Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Downey

Our Recommended Top 8

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 Downey 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.

72Reviewed

46Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9901 Paramount Boulevard, Downey, CA 90240

Expertise.com Rating

Why choose this provider?

Rob Casares is a State Farm insurance agent based in Downey who has been serving customers in the counties of Los Angeles and Orange for more than three decades. The licensed agent can offer homeowners insurance that covers customers' properties against damage from natural disasters, such as hurricanes and tornadoes, and unfortunate events, including fires, burst pipes, and vehicle collisions. Mr. Casares also provides insurance to business owners and drivers.

  • Multiple Policy Types

8050 Florence Avenue, Downey, CA 90240

Expertise.com Rating

Review Sources

Google
4.9 (65)
Facebook
5.0 (4)

Why choose this provider?

Louis Grimaldi is an insurance agent for State Farm offering property damage coverage for homeowners in Downey. Beyond securing a home's repair costs, the company also covers affected personal belongings, such as select keepsakes, hobby items, and house or gardening equipment. It covers damages sustained from hail, wind, or lightning; sudden instances of theft, fire, or vandalism; and frozen plumbing and tearing or bulging in HVAC systems. A licensed agent in California, Nevada, and Arizona, Louis also offers auto, health, and life insurance programs.

  • Multiple Policy Types

10802 Downey Avenue, Downey, CA 90241

Expertise.com Rating

Review Sources

Yelp
5.0 (26)
Google
5.0 (16)

Why choose this provider?

Robert Does Insurance Services offers a broad range of insurance products from its Downey location. One of the areas the business handles is home insurance. Owned and operated by Robert Sanchez, the agency provides insurance policies for owners of different types of vacant homes including condominiums and manufactured homes. Insurance plans for vacant homes may include coverage for damage due to malicious mischief or vandalism. The company also insures mobile homes and primary residences.

  • Personal Property Insurance
  • Multiple Policy Types

10535 Paramount Blvd 100, Downey, CA 90241

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (6)
Yelp
5.0 (5)

Why choose this provider?

The Point Insurance Services has been providing home insurance to clients in the Downey area since 1996. It has a roster of certified insurance agents with a combined 60 years of experience in the insurance industry. They can assist clients with customizing an insurance policy from various insurance carriers such as Allied, Mercury, and Farmers Insurance. A full-coverage homeowners' insurance includes financial protection against theft, loss of money, natural disasters, and personal liability.

  • Personal Property Insurance
  • Multiple Policy Types

8615 Florence Avenue, Downey, CA 90240

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (1)

Why choose this provider?

Manor Insurance Agency, Inc., services the Downey area and helps homeowners identify insurance policies suitable for their properties. The agency helps clients secure coverage for damages brought by fires and natural disasters, including hailstorms and hurricanes. Manor Insurance Agency also offers coverage for personal items, liabilities, additional living fees, and flood-related damages. The firm has been in the insurance sector since 1964 and also provides insurance plans for other property types including mobile homes, vacant dwellings, and rented facilities.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

7847 Florence Avenue, Downey, CA 90240

Expertise.com Rating

Review Sources

Google
4.7 (18)
Yelp
3.5 (5)

Why choose this provider?

Mikel's Insurance Services is a family-owned Downey independent agency that was established by Mikel Walton in 1982. It offers a wide range of insurance products, such as home insurance that helps clients protect their homes. The company's homeowners' insurance consists of flexible coverage options suitable for its clients. These options include condo insurance, homeowners' liability, in-home business insurance, landlords insurance, mobile home insurance, property insurance, renters' insurance, and scheduled property insurance. Mikel's Insurance Services is also available in Bellflower, Cerritos, Lakewood, Long Beach, and Whittier.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

10022 Tristan Drive, Downey, CA 90240

Expertise.com Rating

Why choose this provider?

Located in Downey, Carmar Insurance Agency is an independent agency with more than 10 years of experience helping customers get coverage for their primary homes, second homes, and investment properties. Its agents can talk customers through the pros and cons of additional coverage, such as policies that pay more than standard limits due to the price increases often made by construction workers after a hurricane or tornado. Carmar Insurance Agency is licensed in California and Arizona.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

12327 Woodruff Avenue, Downey, CA 90241

Expertise.com Rating

Review Sources

Google
4.5 (17)
Facebook
5.0 (6)

Why choose this provider?

Efferem Sanchez is a State Farm insurance agent who serves the local protection needs of the people of Downey, Norwalk, and neighboring areas. His firm provides the area's homeowners with customizable plans for home insurance that may include dwelling, personal property, and liability coverage. He also works in other areas of personal and commercial insurance. A full-time State Farm agent since 1997, Efferem Sanchez is a member of the National Association of Insurance & Financial Advisors.

  • Multiple Policy Types

FAQs

  • 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.
  • When will mold damage not be covered by your Downey homeowners insurance?

    Lack of routine maintenance is the leading cause of mold damage in Downey that is not covered by homeowners insurance. This means you won't be covered if mold grows in your home as a result of damaged roof gutters that allow water to run over other areas of the building, inadequate sealing surrounding a toilet or shower's base, or an inadequately ventilated bathroom or kitchen that raises the humidity level.

  • Does your Downey homeowners insurance cover the cost of moving?

    Your goods may or may not be covered by your Downey homeowner's insurance policy when you relocate or when they are in the moving truck. If your policy does state that it covers relocation and storage, you need to understand what that coverage entails because, frequently, it may only cover severe damage to your belongings.

  • What are the available options for home insurance deductibles in Downey?

    There are several types of house insurance deductible alternatives in Downey:

    • A percentage deductible, referred to as Coverage A and dependent on the dwelling coverage of the home.
    • A flat deductible, which is a fixed sum of money.
    • A split deductible, where one deductible is particular to one type of loss and a different deductible is applicable to other types of loss.
  • When making a claim for your Downey homeowners insurance, should you admit that you didn't read your policy?

    When submitting a homeowners insurance claim in Downey, you must never state that you haven't read your policy. Insurance carriers may deny your claim if you confess that you did not read or understand your policy. Remember that reading your policy is important, despite how lengthy and complicated it may be, because you may utilize it to argue against a claim denial from your insurance company.

  • If you build a business office on your home in Downey, will the cost of your homeowners insurance go up?

    If you build a home office, your insurance company in Downey will raise the cost of your homeowners insurance. They may also demand that you buy an endorsement to expand coverage for company-related assets and equipment, or a different home business policy that offers security against theft and worker accidents.

  • 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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