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Home Insurance in San Francisco, California: Complete Guide

San Francisco, a bustling city known for its iconic landmarks and steep hills, is also located near fault lines, making home insurance essential. Here’s a detailed overview of the costs and factors affecting home insurance in San Francisco.

National vs. San Francisco Home Insurance Costs

The national average cost for home insurance is $1,400 per year, while San Francisco homeowners pay around $1,650 per year due to the city’s high earthquake risk.


Home Insurance Rates by Home Age in San Francisco

Home AgeAverage Annual Premium
0-10 years$1,600
10-20 years$1,650
20-30 years$1,700
30+ years$1,800

Home Insurance Rates by Credit Tier in San Francisco


Cheapest Home Insurance Providers in San Francisco

Here are the most affordable home insurance providers in San Francisco:

  1. State Farm: $1,600/year
  2. Farmers Insurance: $1,620/year
  3. Liberty Mutual: $1,640/year
  4. Allstate: $1,660/year
  5. Progressive: $1,680/year

Home Insurance Rates by Deductible in San Francisco


Types of Homeowners Insurance in San Francisco


Comparing San Francisco to Other California Cities

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