Expertise.com

Best Homeowners Insurance Agencies in Costa Mesa

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Clarke Marine Garvey Insurance Services logo
Visit WebsiteWebsite

Clarke Marine Garvey Insurance Services

245 Fischer Avenue, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Flood
  • Earthquake

Business Description

In business for more than six decades, Clarke Marine Garvey Insurance Services caters to the personal and commercial insurance needs of Costa Mesa consumers. It offers a wide range of insurance products to protect personal properties such as homes and vehicles. Earthquake and flood insurance policies are also offered. Leading the company is Jim Reed, an insurance professional with more than 40 years in the industry and holds licenses in over 60 markets throughout the US, Bermuda, and London.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Gelker and Rohrer Insurance Agency logo
Visit WebsiteWebsite

Gelker and Rohrer Insurance Agency

151 Kalmus Drive, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Gelker and Rohrer Insurance Agency represents different insurance carriers and offers comprehensive insurance solutions in the Costa Mesa area. This company carries homeowners' insurance products that cover property damage due to disasters and liability claims for non-resident injury, whether caused by family members or household pets. Its insurance agents help homeowners ensure adequate financial protection. Gelker and Rohrer Insurance Agency partners with diverse insurance companies, such as Liberty Mutual, Encompass Insurance, and Health Net.

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 (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
Insurance Services VIA logo
Visit WebsiteWebsite

License Verified:

License: 0M12812

California Department of Insurance

Insurance Services VIA

2110 South Bristol Street, Santa Ana, CA 92704
Visit WebsiteWebsite
  • Homeowners
  • Renter's Insurance

Business Description

Insurance Services VIA is an insurance agency that serves clients in Costa Mesa and nearby areas. It provides homeowners' insurance products, covering damages caused by fire, wind, hail, and other natural disasters. It also covers clients who cannot stay at home during repairs and lost or damaged personal belongings such as furniture, clothing, and electronics. Other solutions offered by the company include auto, business, and professional insurance. Insurance Services VIA's logo shows a trident, representing heritage and honor, values that the company aims to espouse.

License Verified:

License: 0M12812

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.
4.7
Google
4.7 / 5 (79)
Facebook
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
Insurpedia logo
Visit WebsiteWebsite

License Verified:

License: 0E61920

California Department of Insurance

Insurpedia

2072 Orchard Dr, Suite D, Newport Beach, CA 92660
Visit WebsiteWebsite
  • Homeowners

Business Description

Insurpedia is a division of News Insurance Services, Inc., serving the Costa Mesa metro, the full-service agency offers homeowners' insurance to individuals and families who own high-value properties. It helps clients acquire coverage for excess flood, replacement cost for content, unlimited loss of use, and waiver of deductible. The company also provides flood, earthquake, life, automobile, and private collection insurance. Its team creates customized coverages suited to clients' distinctive lifestyles and needs. Insurpedia has been delivering insurance solutions for more than 40 years.

License Verified:

License: 0E61920

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

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
Michele Brandmeier - State Farm Insurance Agent logo
Visit WebsiteWebsite

Michele Brandmeier - State Farm Insurance Agent

25909 Pala, Mission Viejo, CA 92691
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Michele Brandmeier, State Farm Insurance Agent, sells homeowners insurance policies and helps clients through the purchase process. Its namesake agent helps clients by answering their questions and responding to any ongoing needs they have with their policies. She and her team assist clients by ensuring that they evaluate policies that can fully cover their financial needs and vulnerabilities. Michele Brandmeier, State Farm Insurance Agent, can also cover cars, businesses, and health and life insurance 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.
4.9
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
NEWS Insurance Services Inc. logo
Visit WebsiteWebsite

NEWS Insurance Services Inc.

2072 Orchard Drive, Newport Beach, CA 92660
Visit WebsiteWebsite
  • Multiple Policy Types
  • Renter's Insurance
  • Condos

Business Description

NEWS Insurance Services Inc. sells homeowners insurance policies to clients in the Costa Mesa metro area. It provides information to clients as they shop for quotes and advises them on their coverage needs based on the value of their property and the possessions they want to insure. Its plans can cover dwellings along with any property that clients have inside or outside of them. NEWS Insurance Services Inc. also offers additional living expense coverage which pays for the customer's needs if their home can't be lived in anymore.

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 (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
Peter Green Insurance Agent logo
Visit WebsiteWebsite

Peter Green Insurance Agent

3151 Airway Avenue, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Fire
  • Multiple Policy Types

Business Description

Peter Green, Insurance Agent, offers personal insurance for homeowners insurance products and assists clients in shopping for rates. It offers policies that cover repair and replacement costs in the event that a home is damaged or destroyed. Its policies cover dwellings and any property inside of them. Clients can also cover any other structures that are on properties and liabilities placed on the owners if others are hurt. Peter Green, Insurance Agent, sells an assortment of business insurance products 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
Yelp
5.0 / 5 (19)
Google
4.7 / 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
Q.S.P. Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0F63443

California Department of Insurance

Q.S.P. Insurance Services

14215 Bellflower Boulevard, Bellflower, CA 90706
Visit WebsiteWebsite
  • Renter's Insurance

Business Description

Since its foundation in 1994, Q.S.P. Insurance Services has been serving the residents of Costa Mesa and the neighboring areas. It provides a broad range of insurance solutions, including homeowners' and renters', personal and commercial auto, and business insurance. As a division of Proline Insurance Services, Q.S.P. has access to over 25 insurance providers, giving a variety of policy options that fit clients' needs and goals. Some of its partner providers include Safeco, National General, and Mercury Insurance.

License Verified:

License: 0F63443

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.
4.6
Google
4.6 / 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
––
Right Source Insurance logo
Visit WebsiteWebsite

Right Source Insurance

3190 Airport Loop Drive, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

The agents at Right Source Insurance in Costa Mesa provide comprehensive homeowners' insurance plans. The company helps its clients assess their home and property value, search for competitive rates, and assist with the claims process if needed. Its professionals at this firm assist those who want financial protection if they need to live somewhere else while their home is being repaired for an insured incident. They can also provide coverage for non-resident injuries that may lead to lawsuits.

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
Shorepoint Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0K07568

California Department of Insurance

Shorepoint Insurance Services

1120 Bristol Street, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Renter's Insurance
  • Homeowners

Business Description

Based in Costa Mesa, Shorepoint Insurance Services is an independent insurance broker that has been serving businesses and individuals locally and internationally since 1962. It helps clients protect their assets by offering them home, renters', and umbrella liability insurance solutions. It also offers life, health, auto, motorcycle, boat, and flood insurance plans. Other services include workers' compensation, travel, business, and cyber liability insurance. The company is also an equity partner of Acrisure, LLC, and has over 560 locations.

License Verified:

License: 0K07568

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.
4.5
Yelp
4.5 / 5 (7)
Google
4.5 / 5 (2)
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
SmartFinancial logo
Visit WebsiteWebsite

SmartFinancial

1901 Newport Boulevard, Costa Mesa, CA 92627
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

SmartFinancial sells homeowners insurance plans to clients in the Costa Mesa metro area. It helps clients to deal with a variety of issues involved with shopping for policies and offers them various quotes depending on the amount of coverage they need. This agency insures several kinds of residential properties including single-family homes, multifamily properties, condominiums, and mobile homes. SmartFinancial also sells auto insurance, commercial insurance, and plans for both general health and via Medicare.

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 (313)
Yelp
3.5 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Steven Hill logo
Visit WebsiteWebsite

License Verified:

License: 0K35638

California Department of Insurance

Steven Hill

3001 Red Hill Avenue, STE 5-202, Costa Mesa, CA 92626
Visit WebsiteWebsite
  • Homeowners

Business Description

Steven Hill is a State Farm insurance agent who provides services in Costa Mesa and the surrounding areas. He caters to clients who want to protect their families and secure their properties by offering homeowners insurance products. The policies cover damages of jewelry, family portraits, and collectibles inside the homes. Steven has been working at State Farm since 2000. He supports the Orange County Humane Society and is a volunteer at the Down Syndrome Association of Orange County.

License Verified:

License: 0K35638

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.
4.5
Yelp
4.5 / 5 (7)
Google
4.5 / 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
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.

Read all FAQs