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Best Homeowners Insurance Agencies in Garden Grove

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101 Insurance Group logo
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101 Insurance Group

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

Business Description

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
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Detail
Beyond Your Insurance Services logo
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Beyond Your Insurance Services

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

Business Description

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.
4.7
Google
4.6 / 5 (11)

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
csisinsurance.com logo
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csisinsurance.com

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

Business Description

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)

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
Ebuy Insurance Services logo
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Ebuy Insurance Services

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

Business Description

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
First Express Insurance Agency logo
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First Express Insurance Agency

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

Business Description

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)

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
Nhina Nguyen - State Farm Insurance Agent logo
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Nhina Nguyen - State Farm Insurance Agent

10130 Garden Grove Blvd Ste 119, Garden Grove, CA 92844
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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