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Best Homeowners Insurance Agencies in Downey

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Carmar Insurance Agency logo
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Carmar Insurance Agency

10022 Tristan Drive, Downey, CA 90240
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

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.

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
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
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
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Detail
Efferem Sanchez - State Farm Insurance Agent logo
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Efferem Sanchez - State Farm Insurance Agent

12327 Woodruff Avenue, Downey, CA 90241
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  • Multiple Policy Types

Business Description

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.

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
4.5 / 5 (17)
Facebook
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
Louis Grimaldi - State Farm Insurance Agent logo
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Louis Grimaldi - State Farm Insurance Agent

8050 Florence Avenue, Downey, CA 90240
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  • Multiple Policy Types

Business Description

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.

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 (65)
Facebook
5.0 / 5 (4)

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
Manor Insurance Agency, Inc. logo
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Manor Insurance Agency, Inc.

8615 Florence Avenue, Downey, CA 90240
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

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.

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
Mikel's Insurance Services logo
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Mikel's Insurance Services

7847 Florence Avenue, Downey, CA 90240
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

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.

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
4.7 / 5 (18)

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
Rob Casares - State Farm Insurance Agent logo
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Rob Casares - State Farm Insurance Agent

9901 Paramount Boulevard, Downey, CA 90240
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  • Multiple Policy Types

Business Description

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.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
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
Robert Does Insurance Services logo
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Robert Does Insurance Services

10802 Downey Avenue, Downey, CA 90241
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

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 (26)
Google
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
The Point Insurance Services logo
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The Point Insurance Services

10535 Paramount Blvd 100, Downey, CA 90241
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

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 (13)
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
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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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