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Best Homeowners Insurance Agencies in San Francisco

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April Insurance Agency logo

April Insurance Agency

1788 19th Avenue, San Francisco, CA 94122
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  • Condos
  • Flood

April Insurance Agency caters to individuals and families in San Francisco. It provides a variety of personal insurance products, such as homeowners' premiums. The home policy protects property structure and policyholders' belongings against loss or damage. It also includes liability and loss of use coverage. The firm's agents help clients compare premium options from more than 100 carriers, including MetLife, Progressive, and Travelers. April Insurance Agency has served hundreds of customers since its founding in 1984.

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Brightway Insurance, The Aguilar Agency logo

Brightway Insurance, The Aguilar Agency

648 El Camino Real Ste K, Redwood City, CA 94063
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  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Brightway Insurance, The Aguilar Agency is an independently owned franchise that specializes in homeowner, condo, renters, and landlord insurance options as well as add-on policies such as flood and earthquake insurance. The agency never takes a one-size-fits-all approach but rather it works directly with each client to create a custom insurance package that best meets their unique needs. Brightway Insurance, The Aguilar Agency works with more than 70 top-rated insurance providers, including Foremost, Travelers, and Lloyds of London.

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Broad Spectrum Insurance Services logo

Broad Spectrum Insurance Services

1000 Brannan St Ste 203, San Francisco, CA 94103
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  • Personal Property Insurance
  • Homeowners

Broad Spectrum Insurance Services is an independent home insurance agency serving the residents of San Francisco, California, that works in collaboration with more than 10 insurance carriers, including Guard Insurance Group, AmTrust North America, and The Hartford. The company uses its connections to provide its clients with an array of options for insuring their homes or properties. Its policies can cover damage to the home due to a storm or fire, loss of personal belongings, temporary relocation, and personal and visitors' liability. Broad Spectrum Insurance Services also sells business, life, and health insurance.

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Coastal Pacific Insurance Marketing LLC logo

Coastal Pacific Insurance Marketing LLC

77 Mark Dr Ste 24, San Rafael, CA 94903
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  • Flood
  • Personal Property Insurance
  • Homeowners

Coastal Pacific Insurance Marketing LLC is an independent insurance agency based in the San Rafael, California, metro area that provides home insurance services to customers throughout the state of California. The team is owned and managed by Bruce Lyons, a San Rafael native, who joined the agency in 1983. Coastal Pacific offers home insurance policies from a variety of companies, including Chubb, Liberty Mutual, Nationwide, Progressive, Safeco, and Travelers. Policies cover real and personal property, liability, medical expenses, and living expenses. Customers can also consider supplementing their homeowners policies with the agency's offerings of personal umbrella, automobile, flood, earthquake, or jewelry insurance.

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Curtis Lee logo

Curtis Lee

648 Stanyan Street, San Francisco, CA 94117
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  • Homeowners

Curtis Lee is a State Farm insurance agent who offers homeowners' insurance services to clients in San Francisco. Curtis is committed to helping homeowners raise the value of their homes through home appraisals. He also offers several insurance services, such as car insurance, life insurance, business insurance, and workers' compensation insurance. Curtis established the agency in 2000. As a third-generation San Franciscan, he is familiar with business administration and real estate brokering in the city and the Haight Ashbury community.

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Express Service Insurance logo

Express Service Insurance

2085 Van Ness Ave, San Francisco, CA 94109
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  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Express Service Insurance is an independent insurance brokerage located in the Pacific Heights neighborhood of San Francisco. The firm serves clients from all over California, and it strives to provide extensive consultation and service by delivering turnkey home insurance solutions to meet each client's specific needs. It offers comprehensive and packaged home coverage options covering the home structure, home's contents, natural disasters, and personal liability. Some of the insurance carriers it represents are Allied Nationwide, CNA, and Travelers Insurance. Express Service Insurance also provides auto, renters, flood, umbrella, and earthquake insurance.

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John A. Morton Insurance Agency logo

John A. Morton Insurance Agency

3366 22nd Street, San Francisco, CA 94110
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  • Multiple Policy Types

John A. Morton Insurance Agency caters to clients in San Francisco and neighboring metros. Serving residents and businesses throughout California, the agency offers many types of insurance coverage, such as home, auto, and business. As an independent agency, its agents select insurance products from insurance providers that best fit each client. These partner providers include American Modern, American Contractors Insurance Group, and Bristol West. Its owner and namesake, John Morton, founded the agency in 1983.

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Limitless Insurance Solutions logo

Limitless Insurance Solutions

840 Hinckley Rd Ste 201, Burlingame, CA 94010
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  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Limitless Insurance Solutions is an independent, full-service insurance agency based in Burlingame, California, serving clients from all over San Francisco. The firm offers a variety of insurance policies, including homeowners coverage to help clients protect their properties and the contents within them. Some plans provide additional protection to property owners against liability for injuries or property damage occurring at the residence. The company represents many insurance carriers, giving homeowners a wide variety of choice for comprehensive coverage options that meet all their needs. Limitless Insurance Solutions also provides renters, business, and auto insurance products.

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O’Kane & Tegay Insurance Brokers logo

O’Kane & Tegay Insurance Brokers

2145 19th Ave, San Francisco, CA 94116
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  • Multiple Policy Types

O’Kane & Tegay Insurance Brokers is an independent agency that serves homeowners in San Francisco. It offers homeowners' insurance policies that protect clients, their investment properties, and their valuable effects from unexpected events like natural disasters, fire, lightning, theft, and vandalism. It provides coverage for the dwelling, other structures, personal property, liability, and loss of use. The agency represents a number of regional and national insurance companies to help clients choose the right level of coverage. It has been in service since 1946.

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Paperless Insurance Services, Inc logo

Paperless Insurance Services, Inc

625 46th Ave, San Francisco, CA 94121
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  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Paperless Insurance Services Inc. is an independent insurance agency in San Francisco, California, that has provided a range of insurance products from different prominent carriers since 2005. One of its primary areas of service is homeowners insurance, providing coverage for property losses as a result of fire, hurricanes, windstorms, thunderstorms, and tornadoes. Policies offer optional coverage for the theft of a home's contents and liability insurance to protect the homeowner and their family against a lawsuit arising from injuries or damage to another person's property while at the residence. The company also provides commercial auto, business, and professional liability insurance.

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Pennbrook Insurance Services logo

Pennbrook Insurance Services

142 Sansome Street 4th Floor, San Francisco, CA 94104
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  • Personal Property Insurance
  • Multiple Policy Types

Pennbrook Insurance Services is a San Francisco-based agency that has been catering to the protection needs of clients for over 35 years. The independent firm's agents compare offered plans of carriers like Chubb, Travelers, and The Hartford. They explain the features of homeowners' insurance policies to aid clients in selecting plans that suit their needs like natural disaster damage, liability, and medical coverage. They also offer advice on claims filing and settling. Life, health, and auto, as well as medical marijuana dispensary indemnities are also offered.

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Riskguard Insurance Solutions logo

Riskguard Insurance Solutions

422 Presidio Ave, San Francisco, CA 94115
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  • Personal Property Insurance
  • Homeowners

Riskguard Insurance Solutions, located in San Francisco, California, leverages its relationships with premium insurance companies to help local homeowners get the coverage they need to protect their homes inside and out from loss and liability. Its service area includes Oakland, Milbrae, Burlingame, Stockton, San Diego, and surrounding areas. Basic home insurance coverage that protects the home and other structures, the content of the home and outbuildings, and safeguards against liability loss on the property is available. The agency offers discounts on insurance packages that include both home insurance and auto coverage. It also sells condo, renter, boat, and life insurance.

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Traci Hollander logo

Traci Hollander

556 Castro Street, San Francisco, CA 94114
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  • Renter's Insurance
  • Multiple Policy Types

Traci Hollander, a State Farm agent, serves the locals of San Francisco and the surrounding communities. She offers homeowners' insurance, which covers the repair or the replacement of the home and the valuable items inside. She also offers other insurance policies for business, health, pet, and life; and financial products such as banking, mutual funds, and annuities. Hollander's agency has multilingual staff who can speak Spanish, Mandarin, Cantonese, and French. She has been in the industry since 1986 and is also licensed in Arizona.

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Wang Insurance logo

Wang Insurance

2620 Judah St, San Francisco, CA 94122
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  • Multiple Carriers
  • Personal Property Insurance

Wang Insurance is an independent brokerage in San Francisco, California, that has been in business since 1979. The agency works with various insurance companies to provide residents throughout the Bay Area with home insurance, covering all structures and personal property. If the home is damaged to the extent that the client must stay elsewhere, policies cover additional living expenses. The company's standard insurance plan covers homes that are affected by fire, lightning, theft, and vandalism. Discounts are available for clients who package home insurance with auto insurance and new buyers. Wang Insurance also provides landlord protection insurance.

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Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

A: How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Q: What should a homeowners\' insurance include/cover?

A: A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

Q: How frequent should one change auto or homeowners\' insurance to another provider?  

A: If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

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