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Best Homeowners Insurance Agencies in Carlsbad

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2023
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All Access Insurance Services, LLC logo
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All Access Insurance Services, LLC

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2216 El Camino Real, Suite 209, Oceanside, CA 92054
  • Renter's Insurance
  • Condos

Business Description

All Access Insurance Services LLC is an independent insurance agency that works with hundreds of insurance carriers to find the right coverage for residents in Carlsbad and surrounding areas. They do all kinds of insurances. It also has home insurance that covers property damages and liability for any injuries that occur to other people while on the property. The agency offers different types of renters insurance to protect a customer's valuables from various disasters. All Access Insurance also has additional insurance coverage for earthquakes and floods.

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
4.9 / 5 (13)
Yelp
5.0 / 5 (8)

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
Brian Crumbaker - Brightway Insurance Agent logo
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Brian Crumbaker - Brightway Insurance Agent

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5814 Van Allen Way, Carlsbad, CA 92008
  • Renter's Insurance
  • Condos

Business Description

Headquartered in Carlsbad, Brian Crumbaker's Brightway Insurance is an agency that helps homeowners secure coverage for their valuables and properties. The agency works to determine suitable insurance policies for clients whose homes have sustained damages or losses due to theft, fire, water, and weather events. Brightway Insurance also helps homeowners determine replacement values, deductibles, and potential needs for flood-specific insurance policies. The firm is headed by owner Brian Crumbaker, who has over 20 years of experience in property and casualty insurance.

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
4.4 / 5 (87)
Google
5.0 / 5 (17)

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
Consumer Insurance Services Inc. logo

License Verified:

License: 0E77977

California Department of Insurance

Consumer Insurance Services Inc.

5355 Avenida Encinas, Carlsbad, CA 92008
  • Multiple Policy Types

Business Description

Catering to clients in Carlsbad and surrounding areas, Consumer Insurance Services Inc. has been in service since 1996. Clients can follow the company's three-step process to receive custom quotations. First, by conducting research on any particular kind of insurance that they're interested in via the company's Insurance University. Then, requesting by accomplishing and filing quote request forms, and finally receiving custom-tailored quotes from premium insurance companies. The company's offerings include home, landlord, automobile, renters, flood, and life insurance.

License Verified:

License: 0E77977

California Department of Insurance

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.
4.0
Google
5.0 / 5 (2)
Yelp
3.0 / 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
Harding Insurance Agency, Inc. logo

Harding Insurance Agency, Inc.

6150 Yarrow Drive, Carlsbad, CA 92011
  • Earthquake
  • Flood
  • Fire

Business Description

Harding Insurance Agency Inc. serves the Carlsbad metro area and provides homeowners with comprehensive insurance options. Its agents sell policies that pay out expenses related to repairing damage to homes and they also work with clients to inform them on coverage and help them to select the best policies available. Harding Insurance Agency Inc. presents rates offered by several different carriers so that clients can choose competitive prices. Business insurance is offered here as well.

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
Google
4.7 / 5 (13)
Facebook
4.6 / 5 (9)
Yelp
4.0 / 5 (5)

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
Hatter, Williams & Purdy Insurance Services logo
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Hatter, Williams & Purdy Insurance Services

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2230 Faraday Avenue, Carlsbad, CA 92008
  • Condos
  • Flood
  • Fire

Business Description

Hatter, Williams, & Purdy Insurance Services is a large independent insurance broker in Carlsbad that has helped individuals and businesses with all their insurance needs since 1947. Its home insurance plans protect homes, condos, and apartments from property losses due to fire, theft, vandalism, and water damage. The broker also offers additional home insurance coverage for earthquakes, floods, and other natural disasters. Hatter, Williams, & Purdy Insurance has insurance policies for automobiles, watercraft, premises liability, and worker's compensation.

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 (18)
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
Holt Insurance Services, Inc. logo

Holt Insurance Services, Inc.

P.O. Box 1639, Carlsbad, CA 92008
  • Earthquake
  • Multiple Policy Types
  • Fire

Business Description

Founded in 2003, Holt Insurance Services Inc. offers individualized and attentive personal and business insurance services to people residing in Carlsbad. The insurance agents assess the clients' needs and risks and recommend the best homeowner insurance policy that covers their specific needs. The agency covers rental insurance, vacation and beach homes, garage, personal property, and medical expense liabilities. Living expenses in case of disaster or unforeseen damages is also covered.

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.
4.5
Google
4.4 / 5 (6)
Yelp
5.0 / 5 (5)

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
John Altenbern - Farmers Insurance Agent logo
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John Altenbern - Farmers Insurance Agent

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640 Grand Avenue, Carlsbad, CA 92008
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

John Altenbern - Farmers Insurance Agent protects homes and homeowners in and around Carlsbad. It is a homeowners' insurance agency securing clients and their dwellings from damage caused by fires, strong winds, lightning, and vandalism. It also safeguards the contents of the home, such as electronic appliances and furniture. The agency also has coverage for clients against injury claims of guests. John Altenbern - Farmers Insurance Agent has been in the insurance business for more than 27 years.

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
Google
5.0 / 5 (9)

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
Ken May Insurance Services logo
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Ken May Insurance Services

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3146 Tiger Run Court, Carlsbad, CA 92010
  • Multiple Policy Types

Business Description

Ken May Insurance Services is an insurance company in Carlsbad that aims to help families and individuals obtain financial protection. Its team of professionals assists clients and educates them on the benefits of purchasing personal or commercial insurance. This agency offers home insurance to protect the clients' assets with its coverage. The policy insures homes against disasters such as storms, fires, and wind damage. The coverage also includes dog bite liability, manufactured home coverage, and replacement cost for personal property.

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
Google
5.0 / 5 (45)
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
NCPA Insurance Services logo
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NCPA Insurance Services

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5650 El Camino Real, Carlsbad, CA 92008
  • Personal Property Insurance
  • Renter's Insurance
  • Multiple Policy Types

Business Description

NCPA Insurance Services is a family-owned and operated business based in Carlsbad. The agency helps clients with various insurance policies including home insurance. Its team provides home insurance plans that cover property damage. Home insurance policies also protect homeowners from injury claims and property damage claims. Home insurance covers most disasters except floods and earthquakes. NCPA Insurance Services works with multiple insurance providers such as Kemper and Mercury Insurance. The agency has been in business for 26 years.

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
4.7 / 5 (49)
Yelp
4.0 / 5 (35)
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

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.