San Diego Property Insurance Expert


Independent San Diego Homeowners Insurance Agency


Property insurance is a series of policies that provide property protection or liability coverage for property owners. It provides a financial reimbursement in the case of damage or theft and to a person other than the property owner if that person is injured on the property. It doesn’t matter if you own a home or you are still paying for it through mortgage financing; property insurance is essential for protecting yourself and your family from great financial loss.


When you take into account all the expenses that come with owning a home, it is understandable that you want to protect it in every way you can. With our unique San Diego San Diego homeowner’s insurance, you can be sure that you will have great coverage if something happens to your belongings or home due to natural disasters or theft.



(619) 296-0005

Property and casualty insurance will help you restore your life back to normal if the unexpected happens. It is recommended to anyone who owns a home or condo. Your mortgage lender even requires it. Some landlords may require their tenants to have a renter’s insurance coverage. But whether it is required or not, it is always smart to have this kind of protection.

#1 Homeowners Insurance San Diego

If your home is damaged, the right type of personal property insurance can help you protect your home from the unexpected. Although not required by law, it is usually necessary if you have a mortgage or home loan. H&M independent insurance agency will help you find the coverage that fits your home and your lifestyle. We offer the perfect balance of robust coverage and affordable prices for:


It provides coverage for a private residence and usually covers the items like furniture, clothing, appliances, and more. Suppose your home is damaged or someone gets injured on your property. In that case, it can cover the costs of repairs, replacements, legal fees, temporary housing, and many more.


This policy covers the renters living in a house or apartment. It usually includes three types of coverages that include personal property, liability, and additional living expenses if the place you rent is left uninhabitable after a covered peril.


While your condo association’s master policy covers the exterior structure, your personal belongings are not covered. Protecting everything inside your unit against unexpected perils such as theft, fire, lightning, and vandalism will provide an extra layer of safety for you and your family.


Whether you live in your mobile home seasonally or year-round, insuring your mobile home does not have to be complicated. This policy offers coverage for the structures of your home, protects your personal assets, and offers personal liability protection.


If you own a condo unit and rent it, you should consider rental property insurance. It will provide financial coverage in cases of damages or injuries related to a rental property. Property owners should consider landlord insurance if they are responsible for the entire building, including the roof and the exterior.

If you live in an area at high risk of severe types of water damage like heavy rain, severe coastal storms, and melting snow, then flood insurance is the right coverage for you. With the City of San Diego being at moderate risk of flooding, it is usually required by the mortgage lenders to have it.


Your basic homeowners insurance does not cover earthquakes, so having one in a seismically active area like San Diego is considered a smart investment. It can be purchased as a separate policy or as an endorsement.


It refers to coverage under a homeowners, condominium owner’s, or renter’s insurance policy that covers the additional living expenses if you are temporarily displaced from your place of residence. It covers the expenses of food and the cost of staying at a hotel until your dwelling is inhabitable. ALE is usually included in most homeowners or renter’s insurance policies.


In most cases, a standard property insurance policy will not cover the cost of fixing or replacing the broken boiler. You can have peace of mind that if your boiler does break down, most of the boiler cover policies will pay for boiler repairs (labor and spare parts), as well as annual boiler service.


It includes any assets other than real estate – furniture, appliances, and electronics. They are considered tangible, while the intangible personal property can be stocks, bonds, and bank accounts. Under a homeowners policy, this coverage falls between 50% to 70% of a dwelling’s value.


Covers the expensive personal property that is easily moveable, like jewelry, furs, expensive stereo equipment, fine art, watch, and more. This add-on to your main policy usually covers one individual item, so if you have several expensive items, you will need to get a floater for each.


It provides an extra layer of coverage if your home is more valuable than average assets or you have particular liability concerns. It is an excellent way for anyone to increase liability protection and have peace of mind if they have significant assets.


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Property Insurance San Diego

rental insurance


After signing a lease on an apartment in San Diego, you may be asked for proof of renters insurance. It will protect your belongings, your visitors and provide additional living expenses coverage. More Info.

earthquake insurance


Potentially catastrophic earthquakes are not rare in California. Having earthquake insurance will compensate the damages to your home, personal property and help you pay for alternative living arrangements. More Info.

fire insurance


Coverage options include dwelling fire insurance, coverage for other structures, belongings coverage, loss of use, and wildfire coverage. Insure your home from grease, candle, and electrical fires. More Info

condo insurance


Outside of the condos is insured by the Homeowners Association master policy. With condo insurance, all your valuable possessions inside the condo are protected. More Info

Best Home Insurance Companies San Diego: H&M Insurance Agency

You may ask yourself how to reduce property insurance premiums? It is possible at H&M insurance agency. We offer a discount if you have a monitored alarm system, deadbolts on your doors, smoke detectors in your house or other security systems.

  • By protecting your home, you also create better conditions for a lower monthly premium rate.
  • Insurance does not have to be expensive, and getting the best rates does not have to be hard.
  • If you bundle your policies, you may save even more for larger discounts.
  • We are a family-owned company that reduces costs, minimizes risks, and delivers quality coverage based on your individual insurance needs.
  • One of the best home insurance companies San Diego has to offer, dedicated to your unique insurance needs.

Get an online quote or call us at (619) 296-0005 and get all info regarding the best San Diego property insurance.

Benefits of Having Property Insurance in San Diego

Having the best home insurance San Diego offers will provide protection against most risks to property, such as fire, theft, and some weather damage.

Protection of Your Main Dwelling

The part of your home where you actually live is the most important part. You should ideally insure your home at 100% of its value; however, the standard is usually 80% to 90% of its value. You will get comprehensive coverage both of the structure and the content of your property. You will be able to go through the rebuilding process quickly, move on, and get back to your normal daily life.

Protection of Your Home’s Contents

Your appliances like furniture, electronics, and other personal property that you have inside your home need to be included in your policy. You can, in case of a covered peril, can be reimbursed in part or whole (depending on your policy’s specific stipulations).

Protection of the Detached Structures

Another important thing of the insurance on the property is the coverage for your detached structures, including fences, sheds, garage, dog house, and many others. Detached structures are usually covered at up to 10% of the coverage limit for your main dwelling. However, you can always customize your policy if you want some other type of additional coverage for detached structures on your property.

Liability Coverage

One of the main reasons for having residential coverage is liability coverage. If someone gets injured on your property, decides to sue, and you are found liable, it could cost tens of thousands of dollars in medical bills. Condo Insurance San Diego is designed to protect you from expensive lawsuits and medical bills that could arise during a visit to your property.

San Diego Home Insurance Coverage

For something to be covered, it must be ‘sudden and accidental,’ which means that it was not, for example, a slow leak that caused damage over many months. The perils that are typically covered include:

  • Explosion
  • Smoke
  • Lightning
  • Fire
  • Theft
  • Vandalism
  • Windstorm
  • Hail
  • Weight of ice, snow or sleet
  • Riot or civil commotion
  • Falling objects
  • Damages caused by vehicles or aircraft.
homeowners insurance san diego

The perils that are typically not covered include:

  • Flood damage (purchased as a separate policy)
  • Earthquake damage (also is a separate policy)
  • Mold infestation
  • Pest infestation
  • Damages of property due to wear and tear
  • Destruction of property willfully
  • Sewer backup.

Homeowner’s Policy Covering Situations

This policy provides a comprehensive package of residential and personal property protection for today’s home owners, covering situations such as:

  • Fire
  • Windstorm
  • Crimes, including theft and vandalism
  • Accidental major leaks or overflow of water
  • Personal liability
  • Loss of personal property
  • Loss of use

Dwelling Fire Policy (Tenant Occupied) Coverages

This type of insurance protects a home against the perils specifically named in the policy. It is designed to offer protection for tenant-occupied one-to-four family residential buildings. This policy provides damage protection from:

  • Fire, including smoke damage
  • Windstorms, including hail
  • Personal liability coverage for injuries to guests or others visiting the customers’ property
  • The fair rental value of income property if the customer cannot rent pending covered loss repairs and much more.

Levels of Coverage

Several forms of homeowners insurance offer various levels of protection, depending on the type of residence being covered and the homeowner’s needs. There are four levels of coverage:

  • Actual cash value – it covers the cost of the house and the cost of your belongings after deducting depreciation (or how much your items are currently worth, not how much you paid them). It is the basic and lowest possible coverage.
  • Replacement cost – replacement value policies cover the amount it would take to rebuild your home if destroyed or damaged. It is calculated based on the factors like the square footage of your home, number of bathrooms, and local building cost per square foot. It serves to help you repair or rebuild your home up to its original value.
  • Extended replacement cost – it is an expansion of the replacement cost and helps you cover extra rebuilding costs that are outside of your control will pay over the coverage limit if the prices for construction have increased and serves to pay over the coverage limit if the costs for construction have increased; it will usually not exceed 25% of the limit. It usually includes purchasing the needed supplies, appliances, and even labor costs.
  • Guaranteed replacement value – it will pay the full cost to replace or repair the home after the covered peril even if that amount exceeds the policy limits. This coverage is designed to give you peace of mind so that you can rebuild your house without dipping into your own money.

Tips on Lowering Your Home Insurance Premiums

There are some things you can do to cut down your property damage insurance premiums:

Maintain Security Systems

Burglar alarms, smoke alarms, CO detectors, dead-bolt locks, sprinkler systems, and even weatherproofing are standard in most modern houses. Installing them in older homes will help in lowering the insurance premiums by more than 10%.

Bundle Your Policies

Many insurance companies will give a discount to customers who purchase multiple policies under the same roof. Consider obtaining a quote for other types of insurance from the same company that provides your property insurance.

Raise Your Deductible

The higher the deductible you choose, the lower are the annual premiums. However, when you choose to have a high deductible, the chances are that you will end up paying for the high price of the claim or problem.

Paying off Your Mortgage

When possible, it is always better to pay off your mortgage and make sure you 100% own your home. You will see how your premiums instantly drop because the insurance company figures that you will take better care of it if you own the place.

Plan Ahead for Renovation

Wood-framed structures that you plan to add to your home will cost more to insure because they are highly flammable. If possible, choose cement- or steel-framed constructions that are more fire-resistant.

Make Regular Policy Reviews and Comparisons

It is highly advisable that you compare the costs of other policies to your own at least once a year. If you did any roof, electrical, plumbing, or heat upgrade, it could significantly lower your insurance premium. You only need to notify your insurance company and provide proof in the form of pictures or receipts.

The changes in your neighborhood can also influence the premium lowering. If a water hydrant is installed within 100 feet of the home or a fire substation is erected near your property, it may lower your premiums.

Home Insurance San Diego : FAQs

Property insurance is a type of insurance that provides coverage for property owners and renters. These policies offer protection in case damage is caused by fire, theft, weather, flooding, and other risks.

Perils covered by most property insurance companies include select weather-related afflictions like damage caused by smoke, fire, hail, wind, snow and ice, lightning, and more. It protects your property against vandalism and theft, covering the structure and its contents. It also saves you from expensive lawsuits and medical bills if someone other than the property owner gets injured on premises.

The cost of homeowners insurance in San Diego depends on several factors:

  • Location of your property
  • Type and date of construction
  • Square footage
  • Condition of the home
  • Existence of swimming pools
  • Credit history
  • Marital status
  • Occupation
  • Past claims
  • Coverage amount.

If you suffered a loss from a natural disaster or burglary, call H&M Insurance company to begin the claims process. An adjuster will work with you to assess the damage and determine the compensation you will receive. It depends on the limits set on your policy, the deductible amount you pay before the coverage kicks in and whether you have chosen actual cash value or the replacement value of your home and belongings.

Your home insurance is usually not tax-deductible, except under special circumstances. There are some tax benefits for homeowners, but they are not related to homeowners insurance.

However, suppose you are a landlord or a homeowner who uses a part of your home for business purposes. In that case, you will probably be able to deduct a portion of your homeowners insurance. The best thing to do is to ask your tax advisor can you or not deduct your taxes.

Make sure your homeowners insurance covers the structure of your home, your personal belongings, and liability. If you have more valuable than average assets to protect, then the umbrella policy is a good choice for you.

Searching “Property Insurance Near Me?” Look No Further, Call H&M Insurance Agency

If you look for home insurance for rental property or your home, then you are at the right place. As far as property insurance cost is concerned, H&M insurance agency will provide our clients with the most affordable rates and flexible paying options. We have more than 50 years of experience in the California market. Call us at (619) 296-0005 and get all the info about the average home insurance cost in San Diego.