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.
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 |
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 |
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 |
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 |
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 | $730 |
Coverage ($) | 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 |
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 |