Expertise.com

Best Homeowners Insurance Agencies in Hayward

2024

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Website
7011 Koll Center Parkway, Pleasanton, CA 94566
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Charles Katz Insurance Services is an independent insurance agency that provides insurance services like homeowners' insurance to clients in Hayward. The agency aims to find the right policy that will suit their clients' differing needs, combined with competitive rates and quality service from insurance companies. It has a team of home insurance specialists that can customize a package that can cover the clients' needs and risks. Charles Katz Insurance Services also offers home insurance to vacation homes, beach homes, secondary residences, rental dwellings, and high-value 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 (6)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
24301 Southland Dr, Hayward, CA 94545
  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Henry Rice Insurance Solutions has been serving the Hayward metro area for more than 20 years. The company guides individuals and families in seeking financial protection for their homes and personal belongings through a homeowners' insurance policy. Its agents also assist policyholders in filing claims for property damages, lost or stolen valuables, and the medical expenses of injured guests. Other offerings include auto, motorcycle, boat and recreational vehicle, life and health, and business insurance policies.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2209 American Avenue, Hayward, CA 94545
  • Multiple Policy Types
  • Earthquake
  • Flood
  • Fire

Why choose this provider?

J and M Insurance seeks to protect clients and their families from possible losses and damages caused by various disasters. The Hayward-based company helps homeowners in selecting insurance plans that suit their needs. Its team of experienced agents partners with more than 25 insurance providers to give clients insurance coverage for flood, earthquake, and fire issues. They also offer packages for renters, landlords, and condominium owners as well as personal umbrella 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
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
5960 Stoneridge Drive, Pleasanton, CA 94588
  • Multiple Policy Types

Why choose this provider?

Cal Coast Insurance Services~ dba Mission Peak Insurance Services LLC is a full-service agency that serves the Hayward area. The company's line of products includes homeowners' insurance. Its team of agents provides clients with home insurance policies that include guaranteed replacement cost coverage. This type of home insurance plan covers all the costs involved in rebuilding a home after a disaster. The agency also assists homeowners with condo insurance, mobile home insurance, flood insurance, and renters' 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.
4.0
Yelp
4.0 / 5 (26)

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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
31080 Union City Blvd #201, Union City, CA 94587
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Gill Financial & Insurance Services is an independent insurance agency that caters to homeowners' needs in Hayward. Among its offered policies is the homeowners' insurance, which helps clients claim settlements from damages. It protects clients financially when they suffer losses because of a fire, theft, vandalism, or other disasters. It also provides coverage whenever someone injured in the property wins a legal judgment against the client. The agency has been in the insurance industry since 1993.

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 (8)
Facebook
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

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.
  • Are Hayward loan borrowers required to have homeowners’ insurance?

    Those in Hayward who wish to purchase a residence through a home loan are required by California law to have homeowners’ insurance. Their policy must have a dwelling coverage minimum of $200,000, a $1,000 minimum deductible, and a $100,000 liability coverage minimum. However, the hazards that the policy covers may depend on the insurance provider.

  • How much is earthquake insurance for Hayward homeowners?

    As of 2023, homeowners in Hayward and the rest of Alameda County pay an average of $6.47 per thousand dollars of coverage for earthquake insurance. Homeowners’ insurance typically does not provide coverage for earthquakes. Although state laws do not require earthquake insurance, California is home to a significant number of active fault lines.

  • Should Hayward homeowners take out flood insurance?

    It may be prudent for homeowners in Hayward to ensure that their homeowners’ insurance policy covers flooding, as the area has a Flood Vulnerability Score of 73.5 out of 100. In fact, according to data published by Insurify and the University of Notre Dame, Hayward ranks 12th in the top 20 U.S. cities that are the most vulnerable to flooding.

  • What factors affect one’s Hayward homeowners’ insurance premiums?

    The main factors that affect one’s homeowners’ insurance premium in Hayward are the coverage amount and one’s personal claim history. Insurance providers also take a look at the home’s location, crime rate in the neighborhood, number of primary inhabitants, age of the home, and state of its conditions and materials.

  • What discounts apply to Hayward homeowners’ insurance policies?

    Those in Hayward who purchase both homeowners’ and auto insurance from the same provider may be offered a multi-policy discount. Better rates may also be available to those who have never reported claims before or who have a credit score higher than 700. Some providers also offer secured home discounts for those who have security features such as extinguishers and burglar alarms.

  • 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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