Our rankings of the best home insurance in San Francisco place State Farm at the top with a 4.6 MoneyGeek score out of 5 and rates at $75 monthly, offering reliable local agent support. USAA earned the highest score at 4.9 for military families and veterans but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. USAA, Farmers, Chubb and Nationwide complete our top five.
Best Cheap Home Insurance in San Francisco, California
Updated: February 24, 2026
Advertising & Editorial Disclosure
Compare the Best Home Insurance Companies in San Francisco
| State Farm | 4.58 | $75 |
| USAA | 4.9 | $94 |
| Farmers | 4.5 | $64 |
| Chubb | 4.46 | $159 |
| Nationwide | 4.25 | $97 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for San Francisco Homeowners Insurance
State Farm
Best for San Francisco Homeowners
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.1/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$75Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$94Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
Farmers
MoneyGeek Rating
4.5/ 5
5/5Affordability
4/5Customer Experience
3.6/5Coverage
J.D. Power Customer Satisfaction Score
631/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$64Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does San Francisco Home Insurance Cost?
San Francisco homeowners pay an average of $116 monthly for home insurance with $250,000 in dwelling coverage, $125,000 in personal property and $200,000 in liability, versus the state average of $129. Your premium varies based on your home's age, construction materials, wildfire proximity and deductible choice.
San Francisco's coastal location drives up premiums through earthquake risk from nearby fault lines and flood danger from rising sea levels affecting low-lying areas. These natural disaster risks increase costs because insurers have higher claim payouts from structural damage and water-related losses.
| $100K Dwelling / $50K Personal Property / $100K Liability | $63 | $757 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $116 | $1,397 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $205 | $2,454 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $306 | $3,674 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $409 | $4,912 |
Who Has the Cheapest Home Insurance in San Francisco?
Farmers offers the lowest home insurance rates in San Francisco at $64 monthly, saving homeowners 45% compared to the city's $116 average. State Farm ranks second for affordability at $75 per month, providing a 35% discount from typical San Francisco premiums while keeping strong coverage and local agent support.
| Farmers | $64 | -45% |
| State Farm | $75 | -36% |
| USAA | $94 | -20% |
| Capital Insurance Group | $96 | -18% |
| Nationwide | $97 | -17% |
COMPARE COVERAGE, NOT JUST COST
When comparing home insurance options, San Francisco homeowners should weigh premiums against coverage limits, deductibles and customer satisfaction ratings to make sure adequate protection. The lowest rates don't always provide the best value for your specific needs. Check out our best homeowners insurance companies in California review for top providers in the state.
How to Get the Best Cheap Home Insurance in San Francisco
San Francisco homeowners need to balance affordability with coverage that protects against local risks like earthquakes.
Compare quotes from multiple insurers
Since rates vary widely, you'll want to get quotes from at least three companies. Average premiums range from $64 to $159 monthly among top-rated San Francisco insurers.
Bundle home and auto policies
Companies like Allstate and State Farm provide substantial multi-policy savings when you combine coverage. Most San Francisco insurers offer 10% to 25% off when you bundle policies.
Upgrade your home’s safety features
Installing monitored security systems, smoke detectors, fire sprinklers and storm shutters can qualify you for discounts of 5% to 20% depending on the improvements.
Best Home Insurance in San Francisco: Bottom Line
San Francisco's home insurance costs average $116 monthly, and rates range from $64 to $159 among leading insurers, depending on coverage needs. State Farm offers the best combination of affordability and service at $75 monthly. Farmers offers the cheapest home insurance rates at $64.
San Francisco Home Insurance: FAQ
Common questions for San Francisco homeowners include coverage requirements and reducing insurance costs.
Does home insurance cover wind damage in San Francisco?
Yes, wind damage is covered under standard home insurance. Your policy covers repairs to your roof, siding, windows and other structures damaged by wind, minus your deductible.
What doesn't home insurance cover?
Home insurance doesn't cover earthquakes, flood damage, normal wear and tear and damage from lack of maintenance. San Francisco homeowners near Mission Creek and surrounding neighborhoods or in flood-prone areas should purchase separate flood insurance through the National Flood Insurance Program.
Is home insurance required in San Francisco?
California doesn't legally require home insurance, but mortgage lenders require coverage until you've paid off your loan. Even homeowners without mortgages should keep insurance to protect against financial losses from earthquakes, wildfires and other risks common in the San Francisco area.
What discounts are available for San Francisco homeowners?
Available discounts for San Francisco homeowners include bundling home and auto policies for 10% to 25% off, installing security systems for 5% to 15% savings, upgrading to fire-resistant roofing materials (up to 20% discount), and maintaining a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in San Francisco
We analyzed premium data from Quadrant Information Services for 10 major insurers serving California, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for San Francisco homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits and higher deductibles of $2,500 or $5,000 to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.