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How much is renters insurance in San Francisco?
I want to move from Portland to the Bay Area, but I need to figure out whether I can afford it. I’ve heard the cost of living in San Francisco is high, but it seems amazing. How much does renters insurance cost in San Francisco?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
San Francisco is definitely a popular place to be! The average cost of renters insurance in San Francisco is $277 per year, or $23 per month.
While this is higher than the national average of $173 per year, or around $14 per month, several things can influence the cost of your renters insurance. The most common impact on your rates are:
- Location. The cost of living and the likelihood of filing a claim can cause higher rates. For example, if you live in an area where policyholders often submit claims for stolen property.
- Liability coverage limit. The more liability coverage you have, the higher your premium will be.
- Personal property coverage limit. The amount of coverage you have for your personal belongings is one of the most important factors in calculating your renters insurance rate.
- Deductible. A higher deductible means lower premiums and vice versa.
- Actual cash value vs. replacement cost. Replacement cost policies can pay out more, but they will cost more in premiums.
Whether you decide to stay in Portland or move to San Francisco,
Jerry
can help you find the most savings on your renters insurance. Jerry will give you competitive quotes from top insurance companies with the coverages you need and the best savings on the market. You can save even more if you bundle your new renters insurance policy with an auto policy.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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