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2024

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Best Renter's Insurance Companies in San Francisco

Our Recommended Top 10

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 Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

303Reviewed

185Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
555 California Street Suite 4925, San Francisco, CA 94104
  • Multiple Policy Types

Why choose this provider?

Matsen Insurance Brokers is an independent agency that brings over 75 years of service to individuals and businesses in and around San Francisco. The company has partnerships with over 40 carriers, allowing its agents to provide an extensive selection of insurance solutions and risk management services. Its personal insurance products include renters' insurance, which financially protects policyholders' personal possessions—such as clothing, small appliances, furniture, and electronic equipment—in the event of covered risks like theft. The policy's coverage extends to family liability and guest medical protection.

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.
4.6

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1000 Brannan Street Suite 203, San Francisco, CA 94103
  • Multiple Policy Types

Why choose this provider?

Broad Spectrum Insurance Services offers comprehensive personal and commercial lines in San Francisco. This full-service insurance brokerage firm provides home and renter policies, which cover personal possessions, property damage, and personal liability. Its agents also help clients find auto, life, and health insurance plans for their specific needs. As an independent agency, Broad Spectrum has a range of insurance coverage options from a carefully selected group of carriers. It also caters to the requirements of business owners.

License Verified:

License: 0F49732

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 (79)
Facebook
5.0 / 5 (22)
Google
5.0 / 5 (20)

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
548 Market St #333, San Francisco, CA 94104
  • Multiple Policy Types

Why choose this provider?

Perfect California Insurance Agency serves individuals and families in San Francisco. It offers renters' insurance policies that have personal property coverage that protects the policyholders' belongings against damage from fire, hail. lighting, windstorm, vandalism, and impact by a vehicle. The renters' insurance policy may also include loss-of-use coverage and personal liability coverage. It can also have medical payments coverage for renters' guests in case they were hurt within the covered premises and needed medical attention. The company also offers home insurance policies.

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

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
512 2nd Street, San Francisco, CA 94107
  • Multiple Carriers

Why choose this provider?

For five years, Gabi Personal Insurance Agency, Inc., has served the insurance needs of individuals, families, and businesses in San Francisco and the surrounding communities. It carries renters’ insurance plans that help protect personal belongings from a number of perils like smoke and water damage or theft. Additionally, it provides other insurance options like auto, home, landlord, and umbrella insurance plans. Hanno Fichtner, co-founder of HitFox, serves as the CEO of the agency.

License Verified:

License: 0L12413

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.
4.0
Google
4.0 / 5 (1770)
Facebook
4.0 / 5 (277)

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
422 Presidio Avenue, San Francisco, CA 94115
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Riskguard Insurance Solutions, Inc., is a privately owned agency delivering customized coverage plans to the residents of San Francisco for over two decades. It offers assistance in finding renters' insurance that protects clients' household assets from theft, vandalism, or hazardous events. The company has numerous providers, and its staff members have a collective experience of 86 years. Riskguard Insurance Solutions also offers home, life, farm, auto, flood, and earthquake insurance.

License Verified:

License: 0619789

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.
4.4
Yelp
4.5 / 5 (31)
Google
4.0 / 5 (17)
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
3650 24th Street, San Francisco, CA 94110
  • Multiple Policy Types

Why choose this provider?

Rebekah Shapiro Gonzalez is a State Farm insurance agent based in San Francisco. She has been working in the industry for over 20 years. She and her team of licensed agents aim are knowledgeable in building insurance plans that address the unique needs of their community, specializing in policies that are specific to the California area. They offer apartment building, condominium, home, and renter's insurance, as well as coverage for vehicles like automobiles and motorcycles.

License Verified:

License: 6003557

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.
3.7
Google
4.0 / 5 (59)
Yelp
3.0 / 5 (30)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
P.O. Box 15580, San Francisco, CA 94115
  • Multiple Policy Types

Why choose this provider?

R Carrie Insurance Agency, Inc., serves the locals in and around the San Francisco metro. It provides renters' insurance, which covers personal property against theft or damage, as well as guests from certain bodily injury and property damage claims for which the policyholder is liable. Some of the carriers the agency works with are Progressive, SafeCo Insurance, The Hartford, Employers, Travelers, and The Zenith. It also provides other personal insurance policies such as car, motorcycle, and boat. The agency is independently owned and locally operated.

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 (1)

Website
3138 Geary Boulevard, San Francisco, CA 94118
  • Multiple Policy Types

Why choose this provider?

Kajal Pashmi is an insurance agent who caters to renters in San Franciso and the surrounding areas. She helps clients cover losses for personal property, both inside and away from the rented apartment or home. Liability coverage for damage to another person's property and injury are also included in the renters' policies that she offers. Additionally, she provides other insurance products such as auto, business, and health. Kajal leads a team of agents through Kajal Pashmi Insurance Agency Inc., which is under State Farm.

License Verified:

License: 0F03491

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.
4.4
Google
4.0 / 5 (36)
Yelp
5.0 / 5 (25)
Facebook
4.0 / 5 (5)

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
301 Junipero Serra Boulevard, San Francisco, CA 94127
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Established in 1938, Biddle-Shaw Insurance Services, Inc., is an insurance brokerage firm that provides renters' insurance in San Francisco. It covers medical payment and trial coverage for people who got injured while in the client's rental unit. It also secures the customers' personal belongings and the rental home. Additional living expenses in instances when the home is not livable due to damage or renovation are also covered. Moreover, it offers auto, home, health, and commercial insurance.

License Verified:

License: 0613254

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 (5)

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
237 Kearny Street, San Francisco, CA 94108
  • Multiple Carriers

Why choose this provider?

EK Insurance is a brokerage that provides its services to clients in San Francisco and the surrounding communities. The firm's products include renters' insurance, which covers the policyholders' belongings and protects them from liabilities in case of injuries. Other coverages may include personal properties, such as electronics, clothing, and furniture. A policy may also include the medical payments resulting from an injury. In addition to insurance products, EK Insurance also provides advice to its clients.

License Verified:

License: 0M57461

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.
4.0
Google
4.0 / 5 (11)

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
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FAQs

  • How can you find the best renters' insurance in San Francisco?

    Determine how much coverage you require to find the best renters' insurance in San Francisco. In some cases, you may only require $15,000 or $50,000 in coverage. The amount is determined by your personal belongings and the amount you might lose in the event of an unexpected event. You should also be aware of the types of personal belongings that are covered.

  • Does renters' insurance cover the repair or replacement cost of the property in San Francisco?

    Yes, renters' insurance in San Francisco covers the cost of repairing or replacing the property. This type of insurance can cover property damage due to fire, smoke, theft, explosions, snow and ice weight, and falling objects. Policyholders can select between replacement cost and actual cash value insurance coverage.

  • What expenses are not covered by renters' insurance in San Francisco?

    Renters' insurance in San Francisco does not cover damage caused by earthquakes, floods, or mudslides. It also excludes damage from pets or insects, as well as vehicle damage and stolen vehicles. Furthermore, renters' insurance does not cover policyholders' roommates' damaged or stolen possessions, as well as the physical structure in which they live.

  • Why do some landlords require tenants to purchase renters' insurance in San Francisco?

    Some landlords in San Francisco require tenants to purchase renters' insurance because it prevents families and individuals from suing them for damages. Because landlords are liable for structural damage to the property if something goes wrong, this type of insurance can save you money. It also reduces liability in the event that tenants file bodily injury claims.

  • Can individuals and families in San Francisco obtain renters' insurance discounts?

    Yes, individuals and families in San Francisco can get renters' insurance discounts. They may qualify for discounts if they bundle their renters' insurance with other personal protection plans and reach the age of 55. They could save up to 25% on their insurance premiums. They may also receive discounts if they purchase wind damage mitigation features.

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