Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in San Francisco

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Francisco Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

471

Reviewed

287

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (6)
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 0534872

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (7)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
––

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (78)
Google
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
648 Stanyan Street, San Francisco, CA 94117
  • Homeowners

Why choose this provider?

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.

License Verified:

License: 0D21561

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.0 / 5 (46)
Yelp
3.5 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (34)
Google
4.6 / 5 (18)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Yelp
4.0 / 5 (12)
Google
3.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (45)
Facebook
5.0 / 5 (20)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

License Verified:

License: 0M63078

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (226)
Yelp
5.0 / 5 (226)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

License Verified:

License: 0541557

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (78)
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Can your credit score impact your homeowners' insurance rates in San Francisco?

    No, insurance companies in San Francisco do not utilize credit-based insurance scores to examine your credit history and determine the cost of your homeowners' insurance premiums. This practice is not allowed in California, as well as in the states of Maryland and Massachusetts, as a factor for rating home insurance.

  • What's the FAIR Plan in San Francisco homeowners' insurance?

    The FAIR Plan in San Francisco homeowners' insurance ensures that property owners in California can obtain essential fire insurance when they are unable to access coverage through the regular market due to reasons beyond their control. This state-mandated alternative acts as a last-resort choice, ensuring coverage in the absence of other options. Despite its higher price compared to alternative plans, the FAIR Plan enables property owners to obtain the required insurance coverage.

  • Does homeowners’ insurance cover wildfires in San Francisco?

    Yes, in San Francisco, standard homeowners' insurance policies usually cover fire-related damages, including those caused by wildfires. However, in high-risk wildfire areas of California, like San Francisco, homeowners might struggle to get coverage from regular insurance companies due to the heightened risk. As a response, California presents the FAIR Plan, an insurance solution backed by the state.

  • Can homeowners’ insurance cover dog bites in San Francisco?

    Yes, in some cases, the homeowners' insurance of the dog owner might provide coverage for the costs related to injuries resulting from a dog bite in San Francisco. However, certain insurance policies might only extend coverage for injuries caused by specific dog breeds. Note that certain homeowners' insurance policies might not cover the expenses associated with a dog bite if the owner possesses a breed that is considered to be dangerous by the insurer.

  • Can you transfer your homeowners' insurance when selling your house in San Francisco?

    No, homeowners' insurance cannot be directly transferred from one property to another in San Francisco. When you are selling your house and purchasing a new one, you will need to obtain a new insurance policy with your insurance provider. The buyer will also need to obtain their own insurance policy after the sale.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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