High-Risk Home & Car Insurance in San Diego

Finding good insurance is not always easy for everyone. If you or your property has been designated as “high risk,” you may have a tougher time getting coverage. Here at All County Insurance, we understand the frustration that often comes with shopping for high-risk home or car coverage, but we are here to make the process as easy as possible for you. We work with over 40 of the top insurance carriers in San Diego, getting you the most competitive rates, even in high risk situations. No matter where you live or what has happened in your past, you deserve the peace of mind that comes with good insurance.

There are many factors that come into play when a local San Diego high-risk car or home insurance company is deciding whether to offer you coverage or how to categorize your risk level. Things that can make you riskier to insure include:

For home insurance:

  • Home is in an area prone to wildfires, floods, or other extreme weather
  • Home is in a high-crime area
  • Home is only partially occupied
  • Home has prior insurance claims

For auto/motorcycle insurance

  • Past DUI/DWI convictions
  • Multiple past traffic violations
  • Previous at-fault accidents
  • Car with poor safety ratings
  • Young/teen/newly licensed driver

Your credit history, prior insurance coverage, and similar factors may also affect your ability to get a new policy. Thankfully, our network of providers can typically offer good rates on high-risk home and car insurance in San Diego, so you can rest well knowing you are covered.

Even if you have been turned down for insurance before, or you want to compare rates online to find the best policy for you, All County Insurance is here to help. Contact us to get a quote and get started today!