San Francisco, CA Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
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
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
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Francisco | $102 to $105 |
| San Francisco County | $103 |
| Bolinas | $109 |
| Inverness | $106 |
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
| 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 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 ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 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 |
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 |
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
AllstateI would definitely recommend using them. The customer service is wonderful and the payments are cheap! I wouldn't go anywhere else.
AllstateI would strongly recommend AllState for home insurance, this they offer a solid customer service, and has good coverage as well as prices.
Liberty MutualLiberty 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 FarmI 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 InsuranceWestfield 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.
TravelersOverall, 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 InsuranceI 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.
GeicoGeico 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.
TravelersI 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 FarmThe policy offerings from State Farm fit our needs. They have always had the exact plans that we need for our home and our belongings.
Progressivethey offered "first month free premium" and claiming percentage is more than that other insurance
NationwideRated 4 strictly due to premiums. The company is very prompt with claims and the local agents are very helpful to their customers.
MetlifeThe customer service is very good. always friendly and patient. they seem to be able to take the time to help you
State FarmI 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 MutualI 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.
AllstateI have had to make several claims on parts of my home, and each check came in the mail very quickly and without hassle.
TravelersI 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 MutualThey 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 FarmI like the prices of State Farm and the amount of coverage they provide. Their coverage feels comprehensive and beneficial.
TravelersThey 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 FarmThe 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.
MercuryI'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 MutualOverall they provide good services- good coverage for a reasonable price and positive customer service experiences when calling them
State FarmHave had all positive experiences. I was referee by a family member and would refer others.
ProgressiveI 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.
Geicoits a very good company and they seem to care about their customers
Fremont Home Insurancehave 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 FarmThey 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.
AllstateOverall, 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.
AllstateI 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!