Renters Insurance in San Francisco, CA

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renters insurance in San Francisco, California

Renters insurance is important if you're renting a house or apartment. It covers your rental unit — and the personal property within it — against a number of perils, including wind, theft, fire, or vandalism. Given the likelihood of these incidents occurring, the affordable price of a renters policy, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

The cost of renters insurance relies on a number of factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your insurance company. In areas prone to events such as fire, lightning, wind, or hail, renters insurance policies may be more expensive to account for the extra risk.

The average annual price of renters insurance in San Francisco is $238.

Finding cheap renters insurance in San Francisco starts with comparing policies. Consult our breakdown of San Francisco, California renters insurance premiums to begin your search with as much background info as possible. Remember: renters insurance costs may vary based on your coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in San Francisco

Renters insurance premiums in San Francisco depend on the insurer you choose. For instance, Fire Insurance Exchange offers the most affordable renters insurance in San Francisco, at just $122 per year. This compares favorably to the city's average cost of $238, providing a $116 price cut.

Start your search for a renters insurance policy by reviewing the cheapest companies in San Francisco.

CompanyAverage Annual Rate in San Francisco
Fire Insurance Exchange$122
State Farm$134
California Automobile$155

San Francisco renters insurance pricing by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In San Francisco, the difference in annual premium between these two tiers is about $95. If you can afford the up-front expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Rate in San Francisco
$25K Property$190
$50K Property$285

Tip: bundle your auto and renters insurance policies in San Francisco

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same company. Bundling renters and car insurance in San Francisco can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 3.5% on car insurance rates. The auto insurance company with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

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