Insurance Agent Serving San Francisco, CA
Your Farmers agent for San Francisco, California
Renters, condo, earthquake, auto, life, and business coverage, handled by phone, text, and email.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteSan Francisco packs a lot into 49 square miles, from the Mission, Noe Valley, and SoMa to the Sunset, the Richmond, the Marina, and Bayview. Most residents rent, many own condos, and the whole city sits in earthquake country, so renters, condo, and earthquake coverage come up more here than almost anywhere. Our team works remotely and serves San Francisco clients by phone, text, and email.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30, visits by appointment
Phone: (909) 972-0699
Coverage we write for San Francisco residents
Renters
Your landlord's policy covers the building, not your belongings. Renters coverage protects your things and your personal liability, usually for a small monthly cost.
Renters coverageCondo
Your HOA's master policy rarely covers everything inside your unit, including upgrades and loss assessments. We help you close the gap.
Condo coverageEarthquake
Standard home, condo, and renters policies do not cover earthquake damage. We compare California Earthquake Authority and private earthquake options.
Earthquake coverageHomeowners
Older San Francisco homes can cost far more to rebuild than their age suggests. We review replacement cost and dwelling limits with you.
Home coverageAuto
Street parking, tight hills, and heavy traffic on US-101, I-80, and I-280 make the right comprehensive and collision coverage important.
Auto coverageLife
Protect your family's income and mortgage with life coverage built around your budget.
Life coverageCoverage for San Francisco businesses
We work with San Francisco business owners, from restaurants and shops to professional offices and landlords, on liability, property, cyber, and workers' comp.
Business Insurance
General liability, property, and business owner policies for shops, offices, and service businesses.
Business coverageWorkers' Compensation
California requires employers with employees to carry workers' comp, even with just one employee.
Workers' compLandlords and Rental Property
Coverage for owners of rental homes, flats, and small apartment buildings.
Landlord coverageRestaurants
Liability, property, and workers' comp for restaurants, cafes, and bars.
Restaurant coverageWhy San Francisco residents work with Young Douglas
Real people, not a call center
You get a licensed agent who knows your policies, by phone, text, or email. When something happens, you call people who know you.
More than one company
We are a Farmers agency and are also appointed with other carriers, so if one company says no, we keep looking.
Help with California's changing rules
California raised its minimum auto liability limits to 30/60/15 starting January 1, 2025, and the home insurance market has tightened for many homeowners. We keep you informed when changes affect your coverage.
San Francisco neighborhoods we serve
We serve all of San Francisco, including the Mission, Noe Valley, SoMa, the Sunset, the Richmond, the Marina, and Bayview. We also help clients across the bay in Oakland and down the peninsula in San Jose.
Curious what coverage might cost first? Try our insurance cost estimator.
Frequently asked questions
Can a Farmers agent based in Ontario help me if I live in San Francisco?
Yes. Farmers Insurance, Young Douglas serves clients across California. Our team works remotely, so San Francisco clients work with us by phone, text, and email, and in-person meetings at our Ontario office are available by appointment.
Does renters insurance cover earthquakes in San Francisco?
No. Standard renters policies exclude earthquake damage. Renters can add separate earthquake coverage for their belongings and living expenses through the California Earthquake Authority or a private carrier.
What are the minimum car insurance limits in California?
Since January 1, 2025, California requires at least $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage (30/60/15). Many drivers choose higher limits for better protection.
Do I need workers' comp if my San Francisco business has only one employee?
Yes. California requires employers to carry workers' compensation for their employees, even if you have only one.
Can I bundle renters and auto insurance in San Francisco?
Yes. Bundling renters, condo, or home coverage with auto is common and may qualify you for a multi-policy discount.
Get your free San Francisco quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
All areas we serve
Farmers Insurance, Young Douglas serves drivers, homeowners, families, and businesses across California, including Los Angeles, San Diego, San Jose, San Francisco, Oakland, Sacramento, Fresno, Bakersfield, Long Beach, Anaheim, Irvine, Santa Ana, Huntington Beach, Santa Clarita, Glendale, Pasadena, and the Inland Empire from our home office in Ontario.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.