San Francisco, CA Homeowners Insurance

Review The Zebra's expert tips on how to find cheap homeowners insurance in the Bay Area.

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How to find cheap homeowners insurance in San Francisco

 
If you want to find cheap home insurance in San Francisco, start by comparing policies. Have a look at the summary below comparing average home insurance premiums in San Francisco to begin your search with as much knowledge as you can. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.

Home insurance is an important part of owning a home. Fire, vandalism, theft, and wind damage are just a handful of the perils from which homeowners coverage can protect your dwelling and other personal belongings. Events like this occur frequently. When paired with the high cost of repairing or rebuilding a house, investing in a comprehensive home insurance policy could be a good idea.

The cost of home 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 influence how 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. Discover more info about what a home insurance policy covers.

 
San Francisco, California, home insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP
  4. Rates by deductible
  5. Insurance bundle discounts

 

Homeowners insurance in San Francisco by company

Homeowners insurance rates in San Francisco vary from one insurance company to another. Mercury offers the most affordable home insurance in San Francisco, at just $542 per year. This compares favorably to 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 HOME INSURANCE COMPANIES IN SAN FRANCISCO
CompanyAverage Annual Rate
Mercury$542
Allstate$662
State Farm$673
Nationwide$729
USAA$750
 

 

Average homeowners insurance prices in San Francisco by coverage levels

How much you spend on home insurance coverage is greatly influenced by the level of coverage you choose. In San Francisco, carrying $200K dwelling coverage costs an average of $544, while carrying additional coverage up to $400K costs $1,239 per year.

 
HOMEOWNERS INSURANCE RATES IN SAN FRANCISCO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$394
$200K Dwelling$544
$250K Dwelling$825
$400K Dwelling$1,239

 

San Francisco homeowners insurance prices by ZIP code

Depending on which part of San Francisco you live in, you could see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically influence your home insurance premium.

To find the most affordable homeowners coverage in San Francisco, look no further than the 94128 area. In the 94128 ZIP code, homeowners policies typically cost just $868 per year — that's $17 less than the San Francisco average. Find the best places to live in San Francisco for cheap home insurance by reviewing the following table.

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

Other areas of San Francisco, it should be noted, face homeowners rates that surpass the city average. The prevalence of property crime, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up area rates. With an annual average premium of $974, 94108 comes in as the priciest 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

 

Homeowners insurance deductibles in San Francisco

One of the many decisions available when shopping for a homeowners policy is where to set your deductible. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. Where you set your deductible can be a major factor in how much you pay for insurance.

In short, a higher deductible means lower insurance costs. Therefore, you may want to think about setting a higher deductible if you aim to lock in lower rates. It's worth calling out that your deductible should only be as high as you can reasonably pay in the case of an actual loss.

Take a look at the typical deductibles offered by insurers and an estimate of average insurance costs.

 
HOME INSURANCE COSTS BY DEDUCTIBLE LEVEL IN SAN FRANCISCO
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$928
$1,000$825
$1,500$783
$2,000$702
$5,000$588

 

A money-saving tip for home and auto insurance in San Francisco: bundling

If saving money is your main concern, it might be worth insuring your home and auto through the same insurance company. Bundling home 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 CAR INSURANCE WITH HOME BUNDLE IN SAN FRANCISCO
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$1,312
Mercury$1,454
Farmers$1,799
State Farm$1,890
Allstate$2,246
 

Find the perfect homeowners insurance policy for you by entering your ZIP code below to compare rates from top companies. 

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.