Protect your home with top-rated service.
When we say "home insurance" or "homeowners insurance," we're referring to House & Property insurance.
Outside of Florida & Louisiana, Kin offers House & Property insurance, which has a base policy that provides coverage similar to landlord insurance. Homeowners who live in their home can add an owner-occupied endorsement to create coverage similar to an HO3 policy.
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
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Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need.
Get covered.
Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Rest easy knowing your coverage protects what matters most.
for the actual structure of your home, inside and out.
for things like your detached garage or shed.
for your personal belongings that make your house a home.
for additional living expenses when a covered loss forces you to temporarily relocate.
if you accidentally cause someone bodily injury or property damage.
if a guest is injured on your property.
From small claims to disasters, we're here to help you recover quickly.
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
Our licensed insurance experts are available to help via email, phone, or live chat.
We help Californians find coverage across the Golden State, including in these major cities.
The average annual premium for home insurance in San Francisco is $1,305 according to the latest data available from the Consumer Federation of America. That figure is well below the California average of $1,724 and reflects the city’s moderate risk profile despite high property values and wildfire exposure. How much you pay for home insurance in San Francisco will depend on several factors, including the age and construction of your home and your ZIP code.
Insurance companies consider several factors when setting rates:
Wildfire exposure in outer neighborhoods and surrounding counties
Roof age, type, and fire resistance
The age and structural updates of the home (e.g., plumbing, wiring)
Policy choices, including type and amount of coverage and selected deductible(s)
Distance to fire stations and water sources
Localized fire protection class rating based on ZIP code
Prior claims filed for the home or nearby properties
Dwelling coverage. Should match the full cost to rebuild your home based on San Francisco-area construction prices.
Other structures coverage. Typically set to 10% of dwelling coverage, but may need to be increased if you have detached garages or ADUs.
Personal property coverage. Usually 50–70% of dwelling coverage. A home inventory can help identify how much you truly need.
Liability insurance. Should be high enough to protect assets such as real estate, investments, and personal savings.
Medical payments coverage. Offers $1,000 to $5,000 for minor injuries sustained by guests, regardless of fault.
Loss of use coverage. Typically set to 20% of your dwelling coverage limit to assist with additional expenses, like hotel stays and meals, if your home becomes uninhabitable after a covered loss.
Home insurance typically will exclude for the following:
Earthquake and sinkhole damage
Flood damage
Mold, termite, or pest infestations
Replacement of systems, materials, or components deteriorated due to wear and tear
Policy exclusions and limits can vary. Always see your policy agreement for a full list of exclusions.
San Francisco homeowners should consider the following endorsements or stand-alone policies to bridge and coverage gaps:
Earthquake insurance
Ordinance or law coverage for rebuilding to updated city codes
Extended replacement cost to accommodate rising building costs.
Water backup coverage for sewer or drain issues
Flood insurance if your property is in an area at risk for flooding
California does not require home insurance by law, but mortgage lenders will almost always require a valid policy before closing a home loan. With San Francisco’s dense urban layout, seismic vulnerability, and high rebuilding costs, carrying strong coverage, even for those without a mortgage, is a critical way to protect your investment and assets.
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