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Best cheap home insurance in San Francisco in 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best home insurance companies in San Francisco
Californians are having a hard time securing home insurance coverage, and San Francisco is no exception. Some of the largest home insurance providers in the state have either stopped writing or seriously scaled back the number of policies they’re willing to write in California. Although San Francisco’s position along a peninsula helps shield it from some of the worst of California’s blazing wildfires, the city still has a high chance of getting hit with a damaging earthquake in the next 30 years.
Limited provider availability, coupled with added risk, can make finding Bay Area home insurance difficult. But, Bankrate’s insurance editorial team researched which companies are still writing new policies here. According to our research, USAA, Chubb and Mercury offer some of the best home insurance in San Francisco.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why USAA made our list: USAA is only available to qualifying members of the military and their family members. Although its strict eligibility requirements preclude it from official J.D. Power ranking, USAA consistently receives high scores for customer and claims satisfaction. Its default home insurance policies are robust, with replacement cost coverage pre-included and free access to the USAA Wildfire Response Program. Earthquake coverage is also available.
Why USAA may be the best for customer service: USAA tied for the Best Home Insurance Company Overall Bankrate Award for the fourth year in a row, due in part to its high J.D. Power scores and superior AM Best rating for financial strength.
| Bankrate Score | 4.8 |
| J.D. Power | 737/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Chubb made our list: Chubb gears many of its insurance products toward more expensive homes, and has the financial strength ratings to back up its sky-high coverage limits. Chubb boasts an A++ (Superior) rating from AM Best and an AA from Standard & Poor’s, indicating that the company has a strong likelihood of making good on its policyholders’ insurance claims.
Why Chubb may be the best for high-value homes: Chubb was awarded the 2025 Bankrate Award for Best Home Insurance Company for High-Value Homes. Chubb could be a great fit for San Francisco homeowners with expensive homes looking for no-corners-cut home insurance coverage. With Chubb, policyholders can access complimentary risk consulting and a cash settlement option in the event of a covered total loss, plus replacement cost coverage comes standard (unlike most other carriers).
| Bankrate Score | 4.6 |
| J.D. Power | 677/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Mercury made our list: Mercury is a regional insurance company that offers home insurance in 10 states, California among them. Although it is a smaller company, it is one of the top 10 insurers in the state by market share. Mercury’s base policy comes with a 150 percent extended replacement cost dwelling coverage, along with identity theft protection.
Why Mercury may be the best for working with a local agent: Mercury has four different offices throughout San Francisco in the Pacific Heights, Outer Sunset, Duboce Triangle and Soma neighborhoods. Having a dedicated, in-person home insurance agent could be a plus for homeowners who prefer to manage their policy at an office as opposed to on their computer or phone.
| Bankrate Score | 3.6 |
| J.D. Power | 575/1,000 |
| AM Best Rating | A |
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78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in San Francisco
San Francisco is already an expensive city, and homeowners may not want to spend an arm and a leg on their home insurance premiums. Below, we’ve compiled the cheapest home insurance companies in San Francisco for a variety of dwelling limits. Keep in mind that, when it comes to the best home insurance in the Bay Area, a higher dwelling limit will usually result in a higher premium.
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|---|---|---|
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$58
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$694
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$62
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$747
|
|
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Armed Forces
|
$69
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$832
|
|
$98
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$1,172
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|---|---|---|
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$64
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$767
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$67
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$810
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Armed Forces
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$80
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$961
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$108
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$1,297
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|---|---|---|
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$76
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$915
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$77
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$929
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Armed Forces
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$103
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$1,234
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$130
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$1,560
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|---|---|---|
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$116
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$1,389
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$121
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$1,453
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Armed Forces
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$175
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$2,106
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$213
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$2,551
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Compare home insurance rates
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is home insurance in San Francisco, California?
The average cost of San Francisco home insurance is $1,567 per year for $300,000 in dwelling coverage. This is about 5 percent less than the California average of $1,641 per year. Both numbers seem low in comparison to the national average of $2,424, especially considering the high level of wildfire risk.
California law prevents insurers from raising rates in excess of 7 percent, which locks premiums in at a lower level. While this may seem like a bonus to homeowners, it contributes to the ongoing insurance crisis in California. Since companies can’t always raise rates to a level that accurately reflects the risk of insuring a California home, many insurers (like State Farm, Allstate, Farmers, Nationwide and Travelers) have chosen to drastically limit the number of new policies written in California — or stop writing new policies altogether.
Like auto and life coverage, not only can you tailor a home insurance policy to suit your needs, but your personal details can also influence the overall cost of your policy. Insurers consider factors like the age of your home and the deductible you choose, as well as if you've filed claims previously.
San Francisco rates by home age
San Francisco’s beautiful old Victorian homes are part of what gives the city its charm — but they could also be more expensive to insure. In fact, U.S. Census data shows that more than half of San Francisco homes were built before World War II. Older homes typically result in higher home insurance premiums: If a home is built with harder-to-source materials, it could cost an insurer more if the home is deemed a total loss. To account for this potential extra cost, insurers tend to charge higher home insurance rates to older homes.
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$1,114
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$1,117
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$1,091
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$896
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$590
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$950
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$959
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$924
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$821
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$704
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Armed Forces
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$1,133
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$1,200
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$1,224
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$1,110
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$665
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$1,476
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$1,482
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$1,497
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$1,418
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$997
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Auto Club
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$1,335
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$1,384
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$1,359
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$1,297
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$1,166
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San Francisco rates by deductible amount
When considering ways to lower your rates, raising your deductible may be an option, but it might be best to reserve this tactic as a last resort. Your deductible is the amount of damage you agree to cover out of pocket in the event of an approved claim. In general, the higher your deductible, the lower your premium.
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$663
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$588
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$501
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$690
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$690
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$609
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Armed Forces
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$832
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$718
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$652
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$1,080
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$994
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$780
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Auto Club
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$1,248
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$1,215
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$1,148
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Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
