Short answer: home insurance in San Francisco, CA 94102 depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026
ZIP 94102 · San Francisco, CA · San Francisco County
California statewide average: ~$1,492/yr (NAIC, 2022).
FAQ
How much is home insurance in ZIP 94102?
Rates in 94102 (San Francisco, CA) depend on coverage and profile. Compare free home insurance quotes from licensed partners.
Is ZIP 94102 in San Francisco?
Yes — 94102 is in San Francisco, San Francisco County, CA.
Nearby ZIP codes