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It is estimated that property prices will continue to rise, making it more difficult to buy or maintain a home. And because of the low number of homeowners in the city, the cost of home insurance in San Francisco is much cheaper than the national average of $ 1,312. With a home coverage limit of $ 250,000, the average annual cost of home insurance is only $ 982. As a homeowner, it is a smart choice to have insurance to not only cover your most expensive investment against unforeseen disasters, but also to protect the savings of your life from depletion in the event of a disaster. Dailysanfranciscobaynews.com