Best Homeowners Insurance Agencies in Chico

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Avrit Insurance Agency, Inc. logo

Avrit Insurance Agency, Inc.

2735 Esplanade, Chico, CA 95973
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  • Personal Property Insurance
  • Multiple Policy Types

Avrit Insurance Agency, Inc. is a locally-operated and independently-owned company in Chico that has been servicing home and business owners since 1984. Since it is independent, the company is not tied to any one insurance provider and can provide coverage options from several insurance companies. It handles the research and price comparison to make it easier for its clients to choose the policy best suited for their needs and budget. If a home damaged or destroyed, the insurance typically pays for the repairs and reconstruction.

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Chico Creek Insurance Services logo

Chico Creek Insurance Services

500 Cohasset Road, Chico, CA 95926
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Condos

Founded in 2013, Chico Creek Insurance Services is an independent agency that provides dependable insurance options for homeowners in Chico and surrounding areas. Its agents offer a variety of home insurance plans that covers a client's property or personal losses from fire, theft, or other events. In addition to insurance for secondary or vacation homes, it has coverage for floods, earthquakes, and jewelry. Chico Creek Insurance also provides insurance for automobiles, commercial businesses, and apartment renters.

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Chico Creek Insurance Services logo

Chico Creek Insurance Services

500 Cohasset Road, Chico, CA 95926
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  • Personal Property Insurance
  • Multiple Policy Types

Chico Creek Insurance Services is an independent insurance agency headquartered in Chico. It provides a variety of homeowners' policies that help safeguard clients from financial losses caused by events such as fire and theft. The policy pays for lost valuables, additional living costs, repairs of damaged homes, and medical expenses for injuries sustained by another person on the client's property. Chico Creek Insurance Services also offers insurance lines for rental dwellings, beach homes, high-value homes, and secondary residences.

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heritage-agency.com logo

heritage-agency.com

290 Airpark Boulevard, Chico, CA 95973
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  • Multiple Policy Types

Heritage Insurance Agency is a Chico agency that has been helping clients protect themselves with insurance policies since 1978. As an independent agency that works with multiple insurance carriers, Heritage gives its clients the power to choose the homeowners' insurance policy that serves their needs best. Home insurance policies help property owners protect their biggest assets against accidents, liabilities, and disasters that could lead to financial ruin. Heritage Insurance Agency also provides agribusiness, farm, and commercial insurance policies.

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Jeff Fowler Insurance Services logo

Jeff Fowler Insurance Services

426 Broadway Street, Chico, CA 95928
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  • Multiple Policy Types

Jeff Fowler Insurance Services addresses diverse insurance needs in the Chico metro. This company works with different insurers, including Chubb, Pacific Life, and Liberty Mutual Insurance, to find insurance deals that match clients' needs. It maintains an online platform for homeowners' insurance quote requests. Its insurance agents walk homeowners through insurance options, educate them on insurance basics, and design homeowners' insurance plans for sufficient property and home coverages. They also assess potential risks to ensure clients receive adequate financial protection.

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Joni Ginno - State Farm Insurance Agent logo

Joni Ginno - State Farm Insurance Agent

1915 Esplanade, Chico, CA 95926
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  • Multiple Policy Types

Joni Ginno - State Farm Insurance Agent in Chico has provided residents with a wide range of comprehensive insurance plans since 1998. Ms. Ginno and her team of agents offer home insurance policies to protect the personal belongings of homeowners from fires, theft, vandalism, and severe storms. Apartment renters can purchase rental insurance to cover their valuables in the event of any damages from disasters. The agency also has insurance policies available for cars, health, life, and disability.

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Matt Davis Insurance Agency logo

Matt Davis Insurance Agency

175 East Avenue, Chico, CA 95926
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  • Multiple Policy Types

Since 1991, Chico-based Matt Davis Insurance Agency has helped homeowners manage risks and financially protect their residence with an insurance plan. The agents discuss clients' needs and deliver a personalized policy that fits their requirements. The company's policies commonly cover damages and losses to the property itself, along with its contents and any personal belongings. Loss of use coverage and liability protection for accidents that occur on the property can also be obtained. Matt Davis Insurance Agency offers bundling options for multiple policies.

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Nevin and Witt Insurance & Financial Services logo

Nevin and Witt Insurance & Financial Services

1600 Mangrove Avenue, Chico, CA 95926
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  • Flood
  • Multiple Policy Types

Nevin and Witt Insurance & Financial Services is an independent agency that has helped the residents of Chico obtain reliable insurance coverage since 1950. Its agents are equipped to find the right home insurance policy from a wide range of insurance carriers, such as Aegis, Mercury Insurance, and Progressive. It has rental insurance options available for apartment renters wishing to protect their valuables from fire, theft, and floods. The agency also has auto, dental, pet, vision, and life insurance.

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rhionelsoninsurance.com logo

rhionelsoninsurance.com

2615 Forest Avenue, Chico, CA 95928
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  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

Rhio Nelson Insurance Agency Inc. is a local insurance company servicing individuals in Chico and the surrounding areas for over 30 years. The company represents over 50 insurance carriers and has agents with extensive backgrounds in the insurance industry. The agency's primary service is providing insurance for properties located in foothills. Its team also finds insurance coverages for mobile homes, seasonal homes, rentals, boats, and trailers. Owner Rhio Nelson has served the U.S. Air Force in the past before founding an insurance company.

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Titus Pacific Insurance Services logo

Titus Pacific Insurance Services

2068 Talbert Drive, Chico, CA 95928
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  • Multiple Policy Types
  • Multiple Carriers
  • Renter's Insurance

Titus Pacific Insurance Services is an independent agency that has helped people obtain the right insurance coverage to protect their homes in Chico since 1922. It offers various home insurance policies to protect properties from losses such as fire, hail, vandalism, and theft. The agency has rental insurance to cover a renter's furniture, clothes, electronics, and other items against theft, fire, and floods. Titus Pacific Insurance also provides insurance coverage for autos, boats, health, and commercial properties.

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Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

A: 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.

Q: What should a homeowners\' insurance include/cover?

A: 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.

Q: How frequent should one change auto or homeowners\' insurance to another provider?  

A: 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.

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