Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Carlsbad

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Carlsbad Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

73Reviewed

47Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2230 Faraday Avenue, Carlsbad, CA 92008

Expertise.com Rating

Review Sources

Yelp
5.0 (18)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Condos
  • Flood
  • Fire

P.O. Box 1639, Carlsbad, CA 92008

Expertise.com Rating

Review Sources

Google
4.4 (6)
Yelp
5.0 (5)

Why choose this provider?

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.

  • Earthquake
  • Multiple Policy Types
  • Fire

5650 El Camino Real, Carlsbad, CA 92008

Expertise.com Rating

Review Sources

Google
4.7 (49)
Yelp
4.0 (35)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Personal Property Insurance
  • Renter's Insurance
  • Multiple Policy Types

640 Grand Avenue, Carlsbad, CA 92008

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

6150 Yarrow Drive, Carlsbad, CA 92011

Expertise.com Rating

Review Sources

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

Why choose this provider?

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.

  • Earthquake
  • Flood
  • Fire

5355 Avenida Encinas, Carlsbad, CA 92008
WebsiteLicense: 0E77977

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
3.0 (2)

Why choose this provider?

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.

  • Multiple Policy Types

3146 Tiger Run Court, Carlsbad, CA 92010

Expertise.com Rating

Review Sources

Google
5.0 (45)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Multiple Policy Types

5814 Van Allen Way, Carlsbad, CA 92008

Expertise.com Rating

Review Sources

Facebook
4.4 (87)
Google
5.0 (17)

Why choose this provider?

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.

  • Renter's Insurance
  • Condos

2216 El Camino Real, Suite 209, Oceanside, CA 92054

Expertise.com Rating

Review Sources

Google
4.9 (13)
Yelp
5.0 (8)

Why choose this provider?

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.

  • Renter's Insurance
  • Condos

FAQs

  • 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.
  • If your house in Carlsbad gets completely destroyed in a fire, does homeowners insurance allow you to rebuild the house in another location?

    According to Assembly Bill 2199, a homeowner is allowed to rebuild their house in a different location in the event of total destruction. You can choose to reconstruct your Carlsbad house in another city in California. The bill also gives you 24 months, starting from the date the insurer pays the actual cash value, to repair or rebuild your damaged home after a “state of emergency” situation. A period of 12 months is given if it’s a non-catastrophic event.

  • Do you have to tell your homeowners insurance provider in Carlsbad if you have a new dog?

    Yes, you need to inform your insurer about your new house dog and discuss dog bite liability. Homeowners insurance policies in Carlsbad include liability coverage, which may address expenses related to injuries or property damage caused by your dog but only up to a certain limit. Depending on your dog, you may want to consider getting supplemental coverage. If your dog’s breed grows large or is considered aggressive, it may have a higher risk of causing injury or property damage.

  • How can a home inventory help with your homeowners insurance claim in Carlsbad?

    A home inventory can make your homeowners insurance claim faster as it will tell you which items were damaged or lost. Use two methods when conducting the inventory: inventory listing and photo/video documentation. Homeowners insurance does not pay for damages from poor maintenance. The photos and videos would come in handy as proof of a damaged item’s previous condition. Make sure to store your inventory list and media files in another location outside your Carlsbad house for safety.

  • Does homeowners insurance in Carlsbad provide coverage for expensive items like jewelry, computers, or silverware collections?

    Homeowners insurance in Carlsbad provides coverage for expensive items but only up to a certain amount, usually up to $1,000 or $2,000. If your valuables cost more than the standard limits offered, talk to your insurance company about adding endorsements or floaters to your policy. You can purchase a separate endorsement to cover each piece or a whole collection.

  • Can the insurance company suddenly cancel your homeowners insurance policy in Carlsbad?

    No, you must be sent a notice 20 days before the cancellation’s effective date. If the cancellation is due to fraud or non-payment of your premiums, the Carlsbad insurer must notify you 10 days before cancellation. There are situations when the insurer is not canceling but will also not be renewing your policy anymore. In this case, the insurer should send you a notice of nonrenewal 75 days prior to your policy’s expiration date.

  • 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.

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