Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Folsom

Our Recommended Top 10

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 Folsom 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.

53

Reviewed

35

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9245 Laguna Springs Drive, Elk Grove, CA 95758
  • Multiple Policy Types

Why choose this provider?

Rafter Insurance Agency is a family-owned and operated business that's been providing clients in the Folsom metro area with independent advice and services since 1961. Its agents regularly help their clients find the best home insurance products for their needs, providing coverage from natural and accidental disasters. Additionally, the agents can discuss umbrella policies that can provide a catch-all level of coverage for clients who want to cover all bases.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
31 Natoma Street, Folsom, CA 95630
  • Multiple Policy Types

Why choose this provider?

Whims Insurance & Financial Services, Inc. provides assistance for residents in Folsom. Its team helps clients in various areas including home insurance. The professionals create home insurance plans that cover hazards such as theft and fire. They also offer insurance plans that protect homeowners against personal injury claims. Home insurance policies may also include dog bite liability insurance, swimming pool liability insurance, and manufactured home coverage. Whims Insurance & Financial Services also insures classic cars, motorcycles, and RVs.

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 (91)
Facebook
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
193 Blue Ravine Road, Folsom, CA 95630
  • Multiple Policy Types

Why choose this provider?

Cal Interstate Insurance Services is a Folsom-based company providing personal and commercial insurance products. It aims to help homeowners protect their homes from unexpected accidents that may result in financial losses. The agents at this firm work with clients to design an insurance policy covering all potential risks present on their property. They can also help obtain umbrella insurance for families and individuals who want added protection against possible premise liability claims resulting from a non-resident injury.

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 (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

Website
201 Natoma Street, Folsom, CA 95630
  • Multiple Carriers

Why choose this provider?

American Diversified Insurance Services Inc. is a Folsom-based agency that's been serving the surrounding communities since 1980. The locally owned and operated business can provide its personal clients with independent advice and source a range of home insurance policies from multiple carriers. They can find policies that cover properties against limited or an array of disasters, such as wildfires, earthquakes, and hurricanes. Additionally, the agents can discuss toy, auto, and commercial 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.
4.7
Yelp
4.5 / 5 (7)
Google
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1833 Iron Point Road, Folsom, CA 95630
  • Multiple Policy Types

Why choose this provider?

Dan Normoyle is a State Farm insurance agent based in Folsom who has been serving personal and business clients in the surrounding communities since 2002. His services include finding the best home insurance policy for his clients and tailoring it to their needs, which can include accidental damage of personal items, including valuable goods, such as art. Mr. Normoyle and his team of licensed agents can also discuss health, life, pet, and auto 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.
4.9
Google
5.0 / 5 (54)
Yelp
4.0 / 5 (8)
Facebook
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

Website
9700 Village Center Drive, Suite 50 J, Granite Bay, CA 95746
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Insurance Mobile Services Inc. offers diverse types of indemnity products in Folsom and its neighboring areas. It assists individuals who are seeking homeowners' protection policies. It informs clients about the benefits of home insurance so that they can choose a plan that suits their needs, like liability coverage for injured visitors. The agents also assist customers who need coverage for fire damage, losses, or living expenses. In addition, they offer other personal indemnities for vehicles and rental homes, as well as for flood and earthquake protection.

License Verified:

License: 0K83120

California Department of 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 (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

Website
6611 Folsom-Auburn Road, Folsom, CA 95630
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Carlson Agency Insurance Services is an independent agency with more than 30 years of experience helping its clients choose from the products offered by its 40+ partners, which includes The Hartford and Travelers. The agency routinely helps personal customers looking for home insurance policies that provide coverage against natural disasters, such as wildfires, and accidental damage in the home. Carlson Agency Insurance Services also specializes in renters and auto 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

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
193 Blue Ravine Road, Folsom, CA 95630
  • Multiple Policy Types

Why choose this provider?

G. L. Anderson Insurance Services, Inc. is a Folsom insurance agency that opened its doors in 1989. Its staff has over 75 combined years of insurance experience serving individuals and businesses in the area. It provides homeowners' insurance policies so clients can protect themselves and their properties. Coverage choices include renters', landlords', condo, mobile home, homeowners' liability, and scheduled property insurance. G. L. Anderson Insurance Services, Inc. represents insurance carriers like AIG, Arrowhead General Insurance Agency, Inc., Berkley Risk, and Nationwide.

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 (3)
Google
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

Website
110 Blue Ravine Rd Suite 105, Folsom, CA 95630
  • Multiple Policy Types

Why choose this provider?

T.D. McNeil Insurance Services is a full-service insurance firm that serves the Folsom metro area and nearby localities. The company assists individuals in selecting the right homeowners' insurance policy that can cover damages or losses to their homes and personal belongings due to unwanted events. Its insurance plans also provide homeowners with liability protection against injuries that happened in the residence. Other offerings include auto, life, business, and event insurance coverages. The company also serves clients in Fresno.

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 (7)
Google
5.0 / 5 (5)
Yelp
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
101 Parkshore Dr, Folsom, CA 95630
  • Flood
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Davies Insurance Agency serves homeowners in Folsom. It guides clients on how to properly apply for and claim insurance for any damage to their property. It helps them estimate and plan the costs of repairs by looking at the house's material, design style, roofing, and custom areas. It protects them from damage caused by lightning, hail, and other natural disasters. The company also keeps customers informed on the cash value of their belongings in cases of replacement and reimbursement.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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 is the average cost of homeowners’ insurance offered by the top insurance companies in Folsom?

    Liberty Mutual, the top provider of homeowners’ insurance in Folsom, offers this type of property insurance for $2,534. Travelers provides homeowners’ insurance for $1,856, while Farmers offers a similar product for $1,748. Note that insurance premiums can vary widely based on the location of the property, the value of the home, and the coverage limits.

  • What factors may influence homeowners’ insurance premiums in Folsom?

    Homeowners' insurance premiums in Folsom can be influenced by a variety of factors, including the extent of coverage homeowners’ choose. Another factor is the geographic location of the property. This includes the risk of natural disasters like earthquakes, floods, and wildfires. The crime rate in the area can affect premiums. Higher crime rates can lead to higher insurance costs.

  • Which insurance coverage benefits Folsom residents who own valuable items exceeding the coverage limits of their standard homeowners’ insurance policy?

    Scheduled personal property coverage enhances Folsom residents’ standard homeowners’ insurance. The coverage helps policyholders repair or replace high-value items, such as jewelry, collectibles, and artwork. It also allows homeowners to insure individual items for their full appraised value or a predetermined amount.

  • What percentage of the dwelling limit constitutes the coverage for the “other structures” coverage of a homeowners’ insurance in Folsom?

    Typically, the “other structures” coverage is 10% of whatever the dwelling limit is. However, it can be increased if a Folsom homeowner needs more coverage. This includes non-permanently attached structures on the residential property, such as fences, sidewalks, and driveways. If these structures are damaged or destroyed due to covered perils, the insurance policy would help cover the cost of repairs or rebuilding, up to the policy's limits.

  • What steps must Folsom residents take if insurers cancel their homeowners' insurance due to wildfire risk?

    In the event that residents of Folsom or any region susceptible to wildfires face homeowners' insurance cancellation due to wildfire risks, their next step involves engaging an agent familiar with wildfire risk assessments. This agent will proceed to evaluate the property's fireline score, which is based on ease of access to and from the property and wildfire fuel within a quarter mile of the home. The majority of insurers are inclined to provide coverage for homes with a fireline score of three or lower.

  • 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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