15 top-rated best homeowners insurance providers available in San Francisco, CA. Compare coverage options and get quotes.
Among the lowest rates. Military families only. Excellent claims service.
From ~$150/yr for $1M. Military families only. Lowest premiums available.
Avg $1,500–$1,900/yr. Military families only. Best-in-class service.
Avg $1,180–$1,500/yr. Military & veterans only. Top-rated customer service.
Premium policy for high-value homes ($750K+). Cash settlement. Extended replacement.
Broadest coverage. No underlying policy required. A++ rated. Best for high net worth.
Up to 80% income replacement. Benefits to age 70. Highly customizable riders.
Overall score 4.74. Competitive term rates. Strong financial strength (A+ AM Best).
Avg ~$107/yr. Lowest rates. #1 customer satisfaction. Dividend payback.
J.D. Power 906/1000. Annual dividends reduce premiums 5–20%. Best claims handling.
170+ year track record. Annual dividends since 1854. Best for whole life policies.
Starting ~$1,280/yr. Best value where available (12 states + DC).
From $5/mo. Avg $118/yr. AI claims paid in minutes. App-first experience.
All 50 states. A++ rated. Group + individual policies. Long-term specialist.
Unlimited annual benefits. No caps per incident. Avg 2-day claims turnaround.
USAA Renters Insurance is a top-rated provider of best homeowners insurance in San Francisco, CA. Insurance availability and rates vary by zip code — always compare at least 3 quotes for your specific address.
Yes — insurance rates vary significantly within San Francisco, CA based on your specific zip code, local claims history, weather risks, and traffic density. San Francisco's above-average cost of living (COL 194) can mean slightly higher insurance premiums than rural areas.
Rates vary by zip code and individual factors · Get personalized quotes · Q1 2026