San Francisco Insurance Rates:

San Francisco, CA homeowners insurance is approximately $583 to $791, about $48-$65/month. Our in depth guide reveals consumers can save upto $274 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Average Home Insurance Cost in San Francisco

Are you a San Francisco homeowner concerned about the cost and coverage of your home? We understand that choosing the right home insurance in Los Angeles, CA, can be confusing, but there's no reason to worry. Homeowners insurance is an extremely valuable investment. Along with saving your building and personal belongings, it protects you financially against disasters like fire, flooding, and theft. The average rate of homeowners insurance in San Francisco, CA, is $2419. It is also important to maintain a consistent budget to ensure that you can replace damaged items quickly and pay for expensive repairs.

The cost of insurance is high when compared to other cities in California. Therefore, VHome, through its research, has gathered information that can help reduce the cost of homeowners insurance in San Francisco, CA.

A few of them are:

a. Claims History

One way to avail discount on the premium is by displaying a zero claim history. Homeowners in San Francisco must avoid filing claims for minor problems. The insurance providers endure the loss whenever a homeowner files a claim. Therefore, insurance providers offer exclusive discounts with zero claims. A policyholder with one or two claims pays a higher premium. For instance, homeowners in San Francisco with zero claims pay $2080.34, whereas homeowners with one or two claims pay $2564.14 and $2757.66 on homeowners insurance.

Refer to the chart below to understand the insurance cost based on the claims history.


b. Materials Used

Home insurance in San Francisco, CA, can be reduced by utilizing damage-free materials while building your home. Adding advancements such as hail-resistant roofing, storm shutters, and fire-resistive brick can get you a discount on the insurance cost. Homeowners in San Francisco who have used masonry and superior brick to build their homes pay $2298.05 and $2201.29, respectively.

c. Type of Deductible

Homeowners in San Francisco paying a high-deductible plan can lower their premiums and make it even easier for them to protect their homes. If a severe storm or fire damages your home, pre-set funds in your savings account can cover up to the remaining balance to help cover repairs, replacement value, or rebuilding costs. Homeowners can customize their home insurance policy by selecting a deductible that works for them. For instance, policyholders who opt for a deductible of 500 pay on home insurance $2389.97, whereas homeowners who opt for a high deductible of 2500 pay $1736.84.

The Best Home Insurance Companies in San Francisco, CA

Homeowners in San Francisco, CA, pay home insurance rates of $583 to $791. San Francisco homeowners have to consider different factors such as quote value, add-on policies, claims processing speed, and customer service to choose the best home insurance companies. Below are the top 5 home insurance companies in San Francisco, CA, by market share.


State Farm

State Farm is a well-renowned home insurance company in California occupying a market share of 17.56%. The home insurance company has written direct premiums worth $1,469,169 and earned direct premiums worth $1,405,885. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims of current San Francisco policyholders. It holds a customer satisfaction score of 4/5 based on the feedback collected from policyholders by J.D. Power.


Farmers is second in California in terms of market share, with 15.97%. The total value of direct premiums written and earned by Farmers is $1,335,894 and $1,293,054, respectively. It has received a financial strength rating of A+ from A.M. Best for its superior financial ability to grant claims of current policyholders. Based on the feedback curated by J.D. Power, Farmers has a customer satisfaction score of 3/5.


CSAA is another major player in the home insurance segment occupying a market share of 6.51%. CSAA has direct premiums written and earned with a total value of $544,788 and $527,552, respectively. CSAA has an excellent financial ability for granting potential claims, with an A rating by A.M. Best. J.D. Power has awarded CSAA with a rating of 3/5 on customer satisfaction.

Liberty Mutual

According to NAIC data, Liberty Mutual holds a market share of 6.24% in California. The home insurance company has direct premiums written worth $521,782, and direct premiums earned worth $501,655. A.M. Best rated Liberty with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty received a score of 3/5 from J.D power.


Allstate has a market share of 5.91% with direct premiums written worth $494,685, and direct premiums earned worth 488,052. Allstate has the superior financial ability in granting potential claims of current San Francisco policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

San Francisco, CA Homeowners Insurance By Home Value

San Francisco, CA Home Value Total Homes % of Total Average San Francisco, CA 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

Top Home Insurance Agents Near San Francisco, CA

Home Insurance Company Near San Francisco, CA Homeowners Insurance Agency Near San Francisco, CA Address
Farmers Constance Joseph 1250 45th St Ste 200, Emeryville, CA, 94608
Farmers Jennifer Lam 385 9th St Ste 200, Oakland, CA, 94607
Liberty Mutual Independent Mitchell & Mitchell Ins Agy Inc 250 BEL MARIN KEYS BLVD STE E1, NOVATO, CA, 94949
Farmers Robert Roland 775 Baywood Dr Ste 304, Petaluma, CA, 94954
Travelers Sst Insurance Brokers Inc 446 West Napa St, Sonoma, CA, 95476

San Francisco, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near San Francisco, CA

Streets in San Francisco Area Homeowners Insurance Cost
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

San Francisco, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Francisco$102 to $105
San Francisco County$103

San Francisco, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
San Francisco County, California $86 $114 $171
Bolinas CCD, Marin County, California $91 $121 $181
Stinson Beach CDP, California $91 $121 $181

San Francisco, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
San Francisco, CA1.8%10.9%
San Francisco County1.77%10.86%
Stinson Beach2.48%8.84%

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

San Francisco, CA Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby San Francisco For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000500NewOregon Mutual458
250000500NewAmerican Modern872
300000500NewMAPFRE Group747
4000001000NewFirst American Ins962
5000002500NewStillwater Prop & Cas Co549
7500002500NewIDS Property Casualty1063
1500002501-3 YearsSafeco565
2000005001-3 YearsAAA (Interinsurance Exchange)437
3000005001-3 YearsHomesite1032
40000010001-3 YearsHorace Mann P & C1836
40000010001-3 YearsMercury Ins Group455
50000010001-3 YearsHorace Mann2197
50000025001-3 YearsFirst American Ins1166
50000025001-3 YearsUniversal North America627
50000025001-3 YearsWestern Mutual/Residence1500
75000025001-3 YearsAmerican Modern2411
25000010004-6 YearsCSE Safeguard714
2500005004-6 YearsKemper999
3000005004-6 YearsAmerican Modern1037
3000005004-6 YearsAmerican Reliable793
50000025004-6 YearsHorace Mann1953

San Francisco, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly San Francisco Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,800$8,300
Net Savings to San Francisco Home Owner from High Deductible Plan $500

San Francisco, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Francisco, CA Home Replacement Value MORE than Home Value San Francisco, CA Home Replacement Value LESS than Home Value
Replacement Value $1,081,000 $671,000
Insurance Premium based on Replacement Value $3,350 $2,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $261,000 Risk Exposure from Under Insuring Coverage is $149,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $825/year

Example San Francisco Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAllstateNationwide Insurance
Monthly Premium 8895261
Year Built 195419471940
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $400000-$500000$500000-$600000More than 10000000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for San Francisco, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 770,000 Slate Shingles Roof 2,370 3 $500 Deductible 910 5 Brick siding yes
1959 860,000 Slate Shingles Roof 2,210 3 $500 Deductible 1580 8 Stucco siding yes
1957 710,000 Shingles Roof 1,840 4 $5000 to $10,000 Deductible 80 1 Vinyl siding yes
1952 395,000 Tile Roof 1,220 2 $5000 to $10,000 Deductible 290 4 Brick siding No
1941 1,005,000 Metal Roof 2,640 4 > $10,000 Deductible 940 9 Fiber-Cement Siding No
1946 740,000 Composition Roof 2,500 4 $2500-$5000 Deductible 430 3 Fiber-Cement Siding No
1950 870,000 Slate Shingles Roof 2,330 4 $500 Deductible 990 4 Wood siding yes
1948 805,000 Tile Roof 2,510 4 $500- $1000 Deductible 290 2 Brick siding yes
1949 750,000 Shingles Roof 2,540 4 > $10,000 Deductible 890 10 Stone Siding yes
1954 675,000 Wood Shake Roof 1,740 3 $2500-$5000 Deductible 190 2 Stucco siding yes
1955 1,035,000 Slate Shingles Roof 2,670 4 $500- $1000 Deductible 1310 8 Stone Siding yes
1943 915,000 Slate Shingles Roof 2,650 4 > $10,000 Deductible 1460 10 Brick siding No
1958 350,000 Wood Shake Roof 960 2 $5000 to $10,000 Deductible 170 3 Fiber-Cement Siding No
1958 635,000 Metal Roof 1,550 2 $500- $1000 Deductible 290 2 Wood siding yes
1947 520,000 Wood Shake Roof 1,330 2 > $10,000 Deductible 670 9 Brick siding No
1941 885,000 Tile Roof 2,300 4 $500 Deductible 420 2 Vinyl siding yes
1945 710,000 Metal Roof 2,430 4 $5000 to $10,000 Deductible 660 5 Stucco siding yes
1951 480,000 Metal Roof 1,510 2 > $10,000 Deductible 90 2 Fiber-Cement Siding yes
1953 1,025,000 Slate Shingles Roof 3,180 4 $500- $1000 Deductible 1060 5 Brick siding yes
1941 695,000 Metal Roof 1,690 2 > $10,000 Deductible 600 7 Fiber-Cement Siding yes
1948 700,000 Slate Shingles Roof 2,200 4 $5000 to $10,000 Deductible 290 3 Wood siding No
1946 350,000 Wood Shake Roof 990 2 $1000-$2500 Deductible 680 9 Fiber-Cement Siding No
1954 765,000 Composition Roof 1,990 4 $500 Deductible 710 4 Stucco siding yes
1952 700,000 Metal Roof 2,150 3 > $10,000 Deductible 860 9 Wood siding No
1943 705,000 Slate Shingles Roof 2,080 3 $2500-$5000 Deductible 1200 8 Fiber-Cement Siding yes
1957 550,000 Composition Roof 1,990 3 > $10,000 Deductible 850 10 Stucco siding yes
1951 545,000 Wood Shake Roof 1,500 2 $500- $1000 Deductible 1140 8 Brick siding No
1950 925,000 Slate Shingles Roof 2,940 4 $500- $1000 Deductible 2780 12 Vinyl siding yes
1943 635,000 Metal Roof 1,610 3 $2500-$5000 Deductible 710 6 Fiber-Cement Siding No
1947 800,000 Membrane Roof 2,000 4 $5000 to $10,000 Deductible 790 6 Vinyl siding No
1949 1,520,000 Metal Roof 1,688 3 $5000 to $10,000 Deductible 2720 8 Fiber-Cement Siding No

Latest Home Insurance Reviews

I would definitely recommend using them. The customer service is wonderful and the payments are cheap! I wouldn't go anywhere else.
I would strongly recommend AllState for home insurance, this they offer a solid customer service, and has good coverage as well as prices.
Liberty Mutual
Liberty Mutual has been a great company for my needs. I switched from another company to Liberty Mutual but the deductible and built in incentives to be able to pay beforehand to get lower rates is great.
State Farm
I would recommend this company to people who need a big company that is easy to deal with and you know if something happens they will help out.
Westfield Insurance
Westfield is a somewhat local company for us in a nearby big city. They provide good coverage with decent deductibles for a good rate. I haven't had any issues with them and made changing my policy very easy.
Overall, I am happy with the company and the home insurance product. In my way of thinking, the more inconspicuous a company is, the better, and the acid test really comes when claim situations occur.
Farmer's Insurance
I would recommend this company based off the price and the customer service. That's all I can base my recommendation off of since I haven't had to use them for a claim.
Geico is a company that offers a bundle for auto and home insurance. They primarily do their business online and have a website that makes it very easy to compare coverage and obtain coverage.
I do compare their pricing with my auto policy carrier each year but I don't compare the actual coverages. I am mainly concerned about price.
State Farm
The policy offerings from State Farm fit our needs. They have always had the exact plans that we need for our home and our belongings.
they offered "first month free premium" and claiming percentage is more than that other insurance
Rated 4 strictly due to premiums. The company is very prompt with claims and the local agents are very helpful to their customers.
The customer service is very good. always friendly and patient. they seem to be able to take the time to help you
State Farm
I asked my insurance company if they could match the price or offer me some discounts the other insurance companies are offering. they wouldn't. i have all my insurance policies here and i think i should be getting more discounts.
Liberty Mutual
I don't have to worry so much about the possibility of unanticipated damage or accidents that might damage my house, due to fire or other natural occurrences.
I have had to make several claims on parts of my home, and each check came in the mail very quickly and without hassle.
I like their customer service. They are well trained. It seems they are not reading from a manual like most of the customer service. They can give you an answer to your question on top of their head. They are definitely well trained.
Liberty Mutual
They call themselves a mutual insurance company but I thought that meant I was supposed to get money back from them every year but I don't. But everything else is good.
State Farm
I like the prices of State Farm and the amount of coverage they provide. Their coverage feels comprehensive and beneficial.
They cost less overall than the others, their communication is excellent. I like that they seem to be down to earth local people who understand real situations instead of a person at a call center in India making less than minimum wage who doesn't care about resolving the situation or getting back to me on time.
State Farm
The coverage is great and comprehensive. I am satisfied with the customer service and reputation of the company, but I may shop around in the future.
I've been a Mercury Insurance customer for 13 years in a row now. I have always heard of how insurance companies rip people off etc.. Claims processing has never been an issue and they have always been very prompt.
Liberty Mutual
Overall they provide good services- good coverage for a reasonable price and positive customer service experiences when calling them
State Farm
Have had all positive experiences. I was referee by a family member and would refer others.
I would recommend progressive. They are cheaper than other companies in our area and most of what we need to take care of with them can be done on their website. Ease of use and price are wonderful.
its a very good company and they seem to care about their customers
Fremont Home Insurance
have not had a claim, but paying for the insurance monthly has been great. I hope if I ever have a claim, they are as prompt and helpful as they have been thus far.
State Farm
They have a good website that allows me to pay easily and the rates seem to be fair. I also like getting a discount for bundling our auto insurance with them.
Overall, if I had to name something I didn’t like about the company it would be that they are the same as all other ones out there. Nothing special compared to others that makes you just have to pick them.
I would recommend allstate to anyone I know who is looking for home or auto insurance, the prices are great and the people are even better!

How To Make Your San Francisco, CA Home Insurance Cheaper

How Much Does San Francisco, CA Home Insurance Cost?