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Best Homeowners Insurance Agencies in Chula Vista

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Alcott Insurance Agency logo
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Alcott Insurance Agency

3945 Idaho Street, San Diego, CA 92104
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  • Renter's Insurance
  • Multiple Carriers
  • Flood

Business Description

Alcott Insurance Agency serves the Chula Vista metro area and offers homeowners' insurance policies. Clients can purchase specific types of coverage or opt for all-inclusive plans. Property insurance is available to cover homes themselves, and personal property coverage is available to cover the contents inside. Alcott Insurance Agency also sells liability insurance to protect customers from lawsuits if others are injured while on their properties. Policies for medical insurance and living expense insurance are also available to help customers handle the loss of their homes.

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
4.8 / 5 (13)
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
Altra Insurance logo
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License Verified:

License: 0M40459

California Department of Insurance

Altra Insurance

651 Palomar St A3, Chula Vista, CA 91911
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  • Renter's Insurance

Business Description

Altra Insurance is an independent agency catering to the needs of individuals, families, and business owners in Chula Vista. The agency offers homeowners solutions to managing property risks such as accidents, asset loss, and structure loss and damage. They guide clients in deciding the type of policy based on geographical area, select from a variety of add-on options, and help in understanding liability limits. Altra Insurance also provides insurance products for businesses, renters, and vehicles.

License Verified:

License: 0M40459

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.
4.9
Google
4.9 / 5 (135)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Beacon Insurance Services Inc logo
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Beacon Insurance Services Inc

4420 Hotel Circle Court, San Diego, CA 92108
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Beacon Insurance Services Inc. is an independent insurance agency selling homeowners' insurance policies from a multitude of carriers. It offers homeowners' insurance for the structure of homes and property policies for any contents and other belongings. Customers can purchase homeowners' liability policies to cover the risk of injury on their properties and protect them from the financial losses of lawsuits. Coverage is also available for mobile homes and condominiums, both landlords and renters, and for in-home businesses.

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
Yelp
4.5 / 5 (9)
Google
3.8 / 5 (4)

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
Carlos Solorzano logo
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License Verified:

License: 0M78565

California Department of Insurance

Carlos Solorzano

1105 Broadway Suite #202, Chula Vista, CA 91911
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  • Personal Property Insurance

Business Description

Carlos Solorzano provides State Farm's homeowners' insurance solutions to residents in Chula Vista. The policy coverage includes personal property replacement and repair costs in case of damage or loss. He also offers life, health, pet, business, and property insurance. In addition, its vehicle insurance policies cover trucks and cars. Driven by a mission to serve the people, Solorzano, and his team helps families obtain financial security during unexpected events. Services are provided in English and Spanish.

License Verified:

License: 0M78565

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.
3.9
Google
4.4 / 5 (29)
Yelp
4.0 / 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
Chuck Miller Insurance Services Inc logo
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Chuck Miller Insurance Services Inc

8626 Jamacha Blvd, Spring Valley, CA 91977
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Chuck Miller Insurance Services Inc. is an insurance company based in Spring Valley, California. The company offers home insurance for single-family houses, RVs and mobile homes, condos, and other properties. It also provides auto, commercial, and life insurance. The team of insurance advisers at Chuck Miller Insurance Services has more than three decades of experience. The company is happy to work with customers that have been turned down for policies in the past.

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
4.5 / 5 (35)
Yelp
4.0 / 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
CSS Insurance Services, LLC logo
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License Verified:

License: 0I81019

California Department of Insurance

CSS Insurance Services, LLC

40 Third Avenue, Chula Vista, CA 91910
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  • Multiple Policy Types

Business Description

CSS Insurance Services, LLC, serves clients in Chula Vista. It offers homeowners' insurance policies that cover the infrastructure, personal possessions, and liabilities of owners in case of loss, damage, and injuries. The insurance broker also prepares a wide range of business insurance coverage options for commercial properties and liabilities, medical payments, business income, and electronic data processing equipment. CSS Insurance Services has been a family-owned and family-operated business since its establishment in 1966.

License Verified:

License: 0I81019

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.
5.0
Google
5.0 / 5 (100)
Yelp
5.0 / 5 (12)
Facebook
3.7 / 5 (3)

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
Danny Patel logo
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License Verified:

License: 0633335

California Department of Insurance

Danny Patel

345 F Street, Suite 160, Chula Vista, CA 91910
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  • Personal Property Insurance

Business Description

Danny Patel is a State Farm agent providing home insurance products to clients in Chula Vista and the surrounding communities. He helps individuals protect their properties from damages caused by natural disasters, fire, and vandalism through homeowners' insurance plans. These plans also cover clients' musical instruments, cameras, sports equipment, furniture, appliances, and electronics. He also serves individuals who wish to add pet insurance to their homeowners' insurance policies. Patel is also available for life, disability, and liability insurance plans.

License Verified:

License: 0633335

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.
4.8
Google
4.8 / 5 (69)
Yelp
4.5 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Dave Scott - State Farm Insurance Agent logo
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Dave Scott - State Farm Insurance Agent

8110 La Jolla Shores Drive, La Jolla, CA 92037
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Dave Scott, State Farm Insurance Agent, is an agency offering homeowners' insurance near Chula Vista. Clients can purchase policies that cover their homes in case of natural disasters, fires, vandalism, or other occurrences. They can also obtain coverage for their property should it be damaged or stolen. Dave Scott, State Farm Insurance Agent, also helps clients to purchase coverage for automobiles, small businesses, and their end-of-life expenses. Insurance Agent Dave Scott consults clients on their needs and guides them through the entire purchase process.

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
4.4 / 5 (7)
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
Eastlake Insurance logo
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Eastlake Insurance

884 Eastlake Parkway #1626, Chula Vista, CA 91914
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  • Renter's Insurance

Business Description

Eastlake Insurance Services offers a variety of coverages to commercial and residential clients in Chula Vista. It offers homeowners' insurance to cover liability, losses, and damages to property and belongings in case of fire, burglary, and other covered events. Its team has access to several carriers and assists customers in choosing suitable options. The company also provides other property coverages for renters and condos. Other policies offered include business, auto, and life insurance. The independent agency has been providing services for 50 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 (102)
Yelp
4.5 / 5 (9)
Facebook
5.0 / 5 (3)

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
Garrison Insurance Agency logo
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Garrison Insurance Agency

553 Telegraph Canyon Rd, Chula Vista, CA 91910
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Founded in 1973, Garrison Insurance Agency is a family-owned and operated business located in Chula Vista, California. It offers home insurance solutions to residents in the greater San Diego area. The company tailors custom packages for each client based on their individual needs. It compares quotes among a wide range of insurance companies to obtain competitive rates. The company does not charge broker fees and provides quotes online. Garrison Insurance Agency also offers auto, life, and business 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
3.8 / 5 (17)
Yelp
3.5 / 5 (12)
Facebook
4.6 / 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
Hartley Cylke Pacific Insurance Services, Inc logo
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Hartley Cylke Pacific Insurance Services, Inc

2747 University Avenue, San Diego, CA 92104
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  • Multiple Policy Types
  • Condos
  • Renter's Insurance

Business Description

Hartley Cylke Pacific Insurance Services Inc. offers homeowners' insurance near Chula Vista to customers that need to protect their homes and cover repair or replacement costs in the event of a fire or natural disaster. This agency also sells renter's insurance to those who just need to cover the costs of their belongings. Condominium insurance is available for owners of single units or multifamily properties. Hartley Cylke Pacific Insurance Services Inc. helps clients to check quotes and select policies that best serve their needs.

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 (3)

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
Hoffman Honono Insurance logo
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License Verified:

License: 0424824

California Department of Insurance

Hoffman Honono Insurance

2090 Otay Lakes Rd. Suite 102, Chula Vista, CA 91913
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  • Personal Property Insurance

Business Description

Hoffman Honono Insurance is a family-owned and locally operated company that serves individuals, families, and businesses from Chula Vista and the surrounding areas. It provides homeowners' insurance policies with different types of coverage, including building, personal property, and personal liability. Other types of insurance plans that it offers include automobile, umbrella, and landlord insurance. The company is partnered with insurance carriers such as Travelers, Liberty Mutual, and Progressive. Hoffman Honono Insurance has been in operation for over six decades.

License Verified:

License: 0424824

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.
4.8
Google
4.9 / 5 (52)
Yelp
4.5 / 5 (11)

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
––
HUB logo
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HUB

9855 Scranton Road, San Diego, CA 92121
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  • Fire
  • Flood

Business Description

HUB is an insurance agency near Chula Vista offering homeowners' insurance policies. Policies are available to cover property, belongings, and lawsuits in case of liability. HUB offers flood insurance as well, and clients can purchase policies here whether they own their home or are renters looking for property insurance. Policies for mobile homes and condos are available. This agency also offers a multitude of policies in other categories, such as fine art insurance, auto insurance, and commercial 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.
4.9
Yelp
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
––
Insurance 4 Less logo
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Insurance 4 Less

11 Third Ave Ste D, Chula Vista, CA 91910
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  • Homeowners

Business Description

Insurance 4 Less in Chula Vista, California, provides home insurance as an insurance broker. The agency offers insurance for homeowners based on location, value of the house, mortgage company, and distance from fire hydrants and the nearest fire department. The company gives free online quotes on its policies in under five minutes. Insurance 4 Less also offers a variety of personal and commercial insurance products, including tourist auto insurance in Mexico.

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.
4.2
Google
4.3 / 5 (21)
Yelp
3.5 / 5 (9)
Facebook
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
Jenkins Financial Insurance Agency logo
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Jenkins Financial Insurance Agency

236 Jamacha Rd Ste 102, El Cajon, CA 92019
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  • Renter's Insurance
  • Fire
  • Personal Property Insurance
  • Homeowners

Business Description

Jenkins Financial Insurance Agency is a private, locally owned auto insurance agency that has served the Chula Vista, California, area since 1989. From its El Cajon office, the firm is able to provide California drivers with financial and medical coverage and property damage protection. In addition, the independent insurance agency offers customers the option to package auto insurance policies with other policies such as health, life, business, boat, home, and renters 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
Google
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
Lupita Solorzano Insurance & Tax Services logo
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Lupita Solorzano Insurance & Tax Services

124 E 30th St Ste F, National City, CA 91950
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  • Homeowners

Business Description

Founded in 2004, Lupita Solorzano Insurance & Tax Services is an insurance agency based in National City, California, that serves homeowners throughout Chula Vista and its surrounding areas. Founder Lupita Solozano offers over 25 years of experience providing policyholders with comfort and protection. The agency's Basic home insurance policies cover the structure, replacement costs, a set limit of personal possessions, living expenses during repairs, and liability coverage with supplemental plans for flooding and additional 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.
4.8
Facebook
4.8 / 5 (30)
Google
4.8 / 5 (22)
Yelp
5.0 / 5 (4)

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
––
MGH Insurance Services Inc. logo
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MGH Insurance Services Inc.

615 National City Blvd, National City, CA 91950
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Homeowners

Business Description

Founded in 1989, MGH Insurance Service Inc. is a family-owned insurance company located in the Chula Vista, California, metro area. Policy specialists work with multiple carriers to find the right amount of coverage at a competitive rate for houses, condos, and rental properties. Other insurance options include auto, motorcycle, boat, commercial vehicle, motor home, SR-22, worker's compensation, general liability, health, life, and business property policies. Services are available in English and Spanish.

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
4.0 / 5 (34)

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
Millan Group, Inc. logo
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Millan Group, Inc.

1096 Broadway, Chula Vista, CA 91911
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  • Multiple Policy Types

Business Description

Millan Group, Inc., offers insurance policies to clients in the Chula Vista area and the neighboring communities. Homeowners can get coverage for their properties in the event of a fire or natural disaster. They also cover compensation for the theft of personal items and vandalism. In addition, business clients can get policies for their vehicle fleets, along with workers' compensation and general liability insurance. Millan Group, Inc., has more than 20 years of experience in the insurance business.

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 (15)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pipeline Insurance logo
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License Verified:

License: 0C48666

California Department of Insurance

Pipeline Insurance

PO Box 880969, San Diego, CA 92168
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  • Renter's Insurance

Business Description

Pipeline Insurance provides financial protection to homeowners in Chula Vista and the surrounding areas. The agency offers coverage against natural disasters and personal injury liabilities to owners of houses, condominium units, and townhouses. It also has renters', auto, and umbrella insurance policies. Its agents personalize each client experience through strategy meetings, policy coverage assessments, and six-month policy checkups. Pipeline Insurance maintains offices in Austin and San Diego and carries products from insurers such as Chubb, Nationwide, and Travelers.

License Verified:

License: 0C48666

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.
5.0
Facebook
5.0 / 5 (3)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rapido Insurance Services logo
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Rapido Insurance Services

99 E Bonita Rd, Chula Vista, CA 91910
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  • Renter's Insurance
  • Homeowners

Business Description

Rapido Insurance Services is an independent agency offering home insurance consultation to customers living or leasing in the Chula Vista, California, metro area. It regularly educates clients on the extent of financial protection various types of coverage for property or liability offer them, and it explores their needs to find applicable areas of additional coverage. Besides home insurance coverage, its agents also provide automobile insurance services and can insure vehicles in Mexico 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.
4.9
Facebook
4.9 / 5 (49)
Google
5.0 / 5 (22)
Yelp
5.0 / 5 (13)

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
Richard Turner Insurance logo
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Richard Turner Insurance

3443 Camino del Rio South, San Diego, CA 92108
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  • Multiple Policy Types

Business Description

Richard Turners Insurance is an insurance agency that sells homeowners' insurance policies. It works with clients to help them find policies that offer the type and amount of coverage that they need. Clients can use this agency to purchase policies that cover the repair or replacement cost of their homes and possessions. Richard Turner Insurance facilitates the sale of each policy and acts as a contact point when clients need to make changes or claims. Auto, life, and business insurance policies are available 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.
4.9
Google
4.9 / 5 (58)
Yelp
5.0 / 5 (22)

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
Safer Insurance Agency logo
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Safer Insurance Agency

337-D E SanYsiro Blvd, San Ysidro, CA 92173
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  • Earthquake
  • Fire
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Safer Insurance Agency in San Ysidro, California, sells home insurance throughout the Chula Vista metro area. Established in 2000, the agency offers home insurance that includes standard coverage for fire, lightning, theft and burglary, and storm damage but also offers additional policies for earthquakes, floods, fire insurance for a rented house, and for renters. They also do instant DMV services, Commercial & Trucking Insurance. Safer Insurance specializes in auto insurance in California and Mexico but offers a range of personal and commercial insurance products.

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 (27)

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
Vianca's Insurance & Financial Services logo
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License Verified:

License: 0M48127

California Department of Insurance

Vianca's Insurance & Financial Services

737 3rd Ave Ste B, Chula Vista, CA 91910
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  • Multiple Carriers

Business Description

Established in 2008, Vianca's Insurance & Financial Services is an agency that serves Chula Vista residents. It provides clients with home insurance options that protect their home structure and personal belongings like clothing, furniture, and electronics. Homeowners can also choose plans that cover hotel and meal expenses while their property is being repaired. The company's agents, some of which are fluent in Spanish, also offer life, car, business, and retirement insurance products. Vianca's Insurance & Financial Services is a member of the Hispanic Chamber of E-Commerce.

License Verified:

License: 0M48127

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.
4.9
Google
4.8 / 5 (18)
Facebook
5.0 / 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
Willy's Insurance Service Inc. logo
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License Verified:

License: 0L80848

California Department of Insurance

Willy's Insurance Service Inc.

350 E Street, Chula Vista, CA 91910
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  • Multiple Policy Types

Business Description

Willy's Insurance Service Inc. has been serving families and individuals in Chula Vista since 2012. Its owner, Willy Ruiz, started his career as an insurance agent in 2006, providing a wide selection of products, including homeowners', renters', auto, and motorcycle policies, and SR-22 certificates. His homeowners' insurance policy aims to help clients protect their property and family. He works closely with policy buyers to determine their specific needs and tailor a plan that fits their situation. Ruiz can communicate in Spanish.

License Verified:

License: 0L80848

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.
5.0
Google
5.0 / 5 (108)
Facebook
4.9 / 5 (36)
Yelp
5.0 / 5 (6)

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
Back to Providers

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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