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Best Homeowners Insurance Agencies in El Cajon

2023

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Website
1558 N Magnolia Ave STE C, El Cajon, CA 92020
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

On The Spot Insurance Services is a family-owned and operated business that provides insurance coverage for clients in El Cajon and other surrounding areas. Established in 2006, the agency has 15 years of experience in the industry. Its home insurance has policies that will cover personal properties that were damaged from fire, water leakage, theft, and other disasters. It also provides other insurance policies, which include auto, motorcycle, business, and renters'.

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.
4.3
Google
4.6 / 5 (7)
Yelp
4.0 / 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

Website
1941 Friendship Dr F, El Cajon, CA 92020
  • Multiple Policy Types

Why choose this provider?

Business & Contractors Insurance aids to the insurance needs of clients in El Cajon, California. It offers comprehensive homeowners' insurance plans inclusive of property coverage, personal property coverage, liability coverage, medical expenses, and living expenses. Supplementary policies such as personal umbrella, flood, earthquake, and jewelry insurance may also be added on top of basic homeowners' policies. Other personal insurance products include auto, condo, and renters' insurance. The company also offers a broad selection of business and commercial insurances, from workers' compensation to commercial umbrella coverage.

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 (2)
Facebook
5.0 / 5 (1)
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
9699 Tierra Grande Street, San Diego, CA 92126
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

B.H. Gold Insurance Agency is an independent agency that can source a wide range of policies offered by its partners that provide the coverage its customers need with premiums they can afford. Its agents have years of experience arranging home insurance policies for primary homes, second homes, and investment properties. The policies can provide coverage for unexpected problems, such as burst pipes, and natural disasters that cause major structural damage.

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 (9)
Google
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

Website
236 Jamacha Road, El Cajon, CA 92019
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Jenkins Financial Insurance Agency caters to the insurance needs of homeowners and business property owners in El Cajon and throughout the region. Its homeowners' insurance policy covers damage to the home, other structures in the property, and personal property such as furniture and other household items. The policy also provides protection in case of fire and smoke damage; loss due to fire, explosion, or water damage; and theft and vandalism. Personal liability coverage is also included.

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
5.0 / 5 (15)
Yelp
4.0 / 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

Website
3579 Fifth Avenue, San Diego, CA 92103
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Daiju Yamaguchi Yoshino Insurance Agency specializes in helping put homeowners in touch with the best policies for their circumstances and budgets. The agency can access Farmer policies that cover homes against damage from natural disasters, such as fires and storms, and unfortunate events, such as burst pipes and burglary. Additionally, it can offer extended coverage for personal items outside the home and limited liability against claims from visitors injured on the premises.

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 (37)
Facebook
5.0 / 5 (7)
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

Website
2295 Fletcher Parkway, El Cajon, CA 92020
  • Multiple Policy Types

Why choose this provider?

Kennedy Insurance Agency is a locally-owned homeowners' insurance provider. It has been servicing clients in El Cajon and nearby areas since 1987. The agency is focused on finding the right kind of coverage for residential property owners—a financial safeguard for homeowners to protect their homes from theft, fires, and vandalism. Its policy options include property insurance, renters' insurance, mobile home insurance, and condo insurance. It also offers combined home and auto insurance coverage with better benefits.

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
5.0 / 5 (10)
Yelp
4.0 / 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

Website
1083 Broadway, El Cajon, CA 92021
  • Multiple Policy Types

Why choose this provider?

Bethel Insurance Services has been providing insurance solutions to clients in El Cajon since 1988. Its products include homeowners' insurance, which provides claims when a home is damaged or destroyed through fire, theft, vandalism, and other events. It also provides coverage for when someone is injured while inside one's property. The agency also provides coverage for additional living expenses while damage is being assessed and the home is being repaired or built.

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.
4.3
Google
4.4 / 5 (34)
Yelp
4.0 / 5 (14)

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
1685 Metro Avenue, Chula Vista, CA 91915
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Jose Doria has been a State Farm insurance agent since 1982. He serves homeowners in the El Cajon metro area and also specializes in state-to-state transfers. The licensed agent can help tailor policies for customers that will cover their costs should a natural disaster cause major damage to their home or an unexpected event, such as a fire, cause partial damage. Additionally, he can arrange life, health, auto, and pet policies.

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 (3)
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
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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.

  • In El Cajon, is homeowners' insurance the same as a home warranty?

    No. Homeowners' insurance and home warranty are different. A home warranty is a contract that typically lasts for 12 months. It provides for replacements or repairs of home systems and various types of appliances, such as water heaters, ovens, and dryers. In contrast, homeowners' insurance can also cover costs for repairing your damaged home, as well as your personal belongings and medical expenses when someone gets injured in your home.

  • Are frozen pipes covered by homeowners' insurance in El Cajon?

    Yes. Damages due to frozen, leaking, and burst pipes can be covered by homeowners' insurance in El Cajon. However, if the frozen pipes are caused by poor temperature maintenance, the damages may not be covered by the homeowners' insurance policy. You may check your insurance terms and limits to see how much coverage you have for burst pipe damages.

  • Can protective devices in your home in El Cajon help you save on your homeowners' insurance?

    Yes. If your home is equipped with security and fire protective devices and smart home technology, it may help you save money on your homeowners' insurance in El Cajon. You can save if your home has smoke detectors, automatic water shut-off and interior sprinkler systems, and home technology that notifies you when there is a burglar.

  • Can your homeowners' insurance policy protect your belongings during a move in El Cajon?

    No. In El Cajon, homeowners' insurance does not cover personal belongings during a move. However, for interstate moving, you can acquire an insurance policy from moving companies as mandated by federal law. You can obtain full value protection coverage, which pays for an item's current market replacement value, and released value coverage, which pays up to 60 cents per pound of an item.

  • Can dog breeds affect your homeowners' insurance application in El Cajon?

    It depends. Your homeowners' insurance application in El Cajon may be affected if you own a dog with a vicious temperament or a history of bites or attacks. Most insurance companies do not provide coverage for individuals who own pit bulls, rottweilers, Doberman pinschers, German shepherds, Alaskan Malamute, and chow chows.

  • 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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