How much is homeowners insurance in San Francisco,CA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in San Francisco is $1,150 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,432 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in San Francisco depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Allstate is the cheapest homeowners insurance company in San Francisco with an average annual premium of $1,150 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in San Francisco. Keep reading to learn about the monthly cost of homeowners insurance in San Francisco, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in San Francisco.

Key takeaways

The cost of your homeowners insurance policy in San Francisco can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in San Francisco with an average annual premium of $804.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $285 more, annually for home insurance.

How much is homeowners insurance in San Francisco per month

San Francisco homeowners pay an average of $96 a month, based on our rate analysis. It’s $20 less than the state average of $116 and $119 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in San Francisco may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in San Francisco

In San Francisco, CA, homeowners pay an average of $865 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

How much is homeowners insurance for a $300,000 house in San Francisco

As per rate analysis by Insure.com, homeowners residing in San Francisco typically pay an average of $1,150 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $285 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in San Francisco by company

After evaluating several carriers, Allstate is the least expensive homeowners insurance provider in San Francisco. It’s average annual rate for homeowners in San Francisco is $804.

CSAA Insurance (AAA) holds the second position, while Travelers secures the third spot with an average annual home insurance rate of $941.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in San Francisco and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in San Francisco and their average annual premiums.

Home insurance company	Annual rate
Allstate	$804
CSAA Insurance (AAA)	$887
Travelers	$941
State Farm	$1,125
Mercury Insurance	$1,281
Nationwide	$1,308
Auto Club Enterprises (AAA)	$1,340
Farmers	$1,356
USAA*	$996

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in San Francisco for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.