Get San Francisco, CA Home Insurance Rates!

Enter your Zip Code:    
Easily compare up to 12 competitive San Francisco, CA rates all in one place!
Picture of San Francisco, CA

Getting multile quote comparisons from us at for your home in San Francisco, CA is super easy. Our free quoting process allows you to compare up to 12 competitive rates all in one place. Easily save up to 40% or more, get quotes online now or Call 855-976-2656.

Questions about your home in San Francisco:

How many people live in San Francisco?
The total city area population for San Francisco, CA is around 805,235.

How many total housing units?
The total homes in the city of San Francisco is 11,563 housing units.

What is the average San Francisco household income?
The average income in the San Francisco area is around $112,258.

How much do the homes in San Francisco cost on average?
The average cost of a home in San Francisco is estimated to be around $1,023,270.

What do San Francisco homeowners pay on average for home insurance coverage?
Home insurance cost around $1,241 per year on average in the San Francisco area, this average is based on a $200K real estate value with a standard HO-3 policy. We help you compare rates and coverage options so you can review the best rate and policy for your home.

What is a basic home insurance policy in San Francisco cover?
A standard homeowners insurance polciy in San Francisco, CA is commonly known as an HO-3 policy that covers damage from all perils except those that are not covered or excluded from your coverage, exclusions are clearly documented and writting within your policy. For example, flood or earthquake coverage is not part of a standard HO-3 policy.

I live in the old part or historical district of San Francisco, can I get insurance for my home?
Older homes in San Francisco can be covered, your agent will shop policies under the HO-8 policy guidelines which will allow you to review multiple quotes from carriers that specialize in insuring older houses.

From the questions above, you can understand that a San Francisco homeowners insurance policy can be complicated. We are here to help you shop the best home insurance prices and answer any questions you have about which homeowners policy is best for you. Get San Francisco home insurance rate quotes today!

Compare Homeowners Insurance Rates in San Francisco, CA!

Enter your Zip Code:    

Get up to 12 competitive San Francisco, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive San Francisco, CA rates all in one place!

Servicing San Francisco, California Home Insurance Quotes & Coverage

The carriers we offer for California homeowners have an "A+" A.M. Best rating and our San Francisco agents have been working with these carries since 2007. Our insurance experience provides the best service when it comes to working with you so we can provide a coverage plan that works best for you. Our California customers value our service and depend on us to help them with all of their insurance needs, that also includes auto and life insurance as well. As a homeowner in California shopping for online rates and coverage options can be a confusing task, that's why working with our San Francisco, CA agent will give you the outstanding service you need to find the coverage you can understand and afford. Our top rated carriers include Farmers, Safeco, First American, Travelers, Liberty Mutual, Chubb, Foremost, Pacific Select Property and many more. Because we know that homeowners insurance is not always about the lowest price, it's important to find affordable coverage that you know and trust. Take advantage of our online services and let us help you find the San Francisco, CA insurance coverage that you need. Submit an online home insurance quote today!

Average Rates Nearby San Francisco

Are you looking for homeowners insurance in a city near San Francisco? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in San Francisco, CA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in San Francisco.

94102,     94103,     94104,     94105,     94107,     94108,     94109,     94110,     94111,     94112,     94114,     94115,     94116,     94117,     94118,     94121,     94122,     94123,     94124,     94127,     94129,     94130,     94131,     94132,     94133,     94134,     94158,     

San Francisco, CA Home Insurance Average Premiums

Local San Francisco, CA home insurance quotes comparison

$697 /yr.

Shows San Francisco's lowest average rates with discounts applied.

For the city of San Francisco, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$697 /yr.
Average Coverage:$947 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1247 /yr.

What is the average home insurance cost for a home in San Francisco, CA?

  • • The average homeowners insurance premium paid annually for a home in San Francisco is around $947 per year.

What does it cost on average per month for home insurance in San Francisco, CA?

  • • Homeowners in San Francisco pay an average cost per month around $79.00 for insurance coverage.

San Francisco, CA Coastal Wind, Hail & Flood Information

San Francisco is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of San Francisco is know for it's beautiful beaches and waterways. Because San Francisco County (FIPS: 6075) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in San Francisco, CA.

San Francisco, CA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $1,289,044 $1,420,229
February $1,279,956 $1,432,486
March $1,278,142 $1,449,074
April $1,274,138 $1,463,238

Homeowners insurance will help cover the cost to repair or replace your San Francisco home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in San Francisco
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive San Francisco, CA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive San Francisco, CA rates all in one place!

Saving Money Tips on San Francisco Home Insurance

A great way to save money on San Francisco homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the San Francisco area? Check out what homeowners are paying on average for California homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
146 ft. This is the average home elevation in San Francisco, CA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as San Francisco, California.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in San Francisco, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in San Francisco County.

California Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When ran the numbers, Oklahoma was the most expensive […]

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

San Francisco, CA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in San Francisco so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in San Francisco, CA?

- The average square footage in San Francisco is around 1,953 Sq. Ft. which would cost you around $1,023,270 to replace the home if you base the home on the price to build per square foot of $524.

Minimum Replacement Cost Total: $1,023,270

Location: San Francisco, California (San Francisco County)

Average Building Cost Per Square Foot in San Francisco: $524 (low end)

Average Square Footage in San Francisco: 1,953 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$524$1,023,270
Some Additional Upgrades$655$1,279,088
Major Home Updates or Advancements$786$1,534,905

The dwelling coverage is calculated by the average cost per square foot ($524) in San Francisco, California times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $1,637,500 (Media price to build of $655 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.