Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Escondido

Our Recommended Top 6

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 Escondido 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.

91Reviewed

57Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

500 La Terraza Boulevard, Escondido, CA 92025

Expertise.com Rating

Review Sources

Google
5.0 (134)
Facebook
5.0 (21)
Yelp
5.0 (1)

Why choose this provider?

HJM Insurance Services, Inc., offers comprehensive homeowners' insurance policies for individuals and families in Escondido. The firm's founder, Matt Speed, possesses nearly two decades of experience in the industry. Speed and his team guide clients through a needs-based test to determine which policies and coverages best suit their lifestyle. They assist homeowners who want to seek protection against scenarios such as fires, thefts, and injuries that can happen on their property. This company also offers condo and mobile home insurance.

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

900 Canterbury Place, Escondido, CA 92025

Expertise.com Rating

Review Sources

Google
4.8 (11)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

North Country Insurance is an independent insurance agency that provides products and services to clients around the Escondido area. Its products include auto, homeowners', business, life, general liability, and business owners' insurance, among many others. The homeowners' insurance will protect not just the client's home, but also the possessions inside the home. It also provides auto insurance to cover car-related damages or losses. The agency is a division of Alliant Insurance Services, Inc.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

225 West Valley Parkway, Escondido, CA 92025

Expertise.com Rating

Review Sources

Google
4.6 (20)
Facebook
5.0 (6)
Yelp
4.5 (6)

Why choose this provider?

The agents at 20/20 Insurance Services coordinate with over 30 various insurance providers to obtain the most competitive rates for families and individuals. The company is headquartered in Escondido and services homeowners seeking added protection for their homes and personal assets. Its agents strive to shop for insurance policies that are customized according to their clients' lifestyles and financial backgrounds. The company offers additional coverage options that take into account possible floods, earthquakes, and injuries caused by household pets.

  • Multiple Policy Types

105 North Rose Street, Escondido, CA 92027

Expertise.com Rating

Review Sources

Yelp
4.5 (23)
Facebook
5.0 (4)
Google
5.0 (1)

Why choose this provider?

Khasim Insurance Agency, an independent insurance agency operating in the Escondido metro, offers insurance solutions covering personal and business needs. The firm offers homeowners' insurance plans that protect physical dwellings from damage risks such as fires, natural disasters, and theft. Its policies also provide a safety net for clients in the event of an accident or injury experienced by guests. The company has been around since 2007 and also offers plans for automobile and rental homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

27525 Valley Center Road, Valley Center, CA 92082

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Valley Center Insurance Agency was established in 2004 by Erik Jensen, who has more than 20 years of experience in the insurance industry. It provides clients in Escondido with insurance plans like auto, home, business, and health. Its home insurance provides coverage in case of a fire and other disasters or losses. It covers both the outside and inside of a house and allows for the replacement or rebuilding of the damaged property.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

120 West Grand Avenue, Escondido, CA 92025

Expertise.com Rating

Review Sources

Google
4.1 (9)
Yelp
4.5 (6)

Why choose this provider?

Bartjan Vargas is a State Farm insurance agent offering homeowners' insurance coverage to clients in Escondido. The company's home insurance covers hazards such as natural disasters, from hail or wind to the weight of snow or ice; sudden instances of theft, fires, or vandalism; and faulty HVAC or plumbing systems. It also covers select personal properties, from keepsakes to home or gardening equipment. A licensed agent in California, Arizona, and Oregon, Bartjan entertains clients in English, Spanish, Korean, and Portuguese.

  • Renter's Insurance
  • 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.
  • What is the 80% rule in insurance and how can policyholders in Escondido use it to ensure their homes have enough coverage?

    The 80% rule states that insurance should cover at least 80% of the total cost of replacing a home. This means that a $300,000 home would require at least $240,000 in insurance coverage. Many homeowners follow this rule when purchasing their first policy but fail to apply it when renewing their insurance. Policyholders must account for inflation and home improvement costs to avoid being underinsured when it comes time to file claims. They must obtain insurance covering at least 80% of the current total value of their Escondido home.

  • How can you get additional coverage if you have a California FAIR plan in Escondido?

    Due to the limited coverage provided by a California FAIR plan, a homeowner in Escondido can obtain a Difference in Conditions (DIC) policy to obtain comprehensive coverage comparable to that provided by traditional homeowner's insurance. Personal liability, theft, and water damage are examples of non-covered perils in a FAIR plan that can be covered under a DIC policy. The California Department of Insurance website has a list of insurers that offer DIC policies to supplement a FAIR plan.

  • Which areas in Escondido are at risk for fires?

    According to the Escondido Fire Department, areas such as Mesa Rock, Vista Verde, La Honda, Rockwood, and Mountain View are extremely vulnerable to fires. Homeowners in these areas may have difficulty renewing their policies or receiving higher insurance premiums. If they run into such issues, they can contact the California Department of Insurance at 1-800-927-4357 for assistance. The fire department can provide information on high-risk areas by calling 760-839-5400. The address is 1163 North Centre City Parkway, Escondido, CA 92026.

  • How do you obtain homeowner's insurance in Escondido if you are in the process of purchasing a home?

    In Escondido, you can purchase homeowner's insurance on your own or through your lender. This is usually required before your mortgage can be approved. If you do not buy your own policy, your lender can do so for you at a higher cost than you would pay on your own. Home insurance payments are typically included in your monthly mortgage payment and deposited into an escrow account.

  • What should you do if your homeowner's insurance claim was denied in Escondido?

    Read the notice from the insurance company that explains why your homeowner's insurance claim was denied. If you still believe the insurer owes you money, you can bargain with the insurance adjuster. If this does not work, file an appeal with the Escondido insurance company. Make sure to complete this by the company's deadline. If you believe you have exhausted all of your options, you can consult with a licensed public insurance adjuster. Consult a lawyer if the problem has not been resolved and you believe you will need to file a lawsuit to resolve it.

  • 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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