Have you ever been to a primary care doctor and wondered why they focus on treating symptoms instead of addressing the root cause of your illness? Rather than take a patient-centered approach to address questions like, “Why are you ill?” they prescribe medications that alleviate symptoms but don’t do much to solve the underlying issue that’s causing you to be sick.
When you have a runny nose, you’re handed an antihistamine. When you have high cholesterol or high blood pressure, you’re prescribed a pill that treats the number. The truth is that this approach only tackles your symptoms. When the root cause isn’t fixed, your symptoms can get exponentially worse. Remember - your body’s dysfunction isn’t due to your meds not working.
This begs the question: Wouldn't you rather address the underlying cause of your health concerns so you can experience long-term relief? As a naturopathic doctor in San Ysidro, CA, Dr. Erica Oberg takes a functional approach to medicine and well-being instead of treating the symptoms her patients endure.
Health is a state of vibrant vitality, abundant energy, and positive affect. It can be learned, cultivated, and practiced by everyone. Dr. Oberg's approach to health and medicine combines the rigors of science with the wisdom of nature and our bodies. She is passionate about helping people experience a higher level of health and vitality. As such, her clinical practice focuses on preventing, reversing, and taming chronic disease, neuro-degeneration, and anti-aging.
Dr. Oberg specializes in nutrition & lifestyle, IV therapy, and identifying the underlying causes of disease using advanced testing and creating customized treatment plans to help individuals dial in their lifestyle, dietary supplements, peptides, bioidentical hormones, anti-aging pharmaceuticals, and more. If you’re looking for individualized, science-based, proactive functional, integrative, or natural medicine, we believe you’ll resonate with Dr. Oberg and work your way through life’s challenges with help from our functional medicine clinic in San Ysidro, CA.
Dr. Oberg and her team of licensed providers specialize in a range of naturopathic and science-based services, including but not limited to:
If you're ready to reclaim your vitality and learn more about Dr. Oberg's approach to health and medicine, we make it easy to get started. The first step is to have a complimentary 15-minute phone call to ask questions and determine if her approach is a good fit. Once Dr. Oberg understands your health needs and goals, your journey to optimal health and wellness truly begins.
Now that you know more about what makes Dr. Oberg different from other physicians, let's dig a little deeper into some of the most popular programs and clinical services offered at her functional medicine clinic.
As people get older, many things change in life. Often, those changes are good, like having more self-control, financial freedom, and patience. Others are hard to deal with, especially when they're out of our control. Like all things in life, our hormones change when we get older. These fluctuations can cause problems for both men and women, including:
If those symptoms sound familiar, you're not alone. A 2019 American Psychological Association survey found that almost half of women aged 30 to 60 in the US have experienced symptoms of a hormonal imbalance. Of course, as men age, they suffer from imbalanced hormones, too. Research from BodyLogicMD states that nearly 38% of males in America aged 45 and older have a testosterone deficiency.
The good news is that balancing your hormones and addressing the root cause of your symptoms doesn’t have to be hard. It’s a realistic goal with Dr. Oberg by your side. As a functional medicine doctor in San Ysidro, CA, she can help your body metabolize and detoxify both your own hormones and the endocrine-disrupting chemicals infiltrating your life. When your hormones are in harmony, you experience improved energy, mood, and overall health – and that’s something to be excited about.
Our comprehensive Three-Month Hormone Balancing Program is designed to empower you with the knowledge and tools to take control of your hormonal health. This is no "one-and-done service" - it's a holistic journey that spans three transformative months, offering the support and guidance to become confident, capable, and healthier than ever. Features of our hormone balancing program include:
You will receive support throughout your journey from Dr. Oberg, who will provide healthcare services, and our health coaches, who offers personalized coaching tailored to your specific needs.
Nutrition has a significant impact on hormonal health. A customized hormone-balancing diet plan will be provided to help nourish the body optimally based on individual goals.
We provide a range of practical strategies and tips for regulating hormone balance through your nervous system. These techniques aim to empower you to take control of your well-being.
When appropriate, we’ll prescribe you hormone replacement therapy (HRT), testosterone replacement therapy (TRT), or growth hormone peptide therapy to help balance your hormones.
At our functional medical office, we make it a point to correct the root causes of our patient's problems. We don't treat symptoms - but we do use them to figure out the underlying issues you're facing. If you notice any of the following symptoms, it could be time to consider HRT.
When you mention hormone replacement therapy, most people think the treatment is exclusively for females going through menopause. While that's partially true - HRT can relieve night sweats, hot flashes, and other menopause-related problems - men also deal with imbalanced hormones.
Testosterone plays a crucial role in male sexual health. Low levels can result in decreased sex drive, erectile dysfunction, and other sexual performance issues. Difficulty achieving or maintaining an erection may be a sign of imbalanced hormones or low testosterone levels.
When your sleep patterns change - like when you have trouble falling or staying asleep - it could be a sign of a hormone imbalance. Testosterone is involved in regulating the sleep cycle, and insufficient levels of it can disrupt quality rest.
Imbalances in hormones can affect mental health and mood. If a man shows signs of irritability, mood swings, or depression, it could indicate low testosterone or other hormonal issues. Hormone replacement therapy can help regulate mood by balancing your hormone levels.
Menopause happens when a woman has not had a menstrual cycle for at least 12 consecutive months. It is a result of declining sex hormone levels, causing the ovaries to stop releasing egg cells. During menopause, women face a range of challenges.
Testosterone plays a crucial role in male sexual health. Low levels can result in decreased sex drive, erectile dysfunction, and other sexual performance issues. Difficulty achieving or maintaining an erection may be a sign of imbalanced hormones or low testosterone levels.
Irregular menstrual cycles are a common sign that women are nearing menopause, and their hormone levels may be shifting. The frequency of their periods may increase or decrease, and the amount of bleeding could be more or less than usual, while also lasting for a shorter or longer time.
Hot flashes are perhaps the most well-known symptom of menopause and a frequent sign that a woman's hormones are imbalanced. Hot flashes are sudden feelings of warmth and sweating that are usually most intense on your face, neck, and chest.
Don't let hormone imbalances dictate your life. Take the first step towards reclaiming your balance, energy, and vitality. By working together with Dr. Oberg and her team, you can unlock the path to a healthier, more harmonious you.
When you choose Dr. Oberg as your naturopathic doctor in San Ysidro, CA, a new world of healthy living and wellness options are at your disposal. One of the most popular and effective ways to give your body the goodness it needs is with custom IV therapy at our functional medicine office.
Customized IV therapy from Dr. Oberg is all about tailoring your treatment to meet your health goals and needs. Unlike one-size-fits-all IV clinics, our team considers factors like nutrient deficiencies, hydration levels, and overall health to create a customized infusion. This personalized approach gives you better and more applicable results, whether you're looking to get a boost of energy, fortify your immune system, or get relief from a specific ailment.
Your custom IV therapy begins with a consultation with Dr. Oberg. During your initial meeting, we’ll get a better sense of what your brain and body needs. From there, we’ll create a custom infusion for you – not just a formula that matches your height, weight, and age.
Our IV drip therapy menu includes infusions such as:
IV therapy is considered one of the best ways to get the nutrients and immune-boosting goodness your body needs because it gives you a more direct, efficient means of delivery. Unlike oral supplement, which often falls short due to digestive limitations, IV therapy ensures swift and comprehensive nutrient absorption. Some of the biggest benefits of IV therapy from a functional medicine doctor in San Ysidro, CA include the following:
IV fluids and electrolytes rapidly hydrate your body, providing an efficient remedy for dehydration resulting from illness, physical activity, or excessive alcohol intake.
IV treatment is able to increase energy and fight tiredness, which can make you feel re-energized.
IV infusions containing immune-enhancing vitamins and antioxidants can fortify your immune system and assist in recovering from illness.
IV therapy containing growth factors, exosomes, and vitamins is effective in improving the health and appearance of the skin and hair. These components complement hair and facial microneedling treatments exceptionally well.
IV therapy can help reduce the symptoms of toxic exposure, like headaches, nausea, fatigue, and dehydration, whether it's from a basic hangover or prolonged exposure to molds, heavy metals, or other toxins.
Dr. Oberg’s personalized IV infusions can serve as an initial boost for making lifestyle changes and play a role in a sustained plan to control persistent conditions like diabetes, autoimmune disorders, cancer, heart disease, and others.
Support Mitochondria function and Anti-aging
Dr. Oberg offers carefully sourced and research backed regenerative therapies such as exosome and stem cell infusions. These can be powerful options for people recovering from chronic infections such as long COVID or Epstein Barr or Lyme. They are also powerful for neuro-regeneration and we frequently use them in stroke recovery and for traumatic brain injury.
Dr. Oberg offers personalized IV micronutrient therapy tailored to address specific nutritional deficiencies, hydration needs, and overall health. This therapy is based on advanced testing that evaluates your cells' nutrient levels. Whether you need more energy, a stronger immune system, or relief from different health issues, IV drip therapy can be customized to help you rediscover the very best version of yourself.
As we get older, our bodies experience a range of changes that affect our health and appearance. These changes are primarily caused by issues with mitochondria and cellular aging. However, there have been significant developments in regenerative medicine, offering the potential to turn back the hands of time and improve health. Schedule a consultation today with Dr. Oberg to begin your journey with regenerative medicine.
Regenerative medicine is an exciting, innovative field that centers on activating your body's innate regenerative abilities to repair and revitalize tissues, cells, and organs. Its focus is on improving your body's natural healing processes to counteract the impacts of aging and different health issues. If you find that old, nagging injuries won’t go away or that fine lines and wrinkles have become overwhelming, anti-aging medicine from a functional medicine doctor in San Ysidro, CA may be perfect for you.
At our naturopathic medical office, we use treatments like IV therapy, hormone replacement therapy, and Peptide Therapy to manage a broad array of health and aesthetic concerns. These treatments can aid in tissue repair, inflammation reduction, and enhancement of cellular function.
Anti-aging services offered at our functional medicine clinic include the following:
Peptides are fundamental components of proteins and play a crucial role in various biological processes, such as the aging process. Dr. Oberg offers peptide treatments to help counteract age-related decline, enhance muscle growth and performance, improve skin health, and more.
When you bring your hormones back into balance, you can fight back against issues such as fatigue, mood swings, reduced libido, and even erectile dysfunction.
Replenish vital nutrients, antioxidants, and hydration for improved energy levels, skin health, and immune support.
Exosomes are tiny vesicles generated from mesenchymal stem cells. These vesicles serve as powerful communicators, transmitting signals to various tissues in the body. Their main function is to trigger healing, regeneration, and repair processes, mimicking the actions of younger cells. They are considered to be one of the most effective strategies for combating the aging process.
When nutrition guidance, lifestyle adaptations, and powerful supplements are combined with naturopathic medical therapies from Dr. Oberg, you can reverse chronic diseases in your life and reach your anti-aging goals.
Our goal with regenerative medicine treatments is to rejuvenate deteriorating or aging tissue. Our approach to treatment centers on fixing and reversing damage instead of solely addressing symptoms like pain. Regenerative medicine harnesses the power of healthy cells to renew and restore function by enhancing the body's innate capacity for self-healing.
Dr. Oberg uses regenerative medicine to treat a range of issues, both aesthetic and injury-related, including the following:
Experience the future of anti-aging and regenerative medicine with Dr. Erica Oberg. Contact us today to schedule a consultation and embark on your journey to a healthier, more youthful you.
When you visit our functional medicine clinic, you can rest easy knowing Dr. Erica Oberg uses her unique skills, knowledge, and naturopathic principles for the betterment of your health and well-being. Unlike many traditional primary care providers, our team combines the best aspects of traditional wisdom and modern scientific medicine to diagnose, treat, and prevent chronic diseases.
You don't have to worry about us suggesting addictive pain medications or treatments that simply mask your aesthetic or medical challenges. Instead, our goal is to address the underlying factors holding you back. If you're ready to take the first step toward purposeful progress and healthy living, contact us today.
As Mexico gears up to celebrate its 214th Independence Day, you can find people celebrating in the United States, including throughout San Diego County.The official Mexican Independence Day is Sept. 16, but multiple events will commemorate the Grito de Delores -- Cry of Delores -- on Sunday. Telemundo 20, NBC 7's sister station, will be celebrating El Grito with special coverage. ...
As Mexico gears up to celebrate its 214th Independence Day, you can find people celebrating in the United States, including throughout San Diego County.
The official Mexican Independence Day is Sept. 16, but multiple events will commemorate the Grito de Delores -- Cry of Delores -- on Sunday.
Telemundo 20, NBC 7's sister station, will be celebrating El Grito with special coverage. Watch on Telemundo California and click here for more.
On Sept. 16, 1810, Catholic priest Miguel Hidalgo y Costilla rang a church bell in Dolores, Mexico, and gave a call to arms that ignited the Mexican War of Independence. This independence from Spain took a bloody 11 years and 12 days to achieve, but the Declaration of Independence of the Mexican Empire was signed on Sept. 28, 1821.
In San Diego's historic Old Town, the Fiestas Patrias began Saturday at Old Town State Historic Park with a parade honoring the escaramuzas, traditional women equestrians.
Visitors can also experience traditional crafts, living history demonstrations and historic adobe walking tours, with Folklorico dancers from Gift of Dance performing throughout the day.
Avocado lovers can taste contestants' entries in the first Old Town Guac' Off to find the best guacamole in the neighborhood.
In the South Bay, Chula Vista will commemorate "El Grito" on Sunday with Chula Vista Mayor John McCann hosting Ambassador Alicia G. Kerber-Palma, Consul General of Mexico in San Diego for a traditional Mexican Independence Day celebration.
This event runs from 4-8 p.m. in Chula Vista's Memorial Park, 373 Park Way. It will feature mariachi, ballet folklórico and music from Norteño singer Tapy Quintero.
"We are honored to have Ambassador Kerber-Palma join Chula Vista for her first El Grito since coming to San Diego in February," McCann said. "Our event will be a celebration of culture and independence."
The offical "El Grito" of San Diego County will begin at 7:30 p.m. with a march of flags by students from Tijuana's Preparatoria Federal Lázaro Cárdenas and Kerber-Palma performing "El Grito," and a performance of the Mexican national anthem.
If you find yourself in North County, head to Escondido's Grape Day Park, 321 N Broadway, for the Fiestas Patrias Festival.
The all-day event begins with a church mass at noon, followed by traditional dancing, mariachis, ballet folklorico, and live performances from artists such as Los Montano.
Two stages, a beer and wine garden, food and craft vendors and a children's area will run throughout the day with an official "El Grito" performance at 9:30 p.m.
Or visit Oceanside, where the city will kick off National Hispanic Heritage Month with its 16th annual Oceanside Noche Mexicana 2024 at 1 p.m.
This event will include performances by Ballet Folklorico Tapatio de Oceanside, Los Hijos de Beltrán, Mariachi Mi San Diego and other local Latino bands, singers and dancers. The event will close with a re-enactment of the Grito de Dolores.
Other locations holding events include the city of Vista and Barrio Logan's Chicano Park.
BERKELEY – rushed for a career-high 169 yards and the Golden Bears held San Diego State without a touchdown until the fourth quarter in a 31-10 whitewashing of San Diego State on Saturday night at California Memorial Stadium.With the win, Cal is off to its first 3-0 start since 2019 and has won six regular season games in a row for the first time since capturing the final regular season game of the 2006 season and the first five in 2007.Four different Golden Bears scored touchdowns, includi...
BERKELEY – rushed for a career-high 169 yards and the Golden Bears held San Diego State without a touchdown until the fourth quarter in a 31-10 whitewashing of San Diego State on Saturday night at California Memorial Stadium.
With the win, Cal is off to its first 3-0 start since 2019 and has won six regular season games in a row for the first time since capturing the final regular season game of the 2006 season and the first five in 2007.
Four different Golden Bears scored touchdowns, including two who reached the end zone for their first time at Cal – running back and tight end . Wide receiver continued his eye-opening freshman season with his fourth scoring catch of the year.
Calloway finished with 87 yards rushing as the Bears amassed 275 yards on the ground as a team. missed the game due to injury.
Cornerback , who entered the game leading the nation in interceptions, added his fourth of the season in the second quarter. had a career-high 2.5 sacks for Cal.
The Aztecs scored first on a 29-yard field goal from Nick Lopez with 5:42 left in the first quarter but the Bears answered immediately with a seven-play, 69-yard drive that culminated in an 8-yard scoring run by Mendoza. The score remained 7-3 at halftime as the teams combined to commit 19 penalties in the first half – including 13 by the Aztecs.
The Bears established some breathing room with two long scoring drives in the third quarter – an 8-play, 85-yard possession that ended with Calloway's 7-yard scoring run, and a 13-play, 90-yard drive that culminated in a 20-yard touchdown pass from Mendoza to Dyches.
A 48-yard field goal by pushed Cal's advantage to 24-3, and San Diego State finally reached the end zone to make it 24-10 early in the fourth quarter. Hunter capped off the scoring with a 15-yard touchdown catch with 9:48 to play.
The Bears resume play next Saturday when they play their first ACC football game ever at Florida State. Kickoff is set for 4 p.m. PT and the game will air on ESPN2.
STAY POSTED For coverage of Cal football, please follow the Bears on Twitter (@CalFootball, @CalFootballPR) and Instagram (@cal_football).
Justin Wilcox’s California Golden Bears look for another win in Week 3, this time as big favorites over the San Diego State Aztecs tonight in prime time.And while the Aztecs have claimed to have a new offensive identity for 2024, my San Diego State vs. California predictions don’t see much scoring in this matchup.See why I’m backing an Under with my college football picks for Saturday, September 14.San D...
Justin Wilcox’s California Golden Bears look for another win in Week 3, this time as big favorites over the San Diego State Aztecs tonight in prime time.
And while the Aztecs have claimed to have a new offensive identity for 2024, my San Diego State vs. California predictions don’t see much scoring in this matchup.
See why I’m backing an Under with my college football picks for Saturday, September 14.
My best betUnder 48.5 (-110 at BetMGM)
My analysisAfter rebranding themselves as “Aztec FAST” this offseason, the San Diego State Aztecs have yet to see their new offensive identity bear fruit. The offense mustered just 179 total yards on 3.7 yards per play while gaining just seven first downs against Oregon State a week ago, getting blanked on the scoreboard.
SDSU certainly is playing fast, ranking seventh in tempo by snapping the ball 2.70 times per minute. However, it simply hasn’t been effective, as the Aztecs rank 125th in success rate.
They did manage 45 points in the opener against Texas A&M-Commerce, but that comes with a few caveats. First, they didn’t find the end zone until the second half. Secondly, that was against an FCS school that allowed 36 points to UC Davis the following week. Texas A&M-Commerce finished with a 1-9 record a year ago while allowing 32.3 ppg, hardly qualifying as stiff competition.
The Aztecs have a true freshman at quarterback in Danny O’Neil. While he likely has brighter days in front of him as Sean Lewis’ QB1 of the future, he’s averaging just 5.6 yards per attempt with more turnover-worthy passes (3) than big-time throws (1). He’s playing through a lower-body injury and was ineffective doing so against Oregon State, passing for 107 yards on 24 attempts.
The California Golden Bears defense has regressed significantly over the last few seasons but has come out with a vengeance to start 2024. The Bears’ salty defense has surrendered just 295 yards per game on 4.5 yards per play.
Cal effectively bottles up big plays, ranking 39th in explosiveness. It checks in at 13th in PFF’s defensive grade (88.7) and is tied for the national lead with eight forced turnovers. Cade Uluave is a star at linebacker, while Nohl Williams has intercepted three passes at corner.
This is a sandwich spot for Cal, who travelled to Auburn a week ago and heads to Florida State next week. Two offensive line starters have been absent from the lineup along with a starting wide receiver, so it’s difficult to envision them lighting up the scoreboard against a surprisingly stout SDSU defense (32nd in EPA per play, third in explosiveness).
Under 48.5
San Diego State +18.5
California team total Over 27.5
The sandwich spot worries me for Cal. The Bears have one of the most difficult travel schedules this sport has ever seen. Since they’re a West Coast team joining the ACC, they’ll be flying coast to coast nearly every week. Per SI, Cal will travel a combined 20,720 miles in its five road games this year, which is 83% of the circumference of the Earth (24,902 miles).
It would still be difficult to envision Cal not getting on the scoreboard a few times in this game even if it stays Under the total as I predict. SDSU operates at a quick tempo and that should mean more possessions for the Bears.
Star running back Jaydn Ott has been dinged up but quarterback Fernando Mendoza picked up the slack, throwing for 233 yards and two scores against Auburn.
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Cal has cashed the Under in six straight games. Find more college football betting trends for San Diego State vs California.
| Location: | California Memorial Stadium, Berkeley, CA |
| Date: | Saturday, 9-14, 2024 |
| Kickoff: | 10:30 p.m. ET |
| TV: | ESPN |
Monitor gametime conditions with our College football weather info.
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Contributor
JD is a diehard college football fan with five years of experience writing betting and fantasy content for publications such as SportsGrid, Fantasy Points, Fantrax, and Devy Watch. An avid reader, he uses his inclination to look at things with an exhausting and in-depth, analytic viewpoint combined with a love for statistics and metrics to form a well-rounded handicapping approach.
e's an integral member of the niche (but growing!) college fantasy football community, twice traveling to Canton, OH for the Fantasy Football Expo as a member of the CFF King's Classic drafting squad. His specialization in college football DFS and prop betting taught him that there are exploitable markets to be found and that narrowing your focus is integral to being a profitable bettor.
A lifelong Californian who grew up playing baseball, basketball, football, and lacrosse, he's glad to share a passionate love for sports with this wonderful community.
The students are among more than 16,000 semifinalists in the running to be named a National Merit Scholar.Kristina Houck, Patch StaffSAN DIEGO, CA — Dozens of San Diego area students were named National Merit Scholarship semifinalists, the National Merit Scholarship Corporation announced this week.The students are among more than 16,000 semifinalists in the running to be named a National Merit Scholar, and receiv...
Kristina Houck, Patch Staff
SAN DIEGO, CA — Dozens of San Diego area students were named National Merit Scholarship semifinalists, the National Merit Scholarship Corporation announced this week.
The students are among more than 16,000 semifinalists in the running to be named a National Merit Scholar, and receive a $2,500 scholarship to help them further their education. Roughly 6,870 National Merit Scholarships worth nearly $26 million will be awarded next spring, according to the National Merit Scholarship Corporation.
To become a finalist, semifinalists must submit a detailed scholarship application that provides information about their academic record, participation in school and community activities, demonstrated leadership abilities, employment, and honors and awards received. They must also be recommended by a high school official, receive SAT or ACT scores high enough to qualify, and write an essay.
About 95% of the semifinalists are expected to attain finalist standing, and approximately half of the finalists are expected to win a National Merit Scholarship, earning the Merit Scholar title in the 70th annual National Merit Scholarship Program. Winners will be announced between April and July 2025.
These are the semifinalists in San Diego County:
Carlsbad
Army and Navy Academy
Carlsbad High School
Pacific Ridge School
Sage Creek High School
Chula Vista
Olympian High School
El Cajon
Granite Hills High School
Encinitas
The Grauer School
San Dieguito Academy
Escondido
Classical Academy High School
San Pasqual High School
La Jolla
The Bishop's School
La Jolla Country Day School
La Jolla High School
La Mesa
Helix Charter High School
Oceanside
El Camino High School
Poway
Poway High School
Rancho Santa Fe
High Bluff Academy
San Diego
Cal Coast Academy
The Cambridge School
Canyon Crest Academy
Del Norte High School
Francis W. Parker School
Mission Bay High School
Morse High School
Mount Carmel High School
Mount Everest Academy
Rancho Bernardo High School
Scripps Ranch High School
Torrey Pines High School
University City High School
Westview High School
San Marcos
San Marcos High School
Santee
West Hills High School
Solana Beach
Santa Fe Christian School
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Top 4 Home Insurance Providers in San DiegoOur picks for the four best homeowners insurance providers in San Diego are as follows:A.M. Best A J.D. Power 641/1000 Annual Cost $2,673Why We Chose NationwidePros and Cons of NationwideDiscounts and EndorsementsA.M. Best A J.D. Power 789/1000 Annual Cost N/AWhy We Chose Liberty MutualPros and Cons of Liberty MutualDiscounts and EndorsementsA.M. BestA+J.D. Power809/1000Annual Cost$...
Our picks for the four best homeowners insurance providers in San Diego are as follows:
A.M. Best A J.D. Power 641/1000 Annual Cost $2,673
A.M. Best A J.D. Power 789/1000 Annual Cost N/A
A.M. Best
A+
J.D. Power
809/1000
Annual Cost
$1,577
A.M. Best NR J.D. Power NR Annual Cost $2,348
The average cost of homeowners insurance in San Diego is $1,309, slightly lower than the state average of $1,361. Both figures are lower than the national home insurance average of $2,728.
Given California’s vulnerability to natural disasters, homeowners may assume that home insurance companies charge above-average premiums across the state. However, California and San Diego residents pay premiums that range from the low to middle end of the national spectrum.
However, home insurance companies in California typically do not cover the value of a homeowner’s land, only insuring the value of the home itself. Also, standard homeowners insurance does not cover risks such as floods and earthquakes. You must purchase coverage as separate add-ons or policies, which adds to your overall price.
Home insurance rates in California depend on specific risks such as your home’s vulnerability to earthquakes and other factors like dwelling size. In general, the following variables can affect San Diego home insurance rates:
An important note: California is one of a few states that does not allow companies to consider credit history when setting home insurance rates. In most other states, having a higher credit score can result in lower home insurance rates.
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.
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:
Our team surveyed dozens of home insurance providers and created a scoring system to assess and compare each company’s quality and service. Here are the factors that account for our provider scores according to our home insurance rating methodology:
Companies with the best customer service exhibit 24/7 availability, useful digital tools and a quick claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don’t, putting them toward the top of our recommendations to readers.
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