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.

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Home Insurance Rates by Home Age in San Francisco

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

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Home Insurance Rates by Credit Tier in San Francisco

• Excellent Credit (750+): $1,500/year
• Good Credit (700-749): $1,600/year
• Fair Credit (650-699): $1,700/year
• Poor Credit (Below 650): $1,900/year

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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

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Home Insurance Rates by Deductible in San Francisco

• $500 Deductible: $1,800/year
• $1,000 Deductible: $1,650/year
• $2,000 Deductible: $1,500/year
• $5,000 Deductible: $1,350/year

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Types of Homeowners Insurance in San Francisco

• HO-3 (Special Form): The most common form of coverage, protecting your home and personal belongings.
• HO-4 (Renters Insurance): Provides coverage for renters’ personal property and liability.
• HO-6 (Condo Insurance): Ideal for condo owners.
• HO-5 (Comprehensive Form): Best for high-value homes, offering broader coverage.
• Earthquake Insurance: Essential for homes in the San Francisco area.
• Flood Insurance: Recommended for homes located in flood-prone areas.

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Comparing San Francisco to Other California Cities

• Los Angeles: In comparison, Los Angeles home insurance costs $1,600/year. Learn more about Los Angeles.
• San Diego: Homeowners in San Diego pay around $1,400/year for home insurance.
• San Jose: San Jose homeowners pay approximately $1,550/year, making it slightly cheaper than San Francisco.