 | $774 |
| State Farm | 55 | $968 |
| Nationwide | 54 | $960 |
| Capital Insurance Group | 41 | $837 |
Overall Best Home Insurance in San Bernardino, CA
MoneyGeek found that Allstate is the best option in San Bernardino, California, for $100K dwelling coverage. The two best overall home insurance companies in San Bernardino for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 83 out of 100 ($381 per year)
- Farmers: MoneyGeek score of 81 out of 100 ($436 per year)
Allstate stands out as the best home insurance provider because it offers affordability and remarkable customer satisfaction, which heavily contribute to its high MoneyGeek score.
In San Bernardino, California, there are many companies with different costs and service experiences. While cost is important, you should also think about factors like customer service and claims process, which are vital when you need to make claims.
Best OverallAllstate
MoneyGeek Score:
83/ of 100
Overview
Allstate scores high in affordability and customer satisfaction, making it a top choice. It offers comprehensive home insurance with cyber event / ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle and responsible payment.
Bundling home and auto policies can save you up to 25%. Allstate's cyber event / ID theft coverage helps if your identity is stolen, covering costs like legal fees. Back-up of sewer or drain coverage protects against water damage from broken pumps. These coverages are useful for homeowners, providing extra protection and peace of mind.
Best Home Insurance for Customer Service in San Bernardino, CA
MoneyGeek found that Chubb offers the best customer service in home insurance in San Bernardino, California, for $100K dwelling coverage. Leading the rankings for this coverage are:
- Chubb: MoneyGeek score of 96 out of 100 ($774 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($960 per year)
Chubb stands out as the top choice due to its high customer satisfaction and exceptional coverage options. Its dominance is driven by providing quality service at a competitive rate. Choosing Chubb means you're opting for reliability and enhancing your home's protection without straining your budget.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, with high scores in customer satisfaction and coverage. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home is seven years old or less.
Chubb's coverages are useful for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays for updates to meet current codes. Cash settlement lets you choose not to rebuild and get a cash payout instead.
Best Cheap Home Insurance in San Bernardino, CA
MoneyGeek found that Allstate is the best cheap home insurance option in San Bernardino, California, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 91 out of 100 ($381 per year)
- Farmers: MoneyGeek score of 86 out of 100 ($436 per year)
When it comes to the average cost of homeowners insurance in California, Allstate stands out due to its high affordability and customer satisfaction scores. With cheap home insurance, you often opt for lower coverage. This can help your wallet, but it might not be enough if an accident happens. Where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. Best cheap insurance is different as it considers both cost and quality, unlike the cheapest.
Best CheapAllstate
MoneyGeek Score:
91/ of 100
Overview
Allstate scores high on affordability and satisfaction, making it a top choice for home insurance. It offers cyber event / ID theft and back-up of sewer or drain coverages, but lacks home business property. You can save with Allstate's 'Bundle' discount, which offers up to 25% off when you combine home and auto policies.
Allstate provides useful coverages like cyber event / ID theft, which helps if your identity is stolen. Back-up of sewer or drain covers water damage from drains. Yard and garden increases limits for items like trees. These coverages help protect your home and belongings.
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Rates updated:
Dec 23, 2024
Quite a few factors affect homeowners insurance in San Bernardino, with location being one. Comparing rates is the best way to save, but it can take as much as 15 minutes per company. Reviewing at least three companies could mean over an hour of research. MoneyGeek's home insurance calculator helps you save by focusing on important factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage, and other details for a rate estimate.
Cheapest Home Insurance in San Bernardino, CA
MoneyGeek found that Allstate offers the most affordable home insurance in San Bernardino, California. The main factor affecting home insurance costs is the dwelling coverage chosen. Allstate provides great value for different coverage levels:
- For 100K Dwelling Coverage: Allstate: $381 per year
- For 250K Dwelling Coverage: Allstate: $776 per year
- For 500K Dwelling Coverage: Allstate: $1,436 per year
Allstate stands out as the cheapest option due to its lower premiums while having a high MoneyGeek score. This highlights its balance of cost and quality. Owning affordable home insurance in California can ease financial worries, as explained further about the cheapest homeowners insurance in California.
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Coverages:$100K Dwelling
| Allstate | $381 |
| Farmers | $436 |
| Travelers | $582 |
| Chubb | $774 |
| Capital Insurance Group | $837 |
| Nationwide | $960 |
| State Farm | $968 |
Cheapest Home Insurance for High-Value Homes in San Bernardino, CA
Allstate is the best option in San Bernardino, California, for affordable high-value home insurance. High dwelling coverage is needed for homes that cost more to replace, and home insurance costs can increase as these values rise.
- Cheapest for $750K Dwelling Coverage: Allstate: $2,114 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $2,809 per year
Allstate stands out as the most affordable homeowners insurance in San Bernardino due to its competitive pricing. According to MoneyGeek, this company’s affordability makes it a top choice, highlighting its appeal in affordability despite not always being the best overall.
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Coverages:1 - 750K dwelling
| Allstate | $2,114 |
| Farmers | $3,044 |
| Travelers | $3,063 |
| Capital Insurance Group | $3,506 |
| Chubb | $4,592 |
| State Farm | $4,698 |
| Nationwide | $4,923 |
Cheapest Home Insurance for New Homes in San Bernardino, CA
Farmers offers the cheapest home insurance for new homes in San Bernardino, California, with an annual premium of $206.
- Cheapest for $100K Dwelling Coverage: Farmers: $206 per year
- Cheapest for $250K Dwelling Coverage: Allstate: $502 per year
- Cheapest for $500K Dwelling Coverage: Allstate: $873 per year
Farmers stands out as the most affordable option in San Bernardino for new homes by offering low-cost coverage. However, it may not be the best overall according to MoneyGeek score.
Always ensure you are adequately covered.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Farmers | $206 |
| Allstate | $277 |
| Travelers | $305 |
| Nationwide | $388 |
| State Farm | $483 |
| Capital Insurance Group | $544 |
| Chubb | $622 |
How to Find the Best Home Insurance for You in San Bernardino, CA
The best cheap homeowners insurance providers balance quality and cost by offering excellent customer service, comprehensive coverage and affordable premiums.
The best cheap homeowners insurance in San Bernardino depends on your needs. Consider factors beyond premiums, like coverage options and customer service. Follow these steps to get the best cheap home insurance:
- 1
Evaluate Your Insurance Needs
In San Bernardino, California, assess what you need in a policy. Determine how much home insurance coverage you need by considering rebuilding costs, personal property value, and liability coverage.
- 2
Compare Different Providers
Look into insurance companies in San Bernardino. Focus on those with strong financial health, positive customer feedback, and a solid service record.
- 3
Compare Coverage and Costs
After identifying your needs, compare home insurance quotes. In San Bernardino, California, premiums for $100K dwelling coverage range from $381 with Allstate to $837 with Capital Insurance Group.
- 4
Ask About Discounts
Inquire about potential discounts from each provider, such as those for combining policies, installing security measures, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage if you need to file a claim.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can lower its risk profile and potentially reduce insurance costs.
- 7
Maintain Good Credit
A good credit score can influence your insurance rates in San Bernardino, California. Pay bills promptly and minimize outstanding debts.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies, such as auto insurance, to receive discounts and save money.
FAQ: Best Cheap Home Insurance in San Bernardino, CA
The best cheap home insurance provider for you in San Bernardino ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in San Bernardino, California.
How much is home insurance in San Bernardino, California, on average?
The average home insurance cost in San Bernardino, California, is $553.
What is the cheapest home insurance company in San Bernardino, California?
Allstate offers the cheapest home insurance in San Bernardino with an annual premium of $381.
What is the best home insurance company in San Bernardino, California?
The best home insurance in California for San Bernardino residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.