Best Homeowners Insurance in San Francisco 2022

Compare our carrier scores and average annual premiums to find the best San Francisco homeowners insurance companies, see how different coverages affect premiums, and learn ways to save.

Lemonade: Lemonade offers a completely online experience to quote, buy, and maintain home and other insurance products. Homeowners in San Francisco can customize their home insurance with endorsement add-ons like swimming pool coverage, water backup, scheduled personal property, buried utility line coverage, and extended replacement cost on dwelling coverage.

USAA: USAA offers home and other insurance products to present and past military members and their immediate families. USAA’s homeowners policy provides coverage for military uniforms and offers replacement cost on belongings instead of the depreciated value. San Francisco homeowners can also include optional coverage for earthquakes.

Amica: Besides standard home coverages, Amica offers add-ons like water backup and replacement cost on personal property. Homeowners can also opt for its Platinum Choice Home Coverage, which offers these features plus increased limits on certain coverages like computers, credit cards, and valuables in one package.

Allstate: Allstate offers San Francisco homeowners the option to tailor home insurance with endorsements such as ID theft restoration, electronic data recovery, and green improvement reimbursement for energy-efficient repairs after a claim. You can use its Premium Gauge tool on the Allstate website to see how different factors affect your premium.

State Farm: With State Farm, policyholders can choose to work in-person with a State Farm agent or manage their policies online. State Farm also offers a plug-in device that monitors your home’s electrical system for fire hazards. There are also a number of discounts available, including for bundling your home and auto policies.

Nationwide: Besides the standard homeowners coverages, Nationwide offers extras like earthquake coverage, water backup, identity theft, and increased coverage for high-value items like antiques and jewelry. There is also its Better Roof Replacement, which pays to use what Nationwide considers stronger materials when your roof is rebuilt or repaired after a covered claim.

Liberty Mutual: Like many other national carriers, Liberty Mutual offers San Francisco homeowners standard coverages and a notable list of discounts to save on home insurance. There are optional coverages like personal property replacement cost, backup of sewer and drains, and inflation protection, which increases coverage limits automatically each year for inflation.

Chubb: Chubb’s standard homeowners policy includes complimentary services like a risk consultant to evaluate the home and other assets. It includes HomeScan to detect potential hazards, and Chubb Wildfire Defense Services to alert homeowners and mitigate potential damage. Its standard policy also includes water backup and replacement cost coverage.

Progressive: With Progressive, you can compare San Francisco home insurance quotes with other companies on its website. Progressive is also the only company in our rating to sell policies issued by other insurance companies in addition to its own policies.

Farmers: Farmers offers its Smart Plan Policy in three tiers: Standard, Enhanced, and Premier. Its Enhanced Smart Plan policy includes standard coverage plus increased coverage limits and replacement cost on the home and contents, which may make it a better fit for some homeowners.

Earthquake coverage can also be purchased through a Farmers agent.

How much homeowners insurance in San Francisco costs depends on several factors, including coverage types and limit amounts, the policy deductible, the insuring company, and personal characteristics like your age and claims history. To give you an idea of how much San Francisco home insurance may cost, we gathered data from the carriers detailed above.

The first table outlines different average annual premiums for dwelling amounts of $200,000, $300,000, $400,000, and $500,000 and $100,000 of liability coverage. The dwelling amount is for the home structure itself and not the home value. The second table shows the same dwelling amounts with $300,000 in liability coverage.

There are several ways to save money on homeowners insurance in San Francisco. For instance, only purchase needed coverages at limits that make sense for your home. Bundling home and auto will usually provide a multipolicy discount, as does having protective devices like fire and burglar alarms. Some carriers offer a claim-free discount if you go a certain number of years without filing a claim. Raising your deductible will lower your premium, but be sure you can afford the higher deductible if you have to file a claim.

To find the right home insurance company for you in San Francisco, consider your coverage needs, then shop for quotes with different carriers to compare available coverages and pricing. By knowing your coverage needs, you can narrow down the right company faster by finding one with your desired coverages and add-on features. For example, if you need to add water backup or coverage for valuable possessions you own, such as jewelry or other collectibles. Some homeowners may find replacement cost on dwelling and personal property to be worth considering.

A standard homeowners insurance policy in San Francisco covers repairs or replacement of items and materials damaged on the dwelling and replacement of damaged personal property after a covered loss. It also provides coverage for liability if a household resident accidentally injures someone or damages their property, and medical payments for other non-household members. Loss of use– sometimes called additional living expenses– is also included, which pays for temporary housing and other associated costs if your home is uninhabitable while being repaired after a covered loss.

A standard home insurance policy doesn’t cover damage from floods or earthquakes, but you can buy a separate insurance policy for either in California. If an earthquake or flood waters damage your San Francisco home, there’s no coverage without a separate policy in place.

Flood insurance provides specific coverage limits for the dwelling and contents of the home. Many insurers offer flood insurance through the National Flood Insurance Program (NFIP) and may offer private flood insurance, though coverages and exclusions may differ by carrier. To find your property’s flood risk, enter your address in FEMA’s Flood Map Service Center. This information, along with your coverage needs, will determine the cost of flood insurance for your home. The more likely your home will flood, the higher your premium will be.

In San Francisco, insurers who partner with the California Earthquake Authority can offer earthquake insurance with the same standard coverages a homeowners policy provides, including the cost of necessary repairs to protect your home after earthquake damage. Some special limits or exclusions may apply, depending on the carrier and policy.

To get more information on purchasing an earthquake or flood insurance policy, contact your insurance agent or company.

Yes* denotes that the coverage is available for purchase through the insurer, but the insurance may ultimately be from an external program, such as the NFIP (flood), CEA (California Earthquake Authority), or another partner (ie. Palomar for Lemonade Earthquake).

No* denotes that, while a company does not participate in the NFIP, customers can enroll and report claims to agents and/or directly to the NFIP.

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.

For more information on Homeowners Insurance please visit our other guides:

At U.S. News & World Report, we rank the Best Hospitals, Best Colleges, and Best Cars to guide readers through some of life’s most complicated decisions. Our 360 Reviews team draws on this same unbiased approach to rate the products that you use every day. To build our ratings, we researched more than 24 homeowners insurance companies and agencies and analyzed 15 third-party review sources. Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. All sample products provided for review are donated after review. In addition, we maintain a separate business team that has no influence over our methodology or recommendations.

For this study, U.S. News worked with Quadrant Information Services to analyze a report of publicly available insurance rates using all the available ZIP codes in San Francisco for the insurance companies in our rating of the Best Homeowners Insurance Companies of 2022 that operate in that state. The insurance rates in our study are based on sample rates for a 47-year-old, married applicant household with a 728 FICO credit score. The rates were obtained for a HO3 policy covering a wood frame house with 10% Other Structures Coverage, 20% Loss of Use Coverage, 50% Personal Property Coverage, and a guest medical limit of $5,000.

Our goal is to empower consumers with the information and tools they need to make informed decisions. More information about our 360 Reviews methodology for evaluating homeowners insurance companies is here.