Onmarket Insurance Associates
1857 Market St, San Francisco, CA 94103
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1857 Market St, San Francisco, CA 94103
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625 46th Ave, San Francisco, CA 94121
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548 Market St PMB 82894, San Francisco, CA 94104
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548 Market St, #333, San Francisco, CA 94104
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636 4th St., San Francisco, CA 94107
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422 Presidio Ave, San Francisco, CA 94115
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2269 Chestnut Street, #301, San Francisco, CA 94123
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1234 Divisadero Street, #1000, San Francisco, CA 94117
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37 Graham St, Ste 110, San Francisco, CA 94129
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345 California St, Ste 1750, San Francisco, CA 94104
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Learn about insurance coverage options specific to San Francisco residents.
SF homeowners pay $1,150-$1,575/year for insurance, plus $1,250-$6,000 for earthquake coverage. Learn what affects your rates and how to save.
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No, standard homeowners insurance policies in California specifically exclude earthquake damage. You must purchase separate earthquake insurance, typically through the California Earthquake Authority (CEA) or private insurers. In San Francisco, where there's a 72% chance of a magnitude 6.7+ earthquake by 2043, this separate coverage is essential.
Earthquake insurance in San Francisco typically costs between $1,250 and $6,000 per year, depending on your home's value and location. For a median-priced San Francisco home around $1.3 million, expect to pay closer to $6,000 annually. Rates vary by neighborhood, with costs ranging from $4.08 to $4.58 per thousand dollars of coverage.
Victorian homes cost more to insure because they're built with harder-to-source materials and construction techniques that are expensive to replicate today. Older homes also often have outdated electrical, plumbing, and HVAC systems that insurers view as higher risk. If your Victorian is damaged, the replacement cost can be significantly higher than for a modern home.
The average San Francisco homeowner pays between $1,150 and $1,575 per year for standard homeowners insurance with $300,000 in dwelling coverage. However, costs vary significantly by ZIP code, home value, and risk factors—some homeowners pay up to $10,000 annually for high-value properties.
ZIP code 94141 has the highest average rates in San Francisco at about $1,365 per year, while ZIP 94128 is the most affordable at around $1,179 annually. Rates are also higher in earthquake risk zones, hillside properties, and neighborhoods with older construction or higher crime rates.
Major insurers have been pulling back from California due to increased wildfire and disaster risks, regulatory restrictions on rate increases, and rising reinsurance costs. Between 2019 and 2024, over 100,000 California homeowners lost coverage. In March 2024, State Farm and Farmers raised rates by 20% and 15% respectively, making coverage more expensive and harder to find.
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