High-Risk Home & Car Insurance in San Francisco

As the #1 home and car insurance agency in San Francisco, we know that getting good coverage isn’t easy for everyone. If you have been categorized as “high risk,” you may have a harder time getting a good insurance policy for your home, car, motorcycle, or boat. However, it is still possible to find great rates for insurance in San Francisco. Our team of friendly, experienced agents, working with our network of over 40 insurance companies throughout California, will go the extra mile to get you the coverage you deserve. We’ll help you compare rates and policies, no matter where you live or what has happened in your past.

When you shop for insurance coverage, every insurance company will look at a few different factors to determine whether they’ll offer you a policy. Based on these factors, they will assign you a risk level, which can affect the type of coverage they offer, your premiums, and more.

A few things that increase the risk for a car insurance policy are:

  • Past DUI/DWI convictions
  • Previous at-fault accidents
  • Multiple traffic violations
  • Driving a car with poor safety ratings
  • Very young or very old drivers

A few things that make a home insurance policy harder to obtain include:

  • Home is in area prone to fires or floods
  • Home is in high-crime area
  • Home is only occupied partially or seasonally
  • Home has previous insurance claims

In addition to these factors, things like your credit history and previous insurance coverage may affect your ability to obtain a new policy. However, even in cases of high-risk individuals, All County Insurance Services is the top home and care insurance agency in San Francisco, and we’re here to find you the best possible “high risk” coverage by comparing rates for your new policy. Even if you have been denied coverage before, you can count on us to fight for you. Fill out our online form or call us, the leading home and car insurance agency in San Francisco, at 877-436-7777 to learn more.