San Francisco, CA Homeowners Insurance

Insuring Your San Francisco Home

What is Homeowner’s Insurance?

Homeowner’s insurance protects you against damages to your house and your belongings inside from causes such as a fire, theft, or a windstorm. It can also protect you from liability expose. For example, homeowner’s insurance usually protects you from someone being injured on your property.

Who Needs Homeowner’s Insurance?

Ideally, anyone with a home should highly consider having homeowner’s insurance.

If you have a mortgage, you will usually be required to have homeowner’s insurance. If you do not have a mortgage, it is still a good idea to protect your investment by having homeowner’s insurance.

The question is, how much homeowner’s insurance should you have? Just give us a call and we’d be happy to assist you. Just be prepared to provide some information about your home, such as:

  • Square footage
  • Roof type
  • Recent improvements (renovations, extensions, etc.)

What does a Homeowner’s Insurance Policy Typically Cover?

A standard homeowner’s insurance policy will typically cover damages caused by fire, hail, lightning, windstorm, theft, and vandalism.

Other hazards, such as floods and earthquakes, are typically not covered by standard homeowner’s policies, however, there are additional coverage options available.

The types of coverage common policies provide are:

  • Dwelling Coverage: Dwelling means the entire structure of your home. It protects the structure, built-in appliances, and wall-to-wall carpet from damage.
  • Other Structure Coverage: This applies to structures that are on your property but not attached to your dwelling (home), such as shed, garage, guest home.
  • Personal Property Coverage: This protects personal belongings in your home such as furniture or electronics.
  • Liability Coverage: This pertains to damage costs associated with bodily injuries by guests on your property. It also covers other expenses that arise from this situation such as medical bills, loss of income, pain and suffering and more.
  • Loss of Use Coverage: This covers you in the event that you need to temporarily move out of your home. It will cover additional housing and living expenses that you incur.

Our Process


Work with a Homeowner’s Insurance Expert

O’Kane & Tegay Insurance Brokers takes the guesswork out of choosing the right homeowner’s insurance policy for you. Our team stays up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the right coverage.

Need to update your policy? No problem. Reach out to your agent at any time and enjoy the quick response you need, paired with service so friendly and helpful it feels like a throwback.


Get Quotes from the Country’s Top-Rated Insurance Companies

As an insurance broker, O’Kane & Tegay’s role is to give you access to policies from the best insurance companies in the country. Whether you need homeowner’s insurance, renter’s insurance, automobile vehicle insurance, personal umbrella insurance, collections and other valuables insurance, or personal watercraft to comply with state laws, you can find it here.


Select Your Quote

Have questions about the pros and cons of your quotes, our experts are here through every step of the process. Making sure you get the right coverage for the best price. We help keep your valuables safe.

Call 415-242-8777 Monday – Friday: 8 AM – 5:30 PM PST

Happy Customers

Thanks O’Kane & Tegay! I’ve been a happy customer for a few years and have always appreciated the good rates. I’m also very impressed with their friendly, quick and efficient customer service. I highly recommend you call or visit these guys if you need a new insurance policy or want a better rate and/or better service.

Brian B.

A friend of mine refered me to these guys for an event I was planning here in San Diego. Yes they are in San Francisco and I am in San Diego. I can not begin to tell you how easy this was. I dont understand insurance and I dont want to understand insurance. They helped me feel at ease from start to finish. Fast easy affordable. I never thought that existed when dealing with insurance before now. Great job and thanks for the help!

Doof R.

Grab-N-Go Information

Top 5 Risks To Your House
  • Water Damage
  • Weather-Related Roof/Flashing Damage
  • Frozen Pipe Damage
  • Theft
  • Fire Damage
Real Talk About
Homeowner’s Insurance

Check out our blog for the latest news about managing risk for your house.

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