Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Chula Vista

Our Recommended Top 19

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 Chula Vista 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.

143

Reviewed

93

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.
4.8
Google
4.8 / 5 (19)
Facebook
4.8 / 5 (15)
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

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

Why choose this provider?

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

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

Why choose this provider?

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 (177)
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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.9
Google
5.0 / 5 (108)
Yelp
5.0 / 5 (12)
Facebook
3.7 / 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

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

Why choose this provider?

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 (308)
Facebook
4.8 / 5 (52)
Yelp
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

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

Why choose this provider?

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.
4.4
Google
4.4 / 5 (16)
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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.4
Google
4.4 / 5 (31)
Facebook
5.0 / 5 (6)
Yelp
3.5 / 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

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

Why choose this provider?

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 (56)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.4
Google
4.6 / 5 (35)
Yelp
1.5 / 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

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

Why choose this provider?

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 (116)
Yelp
4.5 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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 (110)
Yelp
4.5 / 5 (13)
Facebook
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

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

Why choose this provider?

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.
5.0
Yelp
5.0 / 5 (2)
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.
3.8
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 is the rate of homeowners' insurance policies by deductible level in Chula Vista?

    In Chula Vista, a higher deductible amount means a cheaper homeowners' insurance policy rate. For example, policyholders responsible for a $1,000 deductible have an average annual homeowners' insurance rate of $781, while those with a deductible level of $5,000 have a $559 annual homeowners' insurance rate. Meanwhile, deductibles can be between 5% and 25% of the homeowners' insurance policy in Chula Vista.

  • Do homeowners' insurance policies cover medical payments in Chula Vista?

    In Chula Vista, homeowner's insurance policies cover medical expenses for those injured on the policyholder's property who have permission to be there, regardless of who was at fault. These payments may finance surgeries, ambulance rides, physical therapy, and hospital stays. However, medical expenses under homeowners' insurance policies do not cover the policyholders' injuries or injuries sustained by individuals residing in their household.

  • What are the inexpensive home insurance companies in Chula Vista?

    Policy buyers in Chula Vista may opt for Travelers, which offers home insurance with $250,000 in dwelling coverage and costs $1,249 per year. Current and former military members can apply for the USAA home insurance policies that cost $1,384 per year. On the other hand, property owners in Chula Vista looking for inexpensive home insurance companies and with $2 million in dwelling coverage may choose ASI, Universal North America, and Allstate.

  • What types of damage cover mobile home insurance policies in Chula Vista?

    Mobile home insurance policies in Chula Vista cover property damage resulting from fire, explosion, landslides and mudslides, and roof collapse from the weight of snow. Problems arising from human crude behaviors, like attempted or actual burglary and robbery, vandalism, and off-right-of-way collision, are also protected under mobile home insurance policies. In addition, it finances repairs caused by fallen trees, plumbing failures, and stray animals in Chula Vista.

  • How much is the cost of mobile home insurance policies in Chula Vista?

    In Chula Vista, the average cost of a mobile home insurance policy is between $500 and $1,100 annually; however, various factors, like deductibles, age of the mobile home, claim history, and location, may affect these rates. Mobile home insurance policies protect mobile homes, including their plumbing and electrical systems, from damage. It can also offer financial support for liability and cover personal items inside the premises, including musical instruments and furniture.

  • 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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