Best Homeowners Insurance in San Diego 


In this guide, we break down the top homeowners insurance companies in San Diego.

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.

*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.

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.

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.


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.

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.

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.


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.

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.

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.


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.

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.

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.


Lemonade offers several different discounts:

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

Lemonade Endorsements

Lemonade offers multiple endorsement options.

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

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