Home Insurance in San Diego

Protect your home and everything in it with a policy built for San Diego living – including the wildfire and California-specific risks the big carriers overlook.

Serving Southern California since 1979 · 5.0-star from 18 Google reviews · Licensed in 5 states

Get a Free Quote Call (800) 919-7475

What Home Insurance Covers

As an independent brokerage, Means Financial & Insurance Services compares multiple carriers to build the right protection at a competitive price.

Dwelling Coverage

Rebuilds or repairs the structure of your home after a covered loss like fire, wind, or theft.

Personal Property

Covers your belongings – furniture, electronics, clothing – at home and often when you travel.

Personal Liability

Protects you if someone is injured on your property or you are held responsible for damage.

Loss of Use

Pays for temporary housing and living costs if your home becomes uninhabitable after a claim.

Wildfire & Brush

Critical in Southern California – we help you secure coverage even in higher-risk fire zones.

Scheduled Valuables

Extra protection for jewelry, art, and collectibles beyond standard policy limits.

Why San Diego Chooses Means

We have been a trusted advisor to local families and businesses for over four decades. Here is what sets us apart.

Independent brokerage

We are not tied to one carrier. We compare admitted and non-admitted markets to match your needs with the right price.

Personal service since 1979

You get a dedicated advisor who knows you – not a call center. It is how we have earned a 5.0-star rating.

Southern California expertise

We understand the coverage concerns unique to San Diego homes, drivers, families, and California regulations.

Licensed in 5 states

California, Arizona, Colorado, Nevada, and Ohio – convenient if your life or business crosses state lines.

Who We Insure

Homeowners
Condo owners
Renters
Landlords & rentals
High-value homes
Second homes

How It Works

Free consultation

We learn your situation, assets, and priorities.

We compare carriers

We market your coverage to multiple insurers to find the best fit.

Tailored coverage

You get a clear recommendation and proof of insurance fast.

Ongoing support

We review at renewal and adjust as your life changes.

Home Insurance FAQs

How much does home insurance cost in San Diego?

Premiums depend on your home's rebuild cost, location, age, roof, and wildfire risk. As an independent brokerage we compare multiple carriers to find you the best rate for the protection you need.

Does home insurance cover wildfires in California?

Standard homeowners policies typically include fire, including wildfire. In higher-risk brush zones, coverage can be harder to place – we specialize in finding options, including the California FAIR Plan when needed.

Is flood or earthquake covered?

No – both are excluded from standard home policies. We can arrange separate flood and earthquake coverage so you are not exposed to California's biggest natural risks.

Can you help if I've been non-renewed or can't find coverage?

Yes. Because we work with many carriers and the FAIR Plan, we can often place coverage for homes that standard carriers have declined.

Should I bundle home and auto?

Often yes – bundling can lower your total premium and simplify your policies. We will show you the numbers both ways.

Get a Free Quote

Tell us what you need and we will compare carriers to find you the right coverage. No pressure, no obligation.

Request Your Quote Call (800) 919-7475