Need a Homeowners Insurance comparison in San Francisco?

If you’re like most homeowners in San Francisco, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Get the best coverage and rates with April Insurance Agency

We can help you find the best homeowners insurance in San Francisco Bay Area that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

*Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

San Francisco Homeowners Insurance

Regardless of whether you live in San Francisco or any other part of California, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

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Common Homeowners Coverages

These are some common coverages you typically see on a policy:

Dwelling

This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Personal Liability

Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

Other Structures

This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.

Personal Property

This covers all of your personal belongings like clothing, furniture, electronics, and appliances.

Loss of Use

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

How to Get a Homeowners Insurance Quote

Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:

  • Who lives with you? Determine who will be on the property, and if you'll be running a business from home.

  • How is the home built? Provide details about your home's construction, such as when the roof and utilities were last updated.

  • Who will own the home? Let us know if there will be a co-owner/co-applicant (usually a spouse).

  • Do you have home insurance now? Tell us who your carrier is and how long you've been insured.

Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.

Homeowners Insurance

How to get started with your homeowners quote:

Every home is unique, and therefore requires a carefully crafted policy. If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

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