Updated: November 24, 2024
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In San Francisco, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you.
Choosing the best cheap home insurance depends on factors like coverage amount, customer service and price, based on your needs.
Best HomeInsuranceSan FranciscoTable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in San Francisco, ensuring our picks are reliable.
In San Francisco, the rates for home insurance represent the most competitive estimates as of September 2024.
MoneyGeek found that Allstate is the option in San Francisco, California, for 100K dwelling coverage, with a MoneyGeek score of 83 out of 100. The scores for home insurance companies in San Francisco, California, range from 42 to 86. These figures reflect MoneyGeek's scoring system, where insurers receive different scores based on factors like credit history or the age of your home.
| Allstate | 83 | $353 |
| Farmers | 82 | $387 |
| Travelers | 79 | $479 |
| State Farm | 70 | $607 |
| Chubb | 62 | $782 |
| Nationwide | 56 | $750 |
| Capital Insurance Group | 42 | $680 |
MoneyGeek found that Allstate is the best option in San Francisco, California, for $100K dwelling coverage. The two best overall home insurance companies in San Francisco for $100K dwelling coverage are:
Allstate stands out as the best home insurance provider due to its balance of affordability and customer satisfaction. In San Francisco, various companies offer different costs and services, so while cost is important, also consider customer service quality and claims handling for a complete insurance experience.
Allstate scores high on affordability and satisfaction, making it a top choice. It offers comprehensive home insurance with cyber event / ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle, which lets you save up to 25% by combining home and auto policies, and responsible payment for paying on time.
Allstate's cyber event / ID theft coverage helps if your identity is stolen, covering costs like legal fees. Back-up of sewer or drain covers water damage from broken pumps. Home business property increases limits for business items at home. These coverages provide practical protection for homeowners.
MoneyGeek found that Chubb is the best option for homeowners seeking home insurance with top customer service in San Francisco, California, for $100K dwelling coverage. Chubb leads the market with a strong MoneyGeek score, while Nationwide follows as the second-best choice.
Chubb earns its top spot thanks to excellent customer satisfaction and coverage options, even if its affordability isn't the main draw. By selecting Chubb, you benefit from great customer service and reliable coverage.
Chubb scores high on MoneyGeek due to its great customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less.
Chubb's coverages are useful for homeowners. Cash settlement lets you get money if you decide not to rebuild after a loss. Personal property replacement cost covers your belongings without depreciation. Risk consulting offers helpful services like home assessment. These coverages make Chubb a great choice for home insurance.
MoneyGeek found that Allstate is the best cheap home insurance company in San Francisco, California, with 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When it comes to the average cost of home insurance in California, Allstate stands out due to its excellent affordability and customer satisfaction scores. Opting for cheap home insurance often means choosing lower coverage. This can save money but might not be enough protection. In cases where saving on premiums is important, considering the cheapest homeowner insurance companies could help. Remember, "best cheap" differs from "cheapest" as it balances cost with quality.
Allstate scores high in affordability and customer satisfaction, making it a top choice. It offers cyber event / ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle, which lets you save up to 25% when you combine home and auto insurance. Allstate also rewards responsible payment habits. Homeowners can benefit from these savings and coverage options.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
In San Francisco, many factors impact homeowners insurance, including location. Comparing rates is key to saving money, but it can be time-consuming, taking up to 15 minutes per company. You'll want to compare at least three options, which might take over an hour. MoneyGeek's home insurance calculator helps you save by focusing on essential factors. Enter age, dwelling coverage, credit score, deductible, liability coverage, and a few others for a rate estimate.
Allstate is the best option for cheap home insurance in San Francisco, California. A key factor influencing your insurance premium is the dwelling coverage you choose.
Allstate stands out for being the lowest cost option, combined with a high score of 91. Travelers is also competitive for $250K coverage, offering a reasonable premium and earning a solid 89 score. For $500K coverage, Allstate remains a clear choice with its unbeatable premium. Opting for the cheapest homeowners insurance in California helps manage your finances effectively by reducing yearly expenses.
| Allstate | $353 |
| Farmers | $387 |
| Travelers | $479 |
| State Farm | $607 |
| Capital Insurance Group | $680 |
| Nationwide | $750 |
| Chubb | $782 |
Allstate offers the cheapest annual premium for high-value homes in San Francisco, CA. High dwelling coverage is vital for homes that are costly to replace, and home insurance costs increase as coverage amounts rise.
Allstate stands out as the least expensive homeowner's insurance option in San Francisco, CA, due to its affordable premium rates. According to MoneyGeek, while it has the most affordable rates, its overall ranking is tied to individual scores.
| Allstate | $1,877 |
| Travelers | $2,262 |
| Capital Insurance Group | $2,848 |
| State Farm | $2,960 |
| Nationwide | $3,821 |
| Farmers | $3,914 |
| Chubb | $4,614 |
In San Francisco, California, Farmers is the most affordable home insurance provider for new homes when considering dwelling coverage of $100K.
Farmers stands out as the least expensive option in San Francisco due to its lower annual premium. However, being the least expensive does not always mean it's the best choice overall. While cost savings are significant, ensure you are adequately covered.
| Farmers | $185 |
| Travelers | $259 |
| Allstate | $286 |
| State Farm | $303 |
| Nationwide | $307 |
| Capital Insurance Group | $442 |
| Chubb | $628 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. In San Francisco, the best cheap homeowners insurance depends on your needs. Consider factors like coverage options, customer service, and deductibles. Follow these steps to get the best cheap home insurance.
To determine how much home insurance coverage you need, consider the unique aspects of your home in San Francisco, California, including rebuilding costs, personal property value, and liability requirements.
Research various insurance companies operating in San Francisco. Focus on those with strong financial strength, positive customer feedback, and a history of good service.
Once you understand your coverage requirements, compare home insurance quotes. In San Francisco, California, premiums can range from $353 with Allstate to $750 with Nationwide for $100K dwelling coverage.
Inquire with each provider about possible discounts, such as those for policy bundling, installing safety features, or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage in case of a claim.
Enhancing your home's security with systems and sturdy locks can lower the risk profile and potentially decrease insurance costs.
Keep a solid credit score as it can influence your insurance rates in San Francisco, California. Ensure timely bill payments and minimize outstanding debts.
Consider combining your homeowners insurance with other policies like auto insurance. This can result in significant discounts and savings.
The best cheap home insurance provider for you in San Francisco depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in San Francisco, California.
The average cost of home insurance in San Francisco is $459.
The cheapest home insurance company in San Francisco is Allstate, with an annual premium of $353.
The best home insurance in California for San Francisco residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
