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Home Insurance in San Francisco and The Bay Area

Protecting Homeowners in San Francisco, CA

Home insurance is an important part of any homeowner or renter’s life, and this type of insurance protects more than just dwellings; it protects against injuries, both physical and psychological. It also protects against assets within and outside of homes. In some cases, protection even extends beyond home ownership, like injuries. The important thing to remember is that damages to a home, property, and/or to individuals can be expensive. At Riskguard Insurance Solutions we have a comprehensive home insurance program that provides protection against damages and this protection makes expensive costs far less of a concern for insured individuals than for uninsured or under insured individuals.

We customize our program to the needs of individual clients and we’ll adapt this program to you. As a result, you’ll have a broad and flexible policy and/or package that gives you total protection for the right price. 

Contact an agent or request a quote if you’re ready to start on a policy or read on to learn more.

Coverages and Policies Tailored to You

Basic home insurance coverages are often similar from policy to policy, but no two home insurance policies are the same. The structures, property, assets, and/or people who are insured under a policy and the rates for this policy all affect how one’s home insurance turns out. At Riskguard Insurance we assess your needs and get a full understanding of your situation and goals. Based on our assessments we identify the right coverages and create the best plan. This plan provides you with the protection you need for minimal costs.

Details that one would need to know when selecting home insurance coverages include when one is closing in escrow, whether or not one wants to insure for actual cash value or for replacement value, and whether or not a deductible should be high or low. These and other pieces of information are considered by us as we help clients create the right insurance plans. As we help you put together your plan, we’ll cover every aspect of your home-ownership and your general goals.

The coverages from which you can choose include:

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

We’re an independent agency so we can ‘shop’ on your behalf for the right coverages from different carriers. The diversity of your home insurance package that will result is a good thing; it denotes a solution that fits you and not one that is ‘one-size-fits-all.’

For a lot of Californians, standard coverages don’t protect homes completely. Earthquakes and floods are not uncommon risks that Californians face, and as a result many of our clients and homeowners in The Golden State add additional policies to their home insurance. We can find the best ways for you to do this if in fact you need extra coverage.

To save on your home insurance you can combine it with auto insurance; this makes you eligible for a discount and benefits that provide greater savings than standard discounts and benefits. See our home & auto page and/or speak with an agent to learn more about this combination.

Working with Riskguard Insurance Solutions

As an independent agency we have access to a large number of carriers and this means that we can provide options that other agencies cannot.Having access to excess and surplus-line markets does in fact mean that we can insure just about anyone and any home, even homes that are hard to place normally. If you think your house or even you can’t be insured, please contact us and ask us. Chances are we can get you the policy you need.

We manage risk and claims and provide ongoing education for our clients. This helps our clients reduce costs and have advocates if and when claims are filed. It also helps our clients get the information they need in order to make the best decisions about their insurance, including making the best investments.

We’re fully available and can be reached however and whenever our clients need to reach us. Via, email, phone, and/or one-on-one interactions, we’re available.

Please contact us or give us a call to learn more or to get started. If you’re ready to begin on a policy, feel free to request a quote.

Riskguard Insurance Solutions is proud to provide home insurance in San Francisco, Los Angeles, San Jose, Sacramento, San Diego, and Stockton, CA. We also serve other areas in the state and we serve Oregon, Nevada, Arizona, and Texas.

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Read our feature "What's Really Covered By Your Home Insurance?" on, a top resource for California realty, Texas properties, Florida real estate

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Our Location

Riskguard Insurance Solutions

422 Presidio Ave.
San Francisco, CA 94115
Main office: 415-202-6869
Fax: 415-447-4181

Our Providers


Thank you to Christine who went above & beyond to lend a helping hand by providing us with quotes for our food truck business (which is a fairly new category to cover in the insurance world, I'm told). She was super patient with all of our questions, was prompt in communication, and is an all-around wonderful gal! Aside from our small business, I trust her to take care of my personal assets too

Sophie F.
I've used the Irene Herman Insurance for a few of my insurance needs! They helped me find health insurance when I was down and out and had pre-existing conditions (before Obamacare came along), and we worked long and hard to find a policy that would work for me. Also, they helped me find a better deal for my home insurance, and they're there when I need help to look for better car insurance rates. They're constantly on the look out for me and let me know if I can ever find better rates with another company, so I know they're on my side. It's a small family business, and they're good, kind people. I'm happy to work with cool people like this.

Katie H.
For the past year, Irene Herman Insurance Services has helped me and my business with a variety of insurance needs. They have consistently provided excellent and prompt service. I discovered Irene Herman Insurance via a website (don't remember which one) to request quotes for w/c, general and professional liability insurance for my business. I was contacted right away by Geoff Herman. Geoff was a huge help in helping us obtain the insurance we needed for a contract with the City of LA at a reasonable price. This was no small feat - we knew of a similar business that was having a hard time getting the E & O insurance. (We recommended them to Geoff and he helped them out, too.) Geoff also helped us with changing our medical and dental insurance for our business. For our personal insurance needs, Geoff helped us obtain life insurance and Iris Htwe assisted us with renters insurance. They are always available to answer questions and they respond very quickly to my emails. We've relied on Irene Herman Insurance Services for a number of different insurance needs over the past year and it has put my mind at ease to have them on my team.

Linda R.
I am not the type to write reviews but Geoff's service has been so amazing during a recent emergency situation that I decided to take a minute and offer my praise. Geoff's service has been excellent from the beginning. Promptly returns phone calls, excellent pricing, excellent knowledge of the industry, calm during a crisis, and a nice guy as well. And when the crap hit the fan recently, he went the extra mile repeatedly

David A.