Search Search. San Francisco Home Insurance. Take a look for yourself in the chart below. Every policy includes: Replacement cost dwelling coverage : Pays to repair or rebuild the structure of your home think: roof, ceiling, walls, etc. Other structures coverage : Pays to replace detached structures on your property, like garages, sheds, and fences. Personal property coverage : Replaces your belongings, like your furniture, appliances, electronics, clothing, and more.
Loss of use coverage : Pays for your living expenses when a claim keeps you from home. Personal liability coverage : Pays legal expenses when someone sues you over bodily harm or property damage. Medical payments coverage : Pays medical bills when guests have small injuries at your home. Major Risks for San Francisco Homeowners Every homeowners insurance policy covers fires, vandalism, wind damage, and theft.
San Francisco Wildfire Coverage A devastating drought has plagued California since , making the entire state extra susceptible to wildfires. San Francisco Flood Insurance With water edges on the ocean and bay, San Francisco has some real flood risk despite its hilly terrain.
We make it easy for you to save more with our discounts for: Smart home safety and security devices. Secure communities. Electronic policies. We calculated affordability using quotes for a home with varying coverage levels, while customer satisfaction ratings were from J. We gathered quotes from homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores to provide accurate information for various situations.
Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content.
By Mark Fitzpatrick. Cheapest homeowners insurance in San Francisco - Allstate. Scroll for more. State California. The Hartford. State Farm. Universal North America. About the Author. Read Full Bio ». State Farm State Farm is a well-renowned home insurance company in California occupying a market share of Farmers Farmers is second in California in terms of market share, with Allstate Allstate has a market share of 5.
Allstate I would definitely recommend using them. The customer service is wonderful and the payments are cheap! I wouldn't go anywhere else. Allstate I would strongly recommend AllState for home insurance, this they offer a solid customer service, and has good coverage as well as prices.
Liberty Mutual Liberty Mutual has been a great company for my needs. I switched from another company to Liberty Mutual but the deductible and built in incentives to be able to pay beforehand to get lower rates is great. State Farm I would recommend this company to people who need a big company that is easy to deal with and you know if something happens they will help out.
Westfield Insurance Westfield is a somewhat local company for us in a nearby big city. They provide good coverage with decent deductibles for a good rate.
I haven't had any issues with them and made changing my policy very easy. Travelers Overall, I am happy with the company and the home insurance product. In my way of thinking, the more inconspicuous a company is, the better, and the acid test really comes when claim situations occur.
Farmer's Insurance I would recommend this company based off the price and the customer service. That's all I can base my recommendation off of since I haven't had to use them for a claim. Geico Geico is a company that offers a bundle for auto and home insurance. They primarily do their business online and have a website that makes it very easy to compare coverage and obtain coverage. Travelers I do compare their pricing with my auto policy carrier each year but I don't compare the actual coverages.
I am mainly concerned about price. State Farm The policy offerings from State Farm fit our needs. They have always had the exact plans that we need for our home and our belongings. Progressive they offered "first month free premium" and claiming percentage is more than that other insurance.
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