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Best Home Insurance in San Francisco

Read this guide to learn about four home insurance companies in San Francisco that offer low rates and comprehensive coverage.

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Home insurance is a safety net designed to protect your most valuable asset. When the unexpected occurs, you don’t want to be caught without a home insurance policy. Without one, you’ll likely need to pay for costly repairs and replacements entirely out of pocket. With one, your homeowners insurance company will cover a large amount of the cost, safeguarding your financial investment.

There are many home insurance companies that service San Francisco, but it can be difficult to find the best one for your home. The This Old House Reviews Team has created this in-depth round-up of the best home insurance companies in San Francisco based on metrics like coverage, cost, and customer service quality to help you make the right choice.

To get free quotes from home insurance companies in your area, call 855-948-5219 or enter your zip code in the tool below:

San Francisco’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in San Francisco include:

  1. Allstate: Best Overall
  2. Amica®: Best Customer Service
  3. Travelers: Most Experience
  4. Lemonade: Best Valuable Coverage

The best homeowners insurance companies in San Francisco offer robust coverage with a wide range of endorsements and affordable monthly premiums. Read on for our top picks for San Francisco home insurance.

Compare the Best Homeowners Insurance Companies in San Francisco

See how the top homeowners insurance companies in San Francisco stack up on key metrics.

Comparison

Provider Visit Site Superlative Score Monthly Cost* Years in Business States Covered BBB Rating
Provider Visit Site Superlative Score Monthly Cost* Years in Business States Covered BBB Rating
Allstate Allstate.com Best Overall 98.10 $122 (Austin, TX) 89 50 A+
Amica Amica.com Best Customer Service 96.60 $254 113 48 A+
Travelers Travelers.com Most Experience 93.60 $58 167 50 A+
Lemonade Lemonade.com Best Value 83.50 $25 and up 5 23 B+

*Cost may be calculated for homes of varying values

Industry-Standard Coverage

Most home insurance companies provide six essential coverage types: dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each of our top recommendations offers these standard protections. You can find a breakdown below.

Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost of repairing or rebuilding your home’s interior and exterior structures, in addition to any other structures on the property
Personal property Covers the replacement of personal possessions, including clothing, electronics, and furniture
Personal liability Covers attorney fees, court fees, and any damages resulting from someone being injured on your property
Loss of use/additional living expenses Covers living expenses like dining and accommodations if your home is temporarily uninhabitable due to covered damage or destruction
Medical payments to guests Covers the medical expenses if someone is injured in your home

1. Allstate

Allstate is one of the largest home insurance companies in the country. The insurer stands out with a 24/7 customer service center and a wide variety of customization opportunities. Allstate’s 24/7 center goes above and beyond, covering all home insurance questions instead of limiting communication to claims or business hours.

Weigh the pros and cons of Allstate below.

Pros and Cons of Allstate 

Pros Cons
Pros Cons
Wide variety of endorsement options Average customer satisfaction ratings
Second-largest homeowners insurance provider in the U.S.
24/7 customer service for all insurance questions

Plans and Pricing of Allstate

We received an instant quote for a single-family, new construction, approximately 2,200-square-foot home in Austin, Texas, valued at roughly $240,000. The monthly premium came out to $122. You can reach out to an agent to find out how much it would cost to insure your San Francisco home.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $241,790
Other structures $24,000
Personal property $145,000
Loss of use $24,000
Liability $100,000 per occurrence
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $122

Discounts

Allstate offers a variety of discounts to help reduce your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Welcome and loyalty
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired

Allstate Endorsements

Here is a sampling of Allstate’s endorsements. Add-on coverages might vary depending on the state you live in. You can see the exact offerings in your personalized quote.

Endorsements

Type Description
Type Description
Personal umbrella policy Increases the limits of personal liability coverage and adds coverage for legal fees and lost wages
Earthquake Covers the cost of repairs or replacement of your home after earthquake destruction
Flood Covers the cost of repair or replacement of your home in the event of a flood (required for homeowners in certain locations)
Water backup Covers the cost of water damage caused by clogged drains or sump pump failure
Scheduled personal property Covers valuable personal belongings, including jewelry, antiques, and more
Business property Covers computers and other home office equipment or equipment from a small business run out of the home
Sports equipment Covers golf clubs, skis, bicycles, and other sports equipment
Identity theft protection Covers legal fees and others costs associated with identity theft or fraud
Green improvement reimbursement Increases coverage to upgrade appliances with more energy-efficient uses after a loss
Electronic data recovery Covers costs from recovering lost computer data
Yard and garden Covers trees, landscaping, and ornamental plantings or adds coverage for lawn equipment
Musical instruments Covers valuable musical instruments

To receive your own instant quote from Allstate, click here, or use the tool below.

2. Amica

Amica provides comprehensive coverage alongside valuable bonus features like its Contractor Connection. This program puts vetted, experienced contractors in contact with homeowners in as little as one day to schedule repairs. All the workmanship comes with a convenient five-year warranty for peace of mind, and homeowners can track the repair progress online.

Weigh the pros and cons of Amica below.

Pros and Cons of Amica

Pros Cons
Pros Cons
Comprehensive coverage Not available in Alaska and Hawaii
Affordable rates Does not use local agents
Contractor Connection

Plans and Pricing of Amica

We received an instant quote for a single-family, roughly 1,050-square-foot home in San Francisco valued at approximately $800,000. The monthly premium came out to $254.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $800,000
Other structures $80,000
Personal property $400,000
Loss of use $240,000
Liability $500,000
Medical payments to others $5,000
Deductible $2,500
Monthly Cost $254

Discounts

Amica offers a variety of different discounts to help you lower the cost of your homeowners insurance:

  • Loyalty
  • Multi-policy
  • Autopay
  • Claim-free
  • E-discount
  • Alarm system
  • Automatic detection devices
  • New and remodeled homes

Amica Endorsements

Amica offers a wide range of endorsements.

Endorsements

Type Description
Type Description
Personal property replacement Covers the replacement cost for damaged or stolen items instead of depreciated value
Scheduled personal property Provides more extensive protection for valuable items like jewelry and furs
Automatic dwelling coverage increase Boosts coverage limits when the cost to rebuild your home exceeds what your underlying policy covers
Credit card Covers an amount up to $5,000 if your card is used fraudulently
Water backup/sump pump failure Covers damage from water backup and sump pump failure
Computer Covers computers, tablets, smart televisions, and smartphones
Catastrophic Covers damage due to earthquakes and floods
Liability and medical payment Increases liability coverage for legal fees and medical expenses

3. Travelers

Travelers has a proven track record with more than a century and a half of experience in the home insurance industry. Travelers offers a wide range of add-on coverage options, with an eco-friendly endorsement called Green Home. This add-on coverage allows you to reconstruct your home with environmentally friendly materials in the event of a covered disaster.

To get a free Travelers home insurance quote call: 844-204-3517

Weigh the pros and cons of Travelers below.

Travelers Pros and Cons

Pros Cons
Pros Cons
More than 160 years of experience Few discounts available comparatively
Some less common endorsements, like Green home Poor reviews for mobile app
Available nationwide

Plans and Pricing of Travelers

We received an automatic quote for a single-family, roughly 1,050-square-foot home in San Francisco valued at approximately $260,000. The premium came out to $58 per month.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $268,000
Personal property $26,800
Loss of use $134,000
Liability $100,000
Medical payments to others $2,000 per person
Deductible $1,000
Monthly Cost $58

Discounts

Travelers offers several discounts to help you reduce the cost of your home insurance:

  • Loss-free
  • Protective device
  • Homebuyer
  • Multi-policy
  • Green home

Travelers Endorsements

Travelers provides a variety of add-on coverage options.

Endorsements

Type Description
Type Description
Contents replacement cost Covers cost to replace damaged or destroyed belongings at actual value, not factoring in depreciation
Additional replacement cost Increased amount of up to 25% of your dwelling coverage if there is an increased cost to rebuild your home
Personal articles floater Provides coverage of specific, documented items
Jewelry and valuable items Increased coverage for valuable items like jewelry, furs, and fine art
Green Home Helps pay to repair, replace, or rebuild your home with green materials after a covered loss
Valuable Items Plus Increased coverage for valuable items like computers and musical instruments
Identity theft Covers up to $25,000 for costs related to identity theft
Water backup Pays for damage to your home caused by sewer or drain backup and sump pump failure

To receive a free quote from Travelers tailored to your neighborhood, click here, or use the tool below.

4. Lemonade

Lemonade is fresh on the home insurance industry scene, and it’s already having an impact with a technology-driven approach and very low monthly rates. Nearly a third of customers’ claims are handled in under a minute via a convenient mobile app. Lemonade pools all of the money paid by customers for premiums, and at the end of the year, it donates whatever is left over to charity.

Weigh the pros and cons of Lemonade below.

Pros and Cons of Lemonade

Pros Cons
Pros Cons
Easy-to-use mobile app Not available nationwide
Almost a third of claims handled instantly No auto insurance
Charitable Giveback program

Plans and Pricing of Lemonade

We received an instant quote for a new construction, single-family, roughly 2,200-square-foot home in Eureka, California. The monthly premium came out to the affordable rate of $60.75. You can request a quote online to find out how much it would cost to cover your San Francisco home.

Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $350,000
Personal property $175,000
Loss of use $105,000
Liability $300,000
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $60.75

Discounts

Lemonade offers four discount opportunities:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Lemonade Endorsements

Lemonade offers a variety of endorsements.

Endorsements

Type Description
Type Description
Scheduled personal property Covers the cost to replace damaged or stolen items like jewelry, art, musical instruments, and furs
Home business Covers operating a business out of the home
Earthquake Covers the cost of repairing and rebuilding structures after damage from an earthquake
Sewer backup Covers cost of damage to home after sewer backup

Get a quote from Lemonade, the provider with the quickest sign-up, by clicking here or by using the tool below.

Our Conclusion

Each of the home insurance companies we’ve selected stands out with key features that set them apart. Allstate offers a 24/7 customer service center for all insurance questions and has many different endorsements to help homeowners customize their coverage. Amica provides the Contractor Connection program, putting vetted contractors in contact with homeowners quickly and efficiently. Travelers has a proven track record with more than 160 years of experience, and Lemonade offers low monthly rates and forward-thinking technology, making it ideal for budget-conscious homeowners or those seeking a company that backs a good cause.

Before you purchase a home insurance policy in San Francisco, we recommend getting a free quote from all four providers to compare coverage and pricing by calling 855-948-5219 or using the tool below:

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Who has the best homeowners insurance rates in California?

Of the companies The This Old House Reviews Team has evaluated, Lemonade has some of the best homeowners insurance rates in California.

Who are the top home insurance companies?

We identified the eight best home insurance companies based on key metrics like coverage, cost, customer service quality, and more. Here’s what we’ve found:

  • Allstate: Best Overall
  • Amica: Best Customer Service
  • State Farm: Best Endorsements
  • Liberty Mutual: Best Discounts
  • USAA: Best Membership Perks
  • Travelers: Most Experience
  • Farmers: Most Customizable Coverage
  • Lemonade: Best Value

Is Allstate or State Farm better?

The This Old House Reviews Team has given Allstate the “best overall” title, but State Farm is one of our top recommendations due to the wide variety of options it offers.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.