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Best Homeowners Insurance Agencies in Hemet

2024

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Providers

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Website
1900 East Florida Avenue, Hemet, CA 92544
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Located in Hemet, All Discount Insurance has more than 25 years of experience helping clients in the city and throughout California, Texas, and Arizona. This agency is committed to helping its clients find affordable coverage that protects their mental health in the event of a major disaster. Its home insurance policies typically cover fire, theft, and water damage. Additional flood insurance can often be purchased on top of homeowners' 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.
4.2
Google
4.2 / 5 (19)
Yelp
4.5 / 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
629 East Florida Avenue, Hemet, CA 92543
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Aloha Village Insurance Services is an independent insurance agency located in Hemet, California. It is locally and family-owned and has been in business since 1978. It offers personalized comprehensive homeowners' insurance policies written by seasoned insurance agents. Coverage options of houses and other structures, condominiums, renters, and mobile homes are available. Other personal insurance products include life insurance, auto insurance, RV insurance, motorcycle insurance, and recreational and boat insurances. It also provides commercial insurance products such as general liability insurance and workers' compensation 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
Google
4.8 / 5 (34)
Yelp
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
707 South Sanderson Avenue, Hemet, CA 92545
  • Multiple Policy Types

Why choose this provider?

Ana Marie Cruz State Farm Insurance Agent is available to help her clients 24 hours a day. She and her team provide homeowners insurance in Hemet and throughout all of California and Arizona. In addition to home coverage, this agency also sells a range of other personal and commercial insurance products. That includes auto, pet, property, business, life, and health insurance coverage. Ms. Cruz has been in the insurance industry since 2002.

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.
4.5
Google
4.4 / 5 (58)
Facebook
5.0 / 5 (12)
Yelp
3.7 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
243 North Sanderson Avenue, Hemet, CA 92545
  • Multiple Policy Types

Why choose this provider?

Aguayo Insurance Solutions, Inc., is a local, family-owned, independent insurance agency that serves a wide area in California from its two locations in Moreno Valley and Hemet. One of its main offerings is homeowners' insurance, which typically has coverage for property, personal property, liability, medical expenses, and living expenses. It has related but separate policies for beach homes, high-value homes, rentals, and vacation homes. The firm also offers auto, business, and 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
Google
5.0 / 5 (147)
Yelp
4.5 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
400 South State Street, Hemet, CA 92543
  • Renter's Insurance
  • Condos

Why choose this provider?

Russell & Kaufmann Insurance is a local homeowners' insurance agency serving families in Hemet and the surrounding areas. Its insurance professionals assist homeowners who are looking for policies that can protect their homes and their finances. They offer homeowners' liability quotes that can cover liability defense fees, property damage claims, and injured parties' medical expenses. Additionally, Russell & Kaufmann Insurance also provides quotes for condo insurance, mobile home 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.
3.9
Google
3.9 / 5 (12)

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
24267 Sunnymead Boulevard, Moreno Valley, CA 92553
  • Multiple Policy Types

Why choose this provider?

Control Insurance Services Inc. has been serving clients in the Hemet area since 1999. This agency offers an array of personal products, including homeowners insurance. Its team helps clients determine the right amount of insurance for their homes and belongings and shops around on their behalf to find policies that suit their needs and budgets. Control Insurance Services works with an array of carriers, including Bristol West Insurance Group and GMAC 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.
4.2
Facebook
5.0 / 5 (3)
Yelp
3.0 / 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
3750 East Florida Avenue, Hemet, CA 92544
  • Multiple Policy Types

Why choose this provider?

Agape Brokers Insurance Agency provides insurance solutions for homeowners in Hemet. This company helps families and individuals protect their homes and personal belongings from risks such as fires, robberies, and unforeseen incidents that may affect their finances. Its professional agents advise clients on maximizing the value of their insurance policies while possessing comprehensive coverage plans. The firm also offers renter's insurance to help college students protect their assets in a rented home or apartment.

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

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.
  • Can insurance companies in Hemet deny coverage based on a property's condition?

    Insurance companies in Hemet can refuse coverage based on a property's condition. This can include various maintenance problems such as cracked foundations, leaky roofs, outdated electrical systems, unreliable plumbing, broken windows, and damaged chimneys. Even a messy or cluttered house could lead to coverage denial, as hoarding behaviors might cause hidden issues like mold growth or obstructed pathways. These conditions present hazards that insurers might use as evidence of a property being uninsurable.

  • Is earthquake damage covered by standard homeowners' insurance in Hemet?

    No. Standard homeowners' insurance in Hemet does not include coverage for earthquake damage to your home or personal belongings. Unless you have a separate earthquake insurance policy, you will not have protection for expenses related to earthquake damage or the costs of temporary living arrangements during the repair or rebuilding process.

  • Can previous claims affect homeowners' insurance premiums in Hemet?

    Yes, in Hemet, filing a claim can result in increased premiums. Claims made in the past three to seven years typically have the greatest impact on insurance rates, especially significant losses such as post-fire reconstruction or liability-related claims. Multiple claims filed within a short period are also likely to result in higher rates and the possibility of non-renewal by the insurance company.

  • Are personal belongings stolen outside your home covered by homeowners' insurance in Hemet?

    Generally, homeowners' insurance provides coverage for theft both within and outside your property in Hemet. However, items like trailers, campers, and watercraft stolen away from your residence are usually not included. Note that not all homeowners' insurance policies automatically include coverage for belongings taken off-premises. To determine if you are covered for theft of belongings outside your home and the extent of coverage, it’s recommended to communicate with your insurer and understand your policy’s terms.

  • Can homeowners' insurance help with temporary living expenses if your home is uninhabitable in Hemet?

    Standard homeowners' insurance policies in Hemet usually include coverage known as "alternative living expense" (ALE) or "loss of use" coverage. This is designed to reimburse you for additional living expenses incurred as a result of your home being rendered uninhabitable due to a covered loss. These expenses might cover the cost of staying in a hotel or apartment. Additionally, insurance typically extends ALE coverage if you are subject to a mandatory evacuation due to emergencies like hurricanes, tornadoes, or floods.

  • 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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