Best San Francisco Homeowners Insurance Quotes (2025)

San Francisco homeowners pay an average of $1,946 annually for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible, which is slightly lower than the state average.

San Francisco can have hundreds of earthquakes in a given year, though most of these are small.1 Standard home insurance policies don’t typically cover earthquake damage, so you’ll likely want to purchase an add-on for earthquake coverage.

Here’s what you should know about finding home insurance in San Francisco.

Best home insurance companies in San Francisco

San Francisco has many home insurance companies to choose from. Each company has its own rates and benefits for homeowners. The best home insurance company for you depends on your unique situation, including coverage needs, home value, and claims history.

Best company for low-cost coverage: Allstate

Best company for financial stability: Farmers

Best company for customer satisfaction: Automobile Club (AAA)

Cheapest home insurance companies in San Francisco

Your insurance rates will vary depending on your ZIP code, your claims history, and your home’s age, condition, and value. The best way to find cheap home insurance is to compare quotes from multiple insurance companies.

Here are the cheapest home insurance companies for San Francisco homeowners. The average annual premiums below reflect costs for a policy with $300,000 in dwelling coverage and a $1,000 deductible.

How much is home insurance in San Francisco?

The average cost of homeowners insurance with $300,000 in dwelling coverage in San Francisco is $1,946 per year with a $1,000 deductible and $2,029 per year with a $500 deductible. 

Remember that these are just averages, and several factors will affect the cost of your home insurance, including the coverage amount you’re seeking.

Cost of home insurance by dwelling coverage in California

Dwelling coverage is one of the main types of home insurance coverage. A higher level of dwelling coverage will lead to higher premiums. Generally, a more expensive home requires more coverage than a more affordable one.3

Here’s a look at the average cost of home insurance in California by dwelling coverage limit for a home insurance policy with a $1,000 deductible.

Cost of homeowners insurance by deductible amount

Homeowners policies typically have a deductible, which is the amount you pay out of pocket before insurance pays out. Common deductibles for home insurance are $500 and $1,000, though some companies may offer more flexible deductible options. Having a higher deductible usually results in lower premiums.

Compare average annual premiums by deductible amount for a home insurance policy with $300,000 in dwelling coverage below.

Average cost of home insurance in other cities in California

Homeowners in different cities — even different ZIP codes within the same city — have different average home insurance rates. Factors like your home’s proximity to fire stations, the crime in your ZIP code, and the weather in your area can affect your home insurance rates in California.

Below, you can compare average annual premiums for different California cities.

What to know about owning a home in San Francisco

If you want to buy a home in San Francisco, you should understand a couple of the factors in the city that can affect homeownership and home insurance costs:

San Francisco home insurance FAQs