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The variables explained here drive your San Diego County, California Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

Replacement Value of your home in San Diego County, CA is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for San Diego County, CA & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
San Diego County 2 Beds, 1 Bath, 1570 sqft $424,000 $109
Mountain Center 2 Beds, 1 Bath, 1,320 sqft $294,000 $44
Lake Riverside 4 Beds, 3 Baths, 2,800 sqft $566,000 $101
Idyllwild 3 Beds, 2 Baths, 2,250 sqft $517,000 $91
Desert Shores 3 Beds, 2 Baths, 1,620 sqft $351,000 $59
Potrero 2 Beds, 1 Bath, 1,570 sqft $236,000 $82
Murrieta 2 Beds, 1 Bath, 1,700 sqft $275,000 $50
Spring Valley 4 Beds, 3 Baths, 2,630 sqft $611,000 $86
Julian 4 Beds, 2 Baths, 2,400 sqft $652,000 $112
Coronado 4 Beds, 2 Baths, 2,950 sqft $657,000 $110
San Diego 3 Beds, 2 Baths, 2,250 sqft $520,000 $105
Santee 2 Beds, 1 Bath, 1,560 sqft $309,000 $50
Harbison Canyon 3 Beds, 1 Bath, 1,350 sqft $282,000 $69
Anza 2 Beds, 1 Bath, 970 sqft $251,000 $48
Campo 3 Beds, 2 Baths, 1,440 sqft $242,000 $89
Imperial Beach 2 Beds, 1 Bath, 1,270 sqft $326,000 $86
Carlsbad 4 Beds, 3 Baths, 2,130 sqft $504,000 $59
Jamul 4 Beds, 1 Bath, 3,390 sqft $473,000 $144
Pauma Valley 3 Beds, 2 Baths, 1,560 sqft $233,000 $49
Del Mar 2 Beds, 1 Bath, 1,200 sqft $194,000 $60
Idyllwild-Pine Cove 3 Beds, 2 Baths, 1,760 sqft $258,000 $61

If your San Diego County, CA home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in San Diego County:

Claim Typical Claim Amount
WIND $5,000
FIRE $59,000
LIABILITY (ALL OTHER) $45,000

Your San Diego County, CA insurance agent (see examples below) can help with your claims.

  • Travelers: Michael Kennedy Insurance Agency Inc, 2295 fletcher parkway ste 100, El Cajon, CA, 92020 619-797-1440
  • State Farm: Steve Beach, 402 s juniper st, Escondido, CA, 92025-4927 760-743-2999
  • Allstate: Brook Daly, 2447 s centre city pkwy, Escondido, CA, 92025 (760) 741-0971
  • Liberty Mutual Independent: Nickie Heath Insurance Agency, 16855 w bernardo dr ste 230, San Diego, CA, 92127 (858) 486-3737
  • Farmers: Svetlana Soukhinina, 16516 bernardo center dr ste 130, San Diego, CA, 92128 (858) 487-2910

Your Background Impacts Your Home Insurance Quotes

Here is a list of San Diego County, CA homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Full Time Job 550-599 Credit Score $100 to $150,000 1 Pet, Smoker $230
Retired 600-649 Credit Score $25 to 50,000 More than 3 Pets at home, Smoker $640
Freelancer 700-749 Credit Score $100 to $150,000 2 Pets, Non-Smoker $710