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: June 2, 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 a month for home insurance with $250,000 in dwelling coverage, $125,000 in personal property and $200,000 in liability, which is below the state average of $129 a month. Premiums vary based on your home's age, construction materials, wildfire proximity and deductible.
San Francisco's coastal location adds two risk factors that push premiums higher than most California markets: earthquake exposure from nearby fault lines and flood risk from sea-level rise in low-lying areas. Both increase expected claim payouts for 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 has the lowest home insurance rates in San Francisco at $64 a month, which is 45% below the city average of $116. State Farm ranks second at $75 a month, 35% below the city average, with local agent access and broad coverage options.
| Farmers | $64 | -45% |
| State Farm | $75 | -36% |
| USAA | $94 | -20% |
| Capital Insurance Group | $96 | -18% |
| Nationwide | $97 | -17% |
COMPARE COVERAGE, NOT JUST COST
Rate comparisons need to account for coverage limits, deductibles and customer satisfaction alongside price. The lowest premium doesn't mean the best coverage fit for your property or risk profile. Our guide to the best homeowners insurance companies in California covers top statewide options.
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 insurersSince 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 policiesCompanies 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 featuresInstalling 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?
San Francisco homeowners can cut premiums by bundling home and auto (10% to 25% off), installing a security system (5% to 15% off), upgrading to fire-resistant roofing materials (up to 20% off) 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.