San Francisco, CA - Data on Home Insurance Quotes, Rates & Agents
San Francisco, CA Home Values & Insurance Rates
| San Francisco, CA Home 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 |
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 |
Estimated Home Insurance By Street Area Near San Francisco, CA
| 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 |
Savings on home insurance for senior occupied homes
| Place | Savings |
|---|---|
| San Francisco | $102 to $105 |
| San Francisco County | $103 |
| Bolinas | $109 |
| Inverness | $106 |
San Francisco, CA Home Insurance as a % of Housing Cost
| 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 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 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 |
San Francisco, CA Home Insurance Costs With Deductible Scenario
| 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 | |
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 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 |
San Francisco, CA Auto & Home Insurance Bundling Discounts
| Place | 1 Car Bundle Savings | 2 Car Bundle Savings | 3 Car Bundle Savings |
|---|---|---|---|
| San Francisco County, California | $86 | $114 | $171 |
| Bolinas CCD, Marin County, California | $91 | $121 | $181 |
| Stinson Beach CDP, California | $91 | $121 | $181 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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 |