Read this guide to learn about four home insurance companies in San Francisco that offer low rates and comprehensive coverage.
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.
San Francisco’s Top 4 Homeowners Insurance Companies
The highest-rated homeowners insurance companies in San Francisco include:
- Allstate: Best Overall
- Amica: Best Customer Service
- Travelers: Most Experience
- 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.
*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.
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.
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.
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.
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.
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.
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.
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.
Weigh the pros and cons of Travelers below.
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.
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.
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.
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.
Discounts
Lemonade offers four discount opportunities:
- Fire protection
- Protective devices
- Gated community
- Multi-policy
Lemonade Endorsements
Lemonade offers a variety of endorsements.
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.
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” titlel, but State Farm is one of our top recommendations due to the wide variety of options it offers.
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.
To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.