Expertise.com

Best Homeowners Insurance Agencies in Alhambra

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Homeowners Insurance Agencies FAQs 〉

Providers

Last updated:

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

Why choose this provider?

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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

Website
110 South Rosemead Boulevard, Pasadena, CA 91107
  • Fire

Why choose this provider?

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

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

Why choose this provider?

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • How does Alhambra's homeowners' insurance compare to the national average, and what are some ways to reduce costs, given California's higher cost of living?

    Homeowners in Alhambra typically spend between $1,000 and $2,000 per year on home insurance. However, various insurers in the state offer discounts. Homeowners can also save money by combining their home and auto insurance policies, installing home security or fire systems, maintaining good credit, and avoiding insurance claims. While California's living costs are high, its wages outperform national averages.

  • What should Alhambra residents be aware of regarding their homeowner's insurance when relocating their belongings?

    When moving, Alhambra residents should review their homeowner policies. Some insurance policies cover belongings regardless of where they are, whereas others do not cover items once they leave the home. Residents should consult their agents to avoid unanticipated losses. Consider moving insurance if their policy falls short. Movers are required by law to provide additional coverage for personal belongings, but individuals may need to supplement this to achieve comprehensive protection.

  • What additional insurance might Alhambra homeowners consider given local natural disaster risks?

    While Alhambra residents may expect standard policies to protect them against all hazards, they frequently do not cover floods, earthquakes, or specific fire incidents. Floods are common in California's rainy environment, but standard home insurance excludes flood damage. Separate flood and earthquake policies provide tailored protection for these disasters. Furthermore, while home insurance policies frequently include basic fire coverage, consider supplemental fire insurance for comprehensive protection against California's wildfire risks.

  • How can Alhambra residents who live in unique housing, such as eco-friendly homes or tiny houses, ensure that they are adequately insured?

    Residents of Alhambra who own unique homes, such as eco-friendly or compact designs, are not limited to standard insurance options. There is an energy-efficient endorsement for green homes that specifically protects renewable systems from unforeseen disasters. Similarly, because of their size and maneuverability, tiny homes necessitate unique policies. These plans frequently include safeguards against theft, fire, potential liabilities, and medical emergencies resulting from injuries on the property's grounds.

  • Why can't former Alhambra residents use renters insurance to protect their newly purchased homes?

    Renters in Alhambra transitioning to homeownership should be aware that renters insurance does not protect the physical structure of homes. While both types of insurance cover medical bills, property damage, liability, and out-of-pocket expenses, homeowners insurance only covers the home. This includes the floors, doors, walls, and roof of the house. Unlike tenants, homeowners are responsible for repairing damage to their properties, emphasizing the importance of homeowner's insurance.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2023

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.