Insurers point to water damage, wind and hail, and theft as being among the top causes of home insurance claims in San Diego and the rest of California.
- Water damage: Water damage can occur any time of the year and in various ways, such as burst water pipes and worn-out appliance hoses. Generally, home insurance covers water damage due to sudden events, such as a burst pipe. The typical homeowners insurance policy does not cover water or flood damage from storms, rising water or overflowing bodies of water. However, you may be able to purchase an endorsement or separate policy for these occurrences.
- Wind and hail: Trees falling onto houses and hail damaging roofs are examples of these homeowners insurance claims. The typical homeowners policy offers wind and hail protection for the structure of the home but does not apply to vehicles. Separate auto insurance with comprehensive coverage helps protect your vehicle from wind, hail, fire, flooding, vandalism and theft.
- Theft: Theft and porch piracy happen, but homeowners can take further steps to protect themselves with deadbolts, video doorbells, burglar alarms and other home security devices. It’s a good idea to take an inventory of your assets and property periodically so that you’re in a good position to file a more thorough claim if you experience a theft.
Recommended Home Insurance Coverage in San Diego
A standard HO-3 policy covers six areas: dwelling (typically up to the cost to rebuild your home), personal property, other structures, loss of use, personal liability and medical payments. Homeowners can adjust coverage limits in many ways.
Living in San Diego carries unique risks not included in a typical HO-3 policy. We recommend adding the following protection to a home insurance policy or purchasing it separately:
- Earthquake insurance: Regular homeowners insurance does not cover structural damage to your home or loss of personal property caused by earthquakes. However, some companies offer earthquake protection as an add-on.
- Flood insurance: It may be worth looking into flood insurance if you live in a San Diego flood zone. If you carry a mortgage, your lender may require you to have this type of insurance, which is offered by the NFIP.
- Fire insurance: San Diego is in a high-fire-hazard zone, which could lead to home-related fire damage. Generally, homeowners insurance covers fire damage, even if caused by wildfires. However, companies may limit coverage in areas considered high-risk. San Diego residents concerned about fire damage can also look into state-sponsored insurance plans.
- Landslide and mudflow insurance: Due to its tectonic plates and intense rain seasons, San Diego and California homeowners may opt for landslide and mudflow insurance.
- Animal liability insurance: California is a strict liability state, meaning you can be held responsible for dog-related injuries and property damage regardless of the circumstances. Animal liability insurance, umbrella insurance or increased liability coverage can give you more protection.
- High-value items insurance: A standard homeowners insurance policy typically provides limited coverage for art, antiques, musical instruments, fur and other high-value items. We suggest opting for a valuables endorsement or higher coverage limits if you are worried about such items.
