San Francisco Insurance Rates:

San Francisco, CA home insurance is approximately $583 to $791, about $48-$65/month. Our in depth guide reveals consumers can save upto $274 by getting different quotes

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San Francisco Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $1140/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $545,000

2 Beds, 2 Bath 1500 sqft Vacation Property Constructed In 1951 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $2780/12 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $925,000

4 Beds, 4 Baths 2940 sqft Seasonal Residence Constructed In 1950 with Hardwood Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $710/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $635,000

3 Beds, 3 Bath 1610 sqft Vacation Property Constructed In 1943 with Hardwood Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $790/6 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $800,000

4 Beds, 4 Baths 2000 sqft Primary Residence Constructed In 1947 with Linoleum, Membrane Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Single Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $2720/8 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,520,000

3 Beds, 3 Baths 1688 sqft Primary Residence Constructed In 1949 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/1 month for $400,000 Coverage
Tiny 525 square feet 1 Bedroom/1 Bath apartment near Telegraph Hill. The apartment is in a full service building with 24 hour security/doorman. The apartment is worh about $500k with valuables of about $50,000.
Single women working as a freelancer. Earn about $70k/year for the past several years.
Home Insurance Rate of $56/1 month for $230,000 Coverage
Our house is quite ancient & was built in 1966. But, we have been fixing & renovating as time goes on. However, our home insurance rates seem to be based on our original date of construction instead of seeing what we did on the inside.
We are middle aged couple who have been married for 20+ years with 3 kids & dogs.

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San Francisco Rates & Quotes Analysis:

San Francisco Area Estimated House Insurance
Glenbrook Ave, Codman Pl, Clarendon Woods Ave, Mission Rock St, Wheat St, Willard St, Seville St, Lindsay Cir, Josiah Ave, Hoff St$662
Harbor Rd, Marne Ave, Custer Ave, Lakeshore Dr, Dickinson St, Esmeralda Ave, St Josephs Ave, Falmouth St, Walnut St, Jamestown Ave$713
Harriet St, Ankeny St, Rossmoor Dr, Bayview Cir, Detroit St, Lexington St, Stonecrest Dr, Frank Norris St, Excelsior Ave, Pueblo St$730
Congo St, Meda Ave, Amber Dr, Ashbury St, Path St, Terra Vista Ave, Sydney Way, 27th St, Crisp Rd, Foote Ave$708
Walbridge St, Quincy St, Middlefield Dr, McLea Ct, Woodward St, Rey St, Ramsell St, Willow St, Prague, Miguel St$652
Seymour St, Cuba Aly, Delano Ave, Rosa Parks Ln, Ashbury St, Java St, Russia Ave, Hemlock St, Fuente Ave, Rhode Island St$None
Miley St, Bowdoin St, Freelon St, Wayland St, Melrose Ave, Bayview Park Rd, Shafter Ave, Rio Ct, Egbert Ave, Gold St$703
Liebig St, Alice B Toklas Pl, Ord Ct, Romain St, Brotherhood Way, Moulton St, Robblee Ave, Brookdale Ave, Hoffman Ave, Caine Ave$667
Battery Caulfield Rd, Gennessee St, Woolsey St, Corwin St, San Fernando Way, Swiss Ave, Amherst St, Van Buren St, Santa Marina St, Mississippi St$695
Hale St, Bacon St, Marx Meadow Dr, Ford St, Moss St, Prentiss St, Forest Rd, San Carlos St, Galewood Cir, Ralston Ave$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 39,826 Homes (10% of total) built between 1940 to 1949 in San Francisco are paying home insurance between $1,381-$1,391 compared to Bolinas (+$80), Inverness (+$38), Marin County (+$18), Lagunitas-Forest Knolls (-$29) and Point Reyes Station (-$11).
  • Bedrooms: 116,183 2 bedrooms homes (35% of total homes ) in San Francisco are paying about $207 and differs from Bolinas (+$12), Marin County (+$3), Alto (+$10), Lagunitas-Forest Knolls (-$11) and Northwest Marin (-$5).
  • Auto Insurance Bundling: 17,122 Households (13% of all households) in San Francisco have 3 or more vehicles available and when it is bundled with home insurance you can save $171. Discounts for similar bundling in close by locations such as San Francisco County, Bolinas, Stinson Beach come to $171, $181, $181 respectively.
  • Senior Discounts: 61,771 seniors (more than 55 years) occupied housing units (49% of total) in San Francisco get discounts between $102 to $105. The comparative concessions in proximate regions such as San Francisco County, Bolinas and Inverness are $103, $109 and $106 respectively.
  • New Homes discounts: New homes such as the 75,754 homes built between 2000 to 2009 in San Francisco can save $137 and similar new home insurance discounts in nearby towns and cities like San Francisco County, Bolinas and Stinson Beach are $137, $145 and $145 respectively.

San Francisco Homeowners insurance Facts

  • San Francisco, CA has 125,860 owner occupied houses which is 36.9% of all units whereas San Francisco County, Bolinas and Stinson Beach have 36.93%, 62.4% and 70.34% respectively.
  • San Francisco, CA homeowners yearly insurance price at $687 is 0.09% of the typical house value of $750,900 which is in contrast with 0.09% in San Francisco County, 0.07% at Bolinas & 0.07% in Stinson Beach.
  • Homeowners in San Francisco, CA pay 1.83% of their income ($35,000 to $39,999) in insurance whereas homeowners in San Francisco County, Stinson Beach and Inverness pay 1.83%, 1.94% and 1.89% respectively.
  • San Francisco, CA’s insurance is 1.8% of monthly housing costs of $3,229/month, for owners with a mortgage compared to 1.77% in San Francisco County, 1.62% at Bolinas & 2.48% in Stinson Beach. But, for households without a mortgage, insurance is 10.9% of costs ($527 in San Francisco, CA) in contrast with 10.86% in San Francisco County, 9.15% at Bolinas & 8.84% in Stinson Beach.

San Francisco, CA Home Values & Insurance rates

For example, insurance for 4,951 Homes (40.0% of total homes ) valued between $300,000 to $399,999 in San Francisco, CA is about $316. Rates in nearby areas in such as Bolinas, Muir Beach, Marin County are cheaper by $69, $69, $17 respectively while Lagunitas-Forest Knolls and Point Reyes Station are costlier by $33 and $11 respectively for similar homes.

San Francisco, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,122 9.0% $20
$50,000 to $59,999 380 3.0% $41
$60,000 to $69,999 332 2.0% $54
$70,000 to $79,999 258 2.0% $61
$80,000 to $89,999 222 1.0% $75
$90,000 to $99,999 232 1.0% $82
$100,000 to $124,999 678 5.0% $96
$125,000 to $149,999 195 1.0% $123
$150,000 to $174,999 410 3.0% $144
$175,000 to $199,999 401 3.0% $164
$200,000 to $249,999 1,564 12.0% $206
$250,000 to $299,999 1,504 12.0% $247
$300,000 to $399,999 4,951 40.0% $316

Renters Insurance in San Francisco

  • Average Renters Insurance in San Francisco :  $12($1/month)

  • Median Gross Rent in San Francisco :  $1,447

  • San Francisco Renters Insurance to Median Rent Ratio:  0.07%

  • Renter occupied housing units in San Francisco :  214,979

San Francisco Renters Insurance as a Percentage of Rent

San Francisco Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,305 1.0% $303
$200 to $299 8,581 4.0% $753
$300 to $499 11,017 5.0% $1203
$500 to $749 18,121 8.0% $1878
$750 to $999 20,104 9.0% $2628
$1,000 to $1,499 49,625 23.0% $3753
$1,500 or more 99,457 47.0% $5403

Rent Affordability in San Francisco:

Approximately 40.0% (86,719) of households are spending more than 35% of their income on gross rent in San Francisco

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 31,631 14.0%
15.0 to 19.9 percent 28,593 13.0%
20.0 to 24.9 percent 25,446 11.0%
25.0 to 29.9 percent 24,609 11.0%
30.0 to 34.9 percent 17,981 8.0%
35.0 percent or more 86,719 40.0%

Protective device discount in San Francisco Up to :  $1

Claims-free discount in San Francisco Up to :  $2

San Francisco, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94115 $985,500 $730
94127 $916,300 $720
94111 $912,200 $740
94133 $903,200 $740
94117 $883,200 $730
94131 $866,600 $730
94121 $861,500 $720
94108 $827,900 $720
94105 $780,600 $700
94122 $770,100 $710
94110 $750,300 $690
94132 $745,300 $690
94116 $732,100 $700
94107 $725,000 $700
94109 $713,200 $700
94103 $651,300 $680
94112 $610,100 $680
94102 $605,700 $670
94134 $568,200 $670
94124 $485,300 $660
94104 $1,000,001 $750
94114 $1,000,001 $760
94118 $1,000,001 $730
94123 $1,000,001 $730