San Francisco Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable home insurance in San Francisco


A critical consideration for every homeowner should be home insurance. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, homeowners coverage is a solid investment.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more info about the specifics of home insurance coverage.

Finding the cheapest home insurance in San Francisco starts with shopping around and comparing policies. Take a look at the summary below showing average home insurance premiums in San Francisco to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


San Francisco, California, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in San Francisco by insurance company

What you pay for homeowners insurance in San Francisco will depend on the insurance company you get your policy through. The most inexpensive home insurance in San Francisco comes from Mercury, which offers average annual rates of just $542 per year. This is more favorable than the city’s average home insurance premium of $851.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in San Francisco, California.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN SAN FRANCISCO
CompanyAverage Annual Rate
Mercury$542
Allstate$662
State Farm$673
Nationwide$729
USAA$750

Average homeowners insurance costs in San Francisco by coverage level

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. Homeowners in San Francisco who carry $200K in dwelling coverage pay an average of $544 per year, while those with coverage up to $400K pay around $972 per year.


HOMEOWNERS INSURANCE RATES IN SAN FRANCISCO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$544
$400K Dwelling$972

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San Francisco home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what area of San Francisco in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can drastically affect your home insurance rates.

The cheapest home insurance rates in San Francisco are available in 94128. In 94128, the typical home insurance policy costs $868 per year — $-17 less than the citywide average in San Francisco. Find the best places to live in San Francisco for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN SAN FRANCISCO
ZIP CodeAverage Annual Home Insurance Rate
94128$868
94129$890
94188$904

Other areas of San Francisco, however, face homeowners rates that surpass the city average . Fire risks, crime rates, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $974, 94108 comes in as the costliest ZIP code in San Francisco for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SAN FRANCISCO
ZIP CodeAverage Annual Home Insurance Rate
94108$974
94105$967
94103$961



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Looking for a money-saving tip for insurance in San Francisco? Try bundling

If saving money is something you're concerned with, you might purchase insurance for your home and auto through the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. By bundling your policies, San Francisco homeowners could see annual savings of 12% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN SAN FRANCISCO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
GEICO$1,312
Mercury$1,454
Farmers$1,799
State Farm$1,890
Allstate$2,246

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance professional today.


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