Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Garden Grove

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 Garden Grove 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.

105Reviewed

65Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7667 Garden Grove Boulevard, Garden Grove, CA 92841
  • Fire
  • Personal Property Insurance

Why choose this provider?

101 Insurance Group has been providing insurance solutions to residents and businesses in Garden Grove since 2005. The company assists individuals and families to seek the right homeowners insurance policy that best suits their needs. The policy covers the dwelling and other structures, personal property, replacement costs, and liability protection. Its licensed agents also assist policyholders in filing property claims. Other offerings include personal auto insurance and all types of business protection. Employees at the company are also fluent in Korean and Spanish.

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 (17)

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
912 North Harbor Boulevard, Santa Ana, CA 92703
  • Multiple Policy Types

Why choose this provider?

Ebuy Insurance Services is an independent agency near garden Grove that's partnered with several insurance carriers to bring a choice of policies to its personal and commercial clients. Its agents have helped many homeowners find the home insurance policies they need to cover the costs of major disasters, such as storms, and accidental damage caused by overflowing appliances, and other unexpected events. The agency also specializes in auto insurance and DMV services.

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
4.3 / 5 (39)
Yelp
4.0 / 5 (4)
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
10130 Garden Grove Blvd Ste 119, Garden Grove, CA 92844
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Nhina Nguyen is a State Farm insurance agent offering property damage coverage for homeowners in Garden Grove. The company's home insurance plans secure the cost of damages incurred from fires, theft, and vandalism, as well as from natural disasters such as lightning, wind, or hail. It also covers accidents caused by faulty plumbing or HVAC systems, such as burst or frozen pipes, as well as lost or affected belongings, from keepsakes to hobby items. A State Farm agent since 2014, Nhina also offers renters, life, health, 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
Yelp
5.0 / 5 (2)
Google
5.0 / 5 (1)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
13211 Garden Grove Boulevard 100, Garden Grove, CA 92843
  • Renter's Insurance
  • Personal Property Insurance
  • Earthquake

Why choose this provider?

College Student Insurance Service, Inc. offers financial protection against various disasters to homeowners in Garden Grove. Its coverage options include dwelling, extended replacement, separate structures, personal property, personal liability, and medical payments. Its web platform offers various policy service options such as property loss claim forms, requests for evidence of insurance, and policy change requests. For existing policyholders, it handles requests for declaration and coverage. The company was established in 1970.

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 (358)
Facebook
4.9 / 5 (44)
Yelp
4.5 / 5 (18)

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
13120 Brookhurst St, Garden Grove, CA 92843
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

First Express Insurance Agency is a homeowners' insurance agency that serves clients based in the Garden Grove area. Since 2000, this local agency has been helping people in finding the right insurance for their homes. Its team of insurance specialists assists homeowners in getting a quote for their family home, condo, townhome, or rental home. The team at First Express Insurance Agency is committed to providing the best possible home insurance policies while protecting the homeowners' information.

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

Website
14371 Euclid St Ste 2D, Garden Grove, CA 92843
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Fire

Why choose this provider?

Beyond Your Insurance offers personal coverage for homeowners in Garden Grove. A company with more than 40 carriers, its home insurance policies secure costs for rebuilding, replacement of belongings, additional living expenses, and liabilities. The company also provides dwelling fire insurance to homeowners that lease their property, as well as renters insurance to cover a client's stolen or damaged valuables. Beyond Your Insurance also offers personal policies for auto, health, and life 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.
4.8
Facebook
5.0 / 5 (16)
Google
4.6 / 5 (11)
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

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.
  • Can homeowners' insurance in Garden Grove pay for the repairs needed for a cracked foundation?

    Yes. In Garden Grove, standard homeowners' insurance offers dwelling coverage to assist homeowners in managing the costs associated with fixing the cracked foundations of their homes. However, policies come with defined coverages and limitations. This means that the reasons behind the cracks must align with the circumstances outlined in the policy.

  • What is not covered by homeowners' insurance in Garden Grove?

    Homeowners' insurance policies in Garden Grove typically do not cover the following:

    • Earthquakes.
    • Floods.
    • Termite infestations.
    • Water damage from leaks.
    • Mold.
    • Nuclear hazards.
    • Damage in houses vacant for 60 days or more. To protect your home from these, you need to purchase a separate insurance policy.
  • How can residents in Garden Grove whose houses are at risk of fire disasters protect themselves and their properties?

    Despite the low probability of wildfires in Garden Grove, homeowners' insurance policies might include coverage for fire-related destruction. For individuals facing difficulties securing insurance through standard providers can turn to the state's Fair Access to Insurance Requirements (FAIR) plans. These plans deliver basic fire insurance to homeowners and function within a cooperative market where licensed insurers collaborate to help vulnerable homeowners with the coverage.

  • What is the average cost of homeowners' insurance premiums in Garden Grove?

    The average expense for homeowners' insurance premiums stands at $1,482, correlating with a median home worth of $476,300. This sum surpasses the statewide average homeowners' insurance cost of $1,291. The premium amount you will pay depends on various aspects, such as dwelling age, deductible levels, construction types, and proximity to public safety units.

  • Will homeowners' insurance cover costs for Garden Grove policyholders who need to stay in a temporary home?

    Yes. Homeowners' insurance policies in Garden Grove generally include reimbursement for additional living costs (ALE) when their residence becomes uninhabitable due to a catastrophic incident. This encompasses expenses for the following:

    • Furniture rental.
    • Relocation or displacement.
    • Housing.
    • Extra school and work transportation.
    • Storage.
    • Additional food expenses.
    • Telephone installation.
    • Pet boarding.
    • Laundry.
  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.