Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Fullerton

Our Recommended Top 8

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 Fullerton 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.

84Reviewed

53Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

107 North Richman Avenue, Fullerton, CA 92832

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Double Team Insurance Services LLC is a local homeowners' insurance agency owned by Lori Valdez, a broker who has been serving the residents of Fullerton since 2005. Valdez's team of insurance specialists focuses on providing reliable information and assistance to homeowners who are looking to get their residential property insured. They provide home quotes that fit the owner's residential home. In addition, Double Team Insurance Services LLC also assists clients with their auto, business, or life insurance needs.

  • Fire
  • Renter's Insurance
  • Personal Property Insurance

830 S Euclid St, Fullerton, CA 92832

Expertise.com Rating

Review Sources

Google
4.9 (68)
Facebook
5.0 (38)
Yelp
5.0 (34)

Why choose this provider?

Allco Fullerton Insurance Agency, Inc., operating since 1982, is a team of 12 agents that provides insurance services. The company assists clients in different areas, including homeowners' insurance. Its insurance professionals offer policies that include compensation for hail damage, fire and smoke damage, water damage due to burst pipes and plumbing incidents, damage from falling objects, and property theft. Allco Fullerton Insurance Agency works with numerous providers, such as Hagerty, Nationwide, and Progressive.

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

975 West Imperial Highway, Brea, CA 92821

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (6)

Why choose this provider?

Partner Agency Insurance Services is an independent agency providing insurance options throughout Fullerton and the surrounding communities. The company offers insurance services for home or condo owners, landlords, and renters. Its home insurance includes medical expenses, personal liability, protection of belongings, additional living expenses, and dwelling coverage. Its group of insurance agents also offers health, life, auto, boat, and business insurance solutions. Partner Agency Insurance Services has been in the industry since 1979.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

201 North Harbor Boulevard, Fullerton, CA 92832

Expertise.com Rating

Review Sources

Google
4.9 (28)
Facebook
4.4 (14)
Yelp
5.0 (1)

Why choose this provider?

TOR Insurance Services, Inc. protects homeowners and their properties in Fullerton and neighboring communities. It is a homeowners' insurance agency safeguarding clients' homes covering the value of the dwelling and the value of the surrounding structures within the property that are not used for business. The agency also secures personal property that has been lost or damaged. It has provisions for living expenses for the clients when the home is rendered uninhabitable. The company can also cater to Spanish-speaking clients.

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

2601 East Chapman Avenue, Fullerton, CA 92831

Expertise.com Rating

Review Sources

Google
4.7 (14)
Yelp
3.0 (12)
Facebook
5.0 (9)

Why choose this provider?

Afshin Kangarlou - State Farm Insurance Agent assists Fullerton residents with their insurance needs. He offers various types of insurance policies including homeowners' insurance. This home insurance plan financially protects clients' valuable items such as collectibles, pictures, and jewelry. It also provides coverage for property that has been damaged by lightning, fire, wind, or snow. Kangarlou is a multi-lingual agent who speaks Farsi, Persian, Hindi, Urdu, and Spanish. He carries nearly two decades of experience in customer service. He also accepts Saturday appointments.

  • Multiple Policy Types

810 East Commonwealth Avenue, Fullerton, CA 92831

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (5)

Why choose this provider?

Gregg Stapp Insurance Services is a business providing insurance policies to clients throughout Fullerton and its surrounding locations. Its team of insurance agents offers homeowners' insurance solutions to protect clients from certain types of accidents and damages. They also help them review important factors, such as deductibles, extra coverage, and liability levels, to make an informed decision. The company's professionals also provide automobile, contractor liability, and workers' compensation insurance services. Gregg Stapp Insurance Services also pay referral fees.

  • Multiple Policy Types

609 North Harbor Boulevard, Fullerton, CA 92832

Expertise.com Rating

Review Sources

Google
4.9 (191)
Facebook
5.0 (27)
Yelp
4.5 (16)

Why choose this provider?

Williams Insurance has been safeguarding Fullerton homes and assets since 1941. It accommodates actual cash value, which considers inflation rates when policyholders decide on insurance value. Home contents such as electronics are covered, as well as external structures like gazebos and garages. Policyholders can receive living expenses assistance when their homes are uninhabitable due to repairs, and personal liability coverage is applied to all residents regardless if an injury is intentional or not. Flood-prone homes are protected under supplementary covers.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

2840 West Lincoln Avenue, Anaheim, CA 92801

Expertise.com Rating

Review Sources

Google
3.9 (14)
Facebook
4.2 (5)

Why choose this provider?

David Reyes has been a State Farm insurance agent since 1987. The licensed agent routinely advises and serves homeowners in need of policies that will protect them against the replacement and repair costs that follow disasters, such as fires and storms. He also discusses additional coverage with his clients, such as living expenses if they have to temporarily vacate their homes. Additionally, Mr. Reyes can discuss life, health, auto, and business 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.
  • Is there an insurance crisis in Fullerton?

    Fullerton and the rest of California have been experiencing an insurance marketplace crisis these recent years, as large insurers such as Nationwide, Allstate, and Farmers have scaled back or altogether stopped issuing new homeowners insurance policies. Experts attribute this to the California Department of Insurance’s Prop 103, which prohibits sizable insurance rate increases despite inflation and climate change catastrophes.

  • How can Fullerton residents make their homes more insurable?

    In order to ensure that their homeowners’ insurance is renewed, residents of Fullerton may consider installing safety devices, such as fire alarms, leak-detection sensors, and smart thermostats. They may also make their homes more resilient to disasters by installing hurricane shutters, adding fire-resistant siding, and clearing vegetation to mitigate wildfire damage.

  • Does Fullerton homeowners’ insurance cover wildfire damage?

    While most homeowners’ insurance policies in Fullerton cover wildfire damage, insurance companies have been raising prices or dropping policyholders because of the metro’s susceptibility to wildfires. In fact, California has seen more than 55,791 wildfires these past seven years, leading to $31.9 billion in losses for the insurance industry.

  • What is the difference between replacement cost and actual cash value in Fullerton?

    Homeowners’ insurance policies in Fullerton that are based on replacement cost reimburse policyholders the full amount of what it costs to repair or rebuild their dwelling, as well as to replace damaged furnishings, appliances, clothing, and personal items. Meanwhile, actual cash value insurance pays out what the damaged property is worth at the time of the claim, taking into account depreciation costs.

  • What are the limitations of Fullerton “forced-placed” insurance coverage?

    Those in Fullerton who can no longer afford their homeowners’ insurance will be issued a “forced-placed” insurance plan by their mortgage company in order to protect the loan. However, its coverage is only limited to damages to the main structure. Homeowners will not have any protections regarding loss of use or personal liability.

  • 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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