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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Latest Home Insurance Reviews

Metlife
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.
Allstate
I have had to make several claims on parts of my home, and each check came in the mail very quickly and without hassle.
Travelers
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.

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

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
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

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%
Bolinas1.62%9.15%
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
200000500NewEncompass662
2500001000NewWawanesa696
250000500NewAmco462
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
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 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
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