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Best Homeowners Insurance Agencies in Escondido

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20/20 Insurance Services logo
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20/20 Insurance Services

225 West Valley Parkway, Escondido, CA 92025
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  • Multiple Policy Types

Business Description

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.

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 (20)
Facebook
5.0 / 5 (6)
Yelp
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
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Detail
Bartjan Vargas - State Farm Insurance Agent logo
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Bartjan Vargas - State Farm Insurance Agent

120 West Grand Avenue, Escondido, CA 92025
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

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.

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
4.1 / 5 (9)

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
Dewitt Insurance Services, Inc logo
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Dewitt Insurance Services, Inc

1081 Borden Road, Escondido, CA 92026
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake

Business Description

Dewitt Insurance Services, Inc., has been assisting residents and businesses in Escondido with their insurance needs since 2009. The company provides customized homeowners' insurance policies that protect the homes and personal assets of policyholders. The firm's homeowners coverage includes the house structure, personal possessions, additional living expenses due to relocation or temporary housing, and the owner's liability to injured persons within the property. Other offerings include all types of personal and business insurance policies. The company also serves clients throughout California.

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)
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
HJM Insurance Services, Inc. logo
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HJM Insurance Services, Inc.

500 La Terraza Boulevard, Escondido, CA 92025
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Fire

Business Description

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.

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 (134)
Facebook
5.0 / 5 (21)

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
Khasim Insurance Agency logo
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Khasim Insurance Agency

105 North Rose Street, Escondido, CA 92027
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Earthquake

Business Description

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.

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
Yelp
4.5 / 5 (23)
Facebook
5.0 / 5 (4)
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
North County Insurance logo
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North County Insurance

900 Canterbury Place, Escondido, CA 92025
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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.

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
4.8 / 5 (11)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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
Valley Center Insurance Agency logo
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Valley Center Insurance Agency

27525 Valley Center Road, Valley Center, CA 92082
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire
  • Earthquake
  • Condos

Business Description

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.

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)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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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