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Best Homeowners Insurance Agencies in Alhambra

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John Diehl - State Farm Insurance Agent logo
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John Diehl - State Farm Insurance Agent

835 East Mariposa Street, Altadena, CA 91001
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  • Personal Property Insurance

Business Description

John Diehl is a State Farm Insurance Agent with more than 17 years of experience. Much of that is in tailoring State Farm's home insurance products for his clients to ensure they meet their coverage needs and have affordable premiums. Mr. Diehl can analyze the client's unique requirements and calculate the coverage they need, in addition to offering coverage they may not have considered, such as the replacement of particularly valuable personal items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (53)
Yelp
4.5 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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lordsinsurance.com logo
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lordsinsurance.com

15613 Beach Boulevard, Westminster, CA 92683
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Lords Insurance has been assisting clients in the Westminster and Alhambra areas with their insurance needs for more than two decades. The insurance agency offers homeowners' insurance that provides financial protection for the homes of its clients from unexpected disasters. Aside from the home, the standard policy also insures the contents of the home. Clients can also enjoy liability protection in case someone gets injured in their homes. Additionally, they will receive reimbursements for losses due to vandalism or theft.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
New Century Insurance Services Inc. logo
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New Century Insurance Services Inc.

16 North 2nd Street, Alhambra, CA 91801
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  • Renter's Insurance
  • Flood
  • Earthquake

Business Description

New Century Insurance Services Inc. offers insurance options to residents and business property owners in Alhambra and the surrounding areas. The agents help clients decide on the right homeowners' insurance policy for their private residences. The specific coverages under this policy include property insurance; scheduled property insurance for prized possessions, such as jewelry; in-home business protection; umbrella insurance; and identity theft expenses. The company has been in the insurance industry since 1988.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
5.0 / 5 (8)
Google
3.0 / 5 (2)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stephen B. Groton Insurance logo
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Stephen B. Groton Insurance

110 South Rosemead Boulevard, Pasadena, CA 91107
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  • Fire

Business Description

Stephen B. Groton Insurance is a company with over 30 years of experience helping residents in Alhambra and surrounding areas with all their insurance needs. It has various home insurance policies that provide coverage for damages caused by disasters, such as fire, lightning, hail, explosions, and theft. Apartment renters can take advantage of the company's rental insurance plans to protect their personal belongings from fire and burglary. Stephen B. Groton Insurance also offers auto, business, and life insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (41)
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Topco Insurance Agency, Inc. logo
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Topco Insurance Agency, Inc.

448 West Valley Boulevard, Alhambra, CA 91803
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  • Personal Property Insurance

Business Description

Topco Insurance Agency, Inc. offers insurance options to residents and business property owners in Alhambra and the rest of the region. The agents advise clients on the homeowners' insurance policy package, which covers the house and other structures, personal property protection, personal liability protection, and temporary living expenses in the case of complete loss of the house. Each policy is personalized depending on the risks included for coverage and the set limit for personal items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.6 / 5 (11)
Yelp
4.0 / 5 (7)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
VantagePlus Insurance Services logo
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VantagePlus Insurance Services

1404 West Valley Boulevard, Alhambra, CA 91803
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  • Multiple Policy Types

Business Description

VantagePlus Insurance Services is an insurance agency serving Alhambra. It was founded by Michelle Lim, a Covered California-certified agent. The company is committed to helping clients determine the right insurance policy that suits their needs. It offers homeowners' insurance policies that can cover a wide range of areas including the property, a client's personal belongings, additional living expenses, and liabilities. It carries insurance providers such as Travelers, Chubb, Safeco, First American, and CSE.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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