Home insurance • San Francisco, California • 2026
Home Insurance in San Francisco, CA: Coverage for Earthquakes, Condos, and Older Homes
San Francisco's older homes, condos, and shared buildings sit near some of the most active faults in California. Earthquakes, rebuilding older buildings to current code, and condo coverage shape what San Francisco owners need.
This guide covers what drives home insurance prices in San Francisco, the California rules and market conditions that apply, and how to compare quotes from several insurers on the same terms.
Blake Insurance Group is an independent agency based in Tucson that serves San Francisco homeowners by phone and online. We do not have an office in San Francisco, and we compare options from the insurers we are appointed with for your exact address.
Get San Francisco home insurance quotes
Tell us your San Francisco address, your home's age, square footage, and roof, and the coverage you want, and a licensed agent will follow up with options available to us. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email info@blakeinsurancegroup.com.
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Owning a home in San Francisco: what shapes your rate
Building age and faults shape San Francisco coverage.
Earthquakes
Earthquake damage is excluded from home policies. A separate earthquake policy, often through the California Earthquake Authority, covers the dwelling with a percentage deductible.
Older homes
Older homes can cost more to rebuild to current code. Ordinance or law coverage helps pay for required upgrades, and seismic retrofits can lower earthquake premiums.
Condos and HOA policies
Condo owners need an HO-6 policy matched to the HOA master policy, plus loss assessment coverage in case the association bills owners after a loss.
High rebuilding costs
Construction costs in California are among the highest in the country. Make sure your dwelling limit reflects full rebuilding cost, and consider extended replacement cost.
Coverage priorities for San Francisco homeowners
| Your situation | Coverage to review | Why it matters |
|---|---|---|
| Any homeowner | Earthquake quote alongside your home policy | Home policies exclude earthquake. |
| Older home | Ordinance or law and extended replacement cost | Code upgrades add cost. |
| Condo owner | HO-6 with loss assessment coverage | Matches the HOA master policy. |
| Landlord | Landlord policy | Homeowners forms exclude most rentals. |
Examples only, not recommendations. Coverage availability and terms vary by insurer.
California rules and market facts every San Francisco homeowner should know
- No state mandate, but your lender requires it. California does not require homeowners insurance by law, but nearly every mortgage lender does.
- A market in recovery. After several years of insurers limiting new policies, more companies are writing again under the state's Sustainable Insurance Strategy, which lets insurers use catastrophe models in pricing in exchange for writing more homes in wildfire-distressed areas. Availability still varies by ZIP code, so shopping several insurers matters.
- The FAIR Plan. If no regular insurer will cover your home, the California FAIR Plan provides basic fire coverage as a last resort. It does not include liability, theft, or water damage, so most FAIR Plan homeowners add a separate difference-in-conditions policy to fill the gaps.
- Notice and wildfire protections. Insurers must give at least 75 days' written notice, with the reason, before non-renewing. After the governor declares a wildfire emergency, homes in ZIP codes inside or next to the fire perimeter cannot be canceled or non-renewed for one year, and total-loss homes get extended renewal protection.
- Earthquake is separate. Standard home policies exclude earthquake damage. Insurers that sell homeowners policies must offer earthquake coverage, often through the California Earthquake Authority, and it carries a percentage deductible.
- Flood is excluded. Home policies do not cover flood or mudflow. See California flood insurance.
How to compare San Francisco quotes apples to apples
A cheaper quote is only cheaper if the coverage matches. Line up each quote using the same limits and deductibles.
| Coverage | What to match |
|---|---|
| Dwelling (Coverage A) | Same rebuild amount, based on replacement cost, not market value |
| Other structures and personal property | Same limits, and replacement cost (not actual cash value) for belongings |
| Loss of use | Same limit for living expenses if you cannot stay in the home |
| Personal liability and medical payments | Same limits, such as $300,000 liability |
| Deductibles | Same all-peril deductible; earthquake, if added, carries its own percentage deductible |
| Roof settlement | Replacement cost or actual cash value for the roof, and any roof age schedule |
| Endorsements | Water backup, extended replacement cost, ordinance or law, and scheduled jewelry |
San Francisco areas and ZIP codes we quote
We quote throughout San Francisco, including SoMa, the Mission, the Marina, Noe Valley, the Richmond and Sunset Districts, Bernal Heights, and Excelsior.
- 94103
- 94107
- 94109
- 94110
- 94114
- 94115
- 94117
- 94122
- 94134
Insurers price by the exact address, the roof's age and material, the home's age and updates, and the cost to rebuild, so have those details ready for an accurate quote.
Discounts worth asking about in San Francisco
- Home and auto bundle, compared on the total of both policies.
- Wildfire mitigation credits where offered.
- Monitored security, fire, and water leak devices.
- The basics. Home and auto bundle, claims-free, new or impact-resistant roof, monitored alarm, smart water shutoff, new home, paid-in-full, and paperless discounts, where the insurer offers them.
Discount names, amounts, and availability vary by insurer.
Non-renewed, an older roof, or prior claims? You still have options. Some insurers and specialty markets write harder-to-place homes. Call 888-387-3687 and we will shop it for you.
San Francisco home insurance FAQs
What does a condo HO-6 policy cover?
Your unit's interior, upgrades, belongings, and liability. Loss assessment coverage helps if the HOA bills owners for a loss to common areas.
What is ordinance or law coverage?
It pays the extra cost of bringing a damaged home up to current building codes during repairs, which matters most for older homes.
Can a seismic retrofit lower my earthquake premium?
Often. The California Earthquake Authority offers discounts for qualifying retrofits on older homes.
Does California require homeowners insurance?
No state law requires it, but nearly every mortgage lender does. Most owners keep coverage even after the mortgage is paid off.
What if my insurer will not renew my home?
Insurers must give at least 75 days' written notice with the reason. Call us right away so we can shop the regular market first and use the FAIR Plan, paired with a difference-in-conditions policy, only if needed.
Do I need earthquake insurance in San Francisco?
Home policies exclude earthquake damage, and most of California faces earthquake risk. Earthquake coverage is optional, with a percentage deductible, and we can quote it alongside your home policy.
Nearby areas and related guides
Important information
Compensation. Links in the partner quote box near the top of this page are sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls. This page is general information, not legal advice.
Service area. Blake Insurance Group is based in Tucson and serves San Francisco clients by phone and online. We do not claim a physical office in San Francisco.
Your next step
Request a quote, and a licensed agent will compare options available to us for your San Francisco address.
