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Best Homeowners Insurance Agencies in Concord

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AGENT2000 Commercial & Personal Insurance Brokers logo
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AGENT2000 Commercial & Personal Insurance Brokers

1220 Diamond Way Ste 250, Concord, CA 94520
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

Business Description

AGENT2000 is a full-service insurance company that helps homeowners in Concord. It provides policies that pay for repairs when the clients' homes are damaged by natural disasters like storms, winds, sinkholes, and lightning. It also covers any plumbing problems and sewer backups. The company can also replace or reimburse any damaged or destroyed belongings like clothes and jewelry. Its agents offer plans that cover various types of homes such as condos, townhouses, mobile homes, and seasonal residences.

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
Facebook
5.0 / 5 (5)
Google
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
Gail Williams - State Farm Insurance Agent logo
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Gail Williams - State Farm Insurance Agent

5041 Clayton Road, Concord, CA 94521
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  • Multiple Policy Types

Business Description

Gail Williams is a State Farm insurance agent assisting Concord residents in various areas including home insurance. Gail provides home insurance plans that include compensation for replacement and repair costs of damaged property and personal belongings. Homeowners' insurance covers property damage resulting from theft, vandalism, or a fire. Gail has been an insurance agent since 1978. She opened her own agency 21 years later. Together with her team, she provides customer support 24/7. She also offers Spanish-speaking services.

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 (12)
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
Hindsight Insurance Services logo
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Hindsight Insurance Services

3478 Buskirk Avenue, Pleasant Hill, CA 94523
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  • Multiple Policy Types
  • Earthquake
  • Renter's Insurance

Business Description

Hindsight Insurance Services is an independent homeowners' insurance agency based in Pleasant Hill that serves clients in Concord and the surrounding areas. Since 1992, the agency's team of insurance specialists has been providing customized home insurance programs to its clients. They work to ensure that every homeowner that comes to them gets the proper HO1 (homeowners' insurance policy) for their properties, their needs, and attendant risks. Hindsight Insurance Services also provides landlord and renters insurance quotes.

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 (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
Land Home Insurance Services logo
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Land Home Insurance Services

1355 Willow Way, Concord, CA 94520
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire
  • Condos

Business Description

Land Home Insurance Services caters to homeowners and business property owners in Concord and the surrounding areas. Its homeowners' insurance policy covers property damage caused by fire and smoke, windstorm or hail, falling objects, and frozen plumbing. The insurance also covers losses from incidents such as theft and water damage due to plumbing, water heater, heating or cooling systems, or faulty appliances. The company offers an online quoting tool for the initial estimation of the insurance.

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
––
Mainstream Insurance Services, LLC logo
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Mainstream Insurance Services, LLC

1320 Willow Pass Road, Concord, CA 94520
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  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Mainstream Insurance Services, LLC is an independent insurance agency that grants homeowners' insurance to clients in Concord and nearby areas. The agency closely assesses and determines the right insurance policy for each homeowner. Homeowners' insurance can protect a home and its contents from any possible damage caused by fire and other disasters, including theft or vandalism. It also covers protection from possible lawsuits filed by guests injured in the home. The firm was first established in 2012 and it also specializes in business and contractors' 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.
4.7
Google
5.0 / 5 (20)
Yelp
1.0 / 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
Monumental Insurance Services, LLC logo
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Monumental Insurance Services, LLC

1070 Concord Avenue, Concord, CA 94520
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Fire
  • Condos

Business Description

Monumental Insurance Services, LLC, is a homeowners' insurance agency that serves residents in Concord and the surrounding areas. Its team of insurance agents is committed to providing the best possible home insurance for the company's clients. It also offers condominium insurance, landlord insurance, motor home insurance, renters insurance, and townhouse insurance. In addition, Monumental Insurance Services, LLC, also assists potential buyers of auto insurance, motorcycle insurance, business insurance, 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 (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
Weber Insurance & Financial Services, LLC logo
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Weber Insurance & Financial Services, LLC

2190 Meridian Park Boulevard, Concord, CA 94520
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  • Personal Property Insurance

Business Description

Weber Insurance & Financial Services, LLC is a homeowners' insurance agency serving the Concord metro. Its insurance professionals ensure that clients obtain adequate financial protection through home insurance policies that are tailored to homeowners' needs. They also aid in determining applicable coverage types, including comprehensive solutions for theft, vandalism, fire, falling objects, and liability claims. Weber Insurance & Financial Services, LLC uses its resources to support Pilots N Paws, a non-profit offering dog rescue and foster care services.

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 (202)
Facebook
5.0 / 5 (23)
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
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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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