Homeowner Insurance Costs in San Francisco County, CA

How much does homeowner insurance cost in San Francisco County? Here's what to expect.

Est. Annual Premium

$7,418

Monthly Cost

$618

Median Home Value

$1,348,700

% of Income

5.4%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$1,348,700
Personal Property (C)$674,350
Liability (E)$300,000
Deductible$13,487

Cost Context

Homeownership Rate38.6%
Median Income$136,689
Property Tax Rate0.7%
Population851,036

About Insurance in San Francisco County

Homeowner insurance in San Francisco County, California costs an estimated $7,418 per year for a median-value home of $1,348,700. This represents approximately 5.4% of the median household income of $136,689.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in California

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.