Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Costa Mesa

Our Recommended Top 11

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 Costa Mesa 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.

73

Reviewed

48

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

Website
14215 Bellflower Boulevard, Bellflower, CA 90706
  • Renter's Insurance

Why choose this provider?

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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
245 Fischer Avenue, Costa Mesa, CA 92626
  • Flood
  • Earthquake

Why choose this provider?

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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)
Yelp
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
2110 South Bristol Street, Santa Ana, CA 92704
  • Homeowners
  • Renter's Insurance

Why choose this provider?

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.
4.8
Google
4.8 / 5 (118)
Facebook
5.0 / 5 (16)

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

Why choose this provider?

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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.7
Google
4.7 / 5 (12)

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

Why choose this provider?

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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.
  • Why is homeowners' insurance essential for Costa Mesa residents?

    In Costa Mesa, the average property value stands at approximately $617,000. With such a substantial investment, comprehensive homeowners' insurance is essential. The homeownership rate hovering around 41.6% underscores the importance of safeguarding one's home against unforeseen incidents. Homeowners are advised to conduct extensive research and choose a policy that provides extensive coverage.

  • What coverage does homeowners' insurance offer to Costa Mesa residents in wildfire-prone zones?

    In Costa Mesa, a homeowners' insurance policy in wildfire-affected regions primarily addresses dwelling reconstruction, emphasizing alignment with current construction and labor rates. Policyholders can elevate their safeguards with endorsements ensuring entire or extended rebuilding costs. Furthermore, ancillary structures, like sheds, receive up to 10% of the dwelling coverage. Personal items fetch up to 50% of the dwelling's insurance value. Should a covered wildfire event displace residents, the policy helps bear additional living expenses. Periodic reassessments, especially post-renovations, are advisable.

  • How do Costa Mesa residents proceed with homeowners' insurance for roofing issues?

    In Costa Mesa, detailed damage specifics are essential when reporting roofing issues to homeowners' insurance. Insurers often request an expert roofer's insight. After claim submission, an insurance-appointed adjuster assesses the harm, deciding if repairs or a total overhaul is warranted. For the best outcomes during this evaluation, homeowners should consider the presence of their trusted roofing expert for advice and clarification.

  • How can homeowners in Costa Mesa ensure they have ample insurance coverage for their property?

    Costa Mesa homeowners should regularly assess their home's value and belongings. As costs rise, they must ensure their homeowners' insurance matches replacement or rebuilding costs. Regular policy checks, even if done with an agent, are vital. They must stay updated, keeping their home insured. Staying proactive with policy reviews can prevent future headaches for homeowners.

  • What situations are covered by homeowners' insurance for foundation damage in Costa Mesa?

    In Costa Mesa, homeowners' insurance covers foundation damage due to accidents. This includes incidents like a tree hitting your home or a vehicle crash. Foundation harm caused by broken plumbing is also usually covered. However, they shouldn't expect coverage for damage from neglected maintenance, general soil changes, or standard cracks and leaks. Like flood coverage, separate insurance might be needed for natural disaster-induced foundation issues.

  • 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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