San Francisco ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the San Francisco, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in San Francisco, CA is $1511. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in San Francisco, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in San Francisco, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $604 |
| $200,000 | $1,027 |
| $300,000 | $1,269 |
| $400,000 | $1,934 |
| $500,000 | $2,433 |
Home insurance costs in San Francisco can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 094115 | $1,513 |
| 94127 | $1,526 |
| 94111 | $1,438 |
| 94133 | $1,486 |
| 94117 | $1,505 |
| 94131 | $1,500 |
| 94121 | $1,511 |
| 94108 | $1,426 |
| 94105 | $1,487 |
| 94122 | $1,451 |
| 94110 | $1,449 |
| 94132 | $1,435 |
| 94116 | $1,439 |
| 94107 | $1,427 |
| 94109 | $1,435 |
| 94103 | $1,387 |
| 94112 | $1,401 |
| 94102 | $1,389 |
| 94134 | $1,380 |
| 94124 | $1,368 |
| 94104 | $1,623 |
| 94114 | $1,531 |
| 94118 | $1,535 |
| 94123 | $1,623 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in San Francisco, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,549 |
| $1000 Deductible | $1,386 |
| $1500 Deductible | $1,307 |
| $2500 Deductible | $1,179 |
| $5000 Deductible | $997 |
| Home Insurance Company Near San Francisco, CA | Homeowners Insurance Agency Near San Francisco, CA | Address |
|---|---|---|
| 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 |
| Farmers | Constance Joseph | 1250 45th St Ste 200, Emeryville, CA, 94608 |
| Farmers | Jennifer Lam | 385 9th St Ste 200, Oakland, CA, 94607 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| San Francisco, CA | 1.8% | 10.9% |
| San Francisco County | 1.77% | 10.86% |
| Bolinas | 1.62% | 9.15% |
| Stinson Beach | 2.48% | 8.84% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Francisco | $102 to $105 |
| San Francisco County | $103 |
| Bolinas | $109 |
| Inverness | $106 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Oregon Mutual | 458 |
| 200000 | 500 | New | Encompass | 662 |
| 250000 | 1000 | New | Wawanesa | 696 |
| 250000 | 500 | New | Amco | 462 |
| 250000 | 500 | New | American Modern | 872 |
| 300000 | 500 | New | MAPFRE Group | 747 |
| 400000 | 1000 | New | First American Ins | 962 |
| 500000 | 2500 | New | Stillwater Prop & Cas Co | 549 |
| 750000 | 2500 | New | IDS Property Casualty | 1063 |
| 150000 | 250 | 1-3 Years | Safeco | 565 |
| 200000 | 500 | 1-3 Years | AAA (Interinsurance Exchange) | 437 |
| 300000 | 500 | 1-3 Years | Homesite | 1032 |
| 400000 | 1000 | 1-3 Years | Horace Mann P & C | 1836 |
| 400000 | 1000 | 1-3 Years | Mercury Ins Group | 455 |
| 500000 | 1000 | 1-3 Years | Horace Mann | 2197 |
| 500000 | 2500 | 1-3 Years | First American Ins | 1166 |
| 500000 | 2500 | 1-3 Years | Universal North America | 627 |
| 500000 | 2500 | 1-3 Years | Western Mutual/Residence | 1500 |
| 750000 | 2500 | 1-3 Years | American Modern | 2411 |
| 250000 | 1000 | 4-6 Years | CSE Safeguard | 714 |
| 250000 | 500 | 4-6 Years | Kemper | 999 |
| 300000 | 500 | 4-6 Years | American Modern | 1037 |
| 300000 | 500 | 4-6 Years | American Reliable | 793 |
| 500000 | 2500 | 4-6 Years | Horace Mann | 1953 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $3,800 |
| 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 | |
| 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 |
| Insurance Company | Farmers Insurance | Allstate | Nationwide Insurance |
| Monthly Premium | 88 | 95 | 261 |
| Year Built | 1954 | 1947 | 1940 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $400000-$500000 | $500000-$600000 | More than 10000000 |
| Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible |