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Best Homeowners Insurance Agencies in Irvine

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2023
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Broadway Insurance Services logo
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License Verified:

License: 0J21932

California Department of Insurance

Broadway Insurance Services

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557 W. 23rd St, Los Angeles, CA 90007
  • Renter's Insurance
  • Earthquake
  • Homeowners

Business Description

Broadway Insurance Services addresses the needs of clients in Irvine. The company aims to help individuals protect their properties by providing homeowners', renters', and condo insurance. Its homeowners' insurance policy provides a wide range of coverage for the properties, such as personal injury and liability and dwelling and replacement cost. The client can also alter this policy and include coverage for service line protection, identity theft, and increased cost of construction. Its additional insurance products include vehicles, commercial property, business owners, and professional liability.

License Verified:

License: 0J21932

California Department of 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 (70)
Google
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
California Southwestern Insurance Agency logo

California Southwestern Insurance Agency

21 Orchard, Lake Forest, CA 92630
  • Renter's Insurance
  • Condos
  • Earthquake
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

California Southwestern Insurance Agency is an Irvine-based independent insurance agency. The company provides comprehensive home insurance policies that cover natural disasters, home contents, personal liability, and earthquake. It offers mobile home insurance as well. Agents shop your insurance with all of their highly rated companies, including Mercury, Safeco, Foremost and many others. The goal is to offer the most comprehensive coverage at the lowest available premium. California Southwestern Insurance Agency also offers auto, umbrella and rental property insurance options.

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 (77)
Facebook
4.7 / 5 (13)
Yelp
4.5 / 5 (8)

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
Carmack Insurance logo

Carmack Insurance

4000 Westerly Pl Ste 200, Newport Beach, CA 92660
  • Renter's Insurance
  • Fire
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Carmack Insurance is a third generation family-owned insurance provider. It works with major firms, including AIG, CHUBB, Safeco, and Liberty Mutual. The firm has offices in Newport Beach and Pasadena, California. With more than 90 years in the market, it specializes in home insurance policies, and customers benefit from focused insurance plans that safeguard the property against unforeseen events and liability claims. Carmack Insurance also provides a wide range of services such as travel, yacht, automobile, and business 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 (14)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
CDW Insurance logo
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License Verified:

License: 0F64150

California Department of Insurance

CDW Insurance

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1124 Main St - Suite D, Irvine, CA 92614
  • Multiple Policy Types
  • Homeowners

Business Description

CDW Insurance is an independent agency that offers its services in the Irvine metro. It provides financial protection to families and individuals through its homeowners' insurance policies. The company creates personalized coverages to protect clients and their investment properties from theft and natural disasters. Its agents also craft insurance policies for artworks and pieces of jewelry. They also serve clients who want to acquire commercial plans, including general liability and builders' risk insurance. CDW Insurance represents various carriers, such as Foremost and Progressive.

License Verified:

License: 0F64150

California Department of Insurance

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
CKS Insurance logo
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License Verified:

License: 0J10915

California Department of Insurance

CKS Insurance

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2691 Richter Ave, Irvine, CA 92606
  • Renter's Insurance
  • Personal Property Insurance

Business Description

CKS Insurance is an independent agency that provides personal insurance products such as auto, umbrella, and home to Asian clients in Irvine. It assists in choosing a suitable homeowners' insurance policy based on clients' goals and needs. The firm also offers flood, earthquake, fire, and liability insurance. Additionally, clients can choose to insure the contents of their properties, such as storage units and RVs. CKS Insurance also offers commercial, business, health, and life insurance products.

License Verified:

License: 0J10915

California Department of 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
4.9 / 5 (76)
Yelp
4.0 / 5 (6)

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
Contact Premier Associates Insurance Brokers logo

Contact Premier Associates Insurance Brokers

3931 Birch St Ste B, Newport Beach, CA 92660
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Contact Premier Associates Insurance Brokers provides home insurance services to the Irvine, California, metro area, assisting clients with finding insurance providers, assessing affordable rates, and finalizing agreements. It procures coverage for both primary and vacation homes, and helps landlords to insure rental properties. The agency also works with tenants to insure their personal belongings via renters insurance policies. Contact Premier Associates Insurance Brokers offers auto, business, and group benefit insurance services as well.

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 (20)

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 Affinity Insurance Solutions logo

First Affinity Insurance Solutions

23034 Lake Forest Dr Ste B, Laguna Hills, CA 92653
  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

First Affinity Insurance Solutions is an independent insurance agency based in Laguna Hills, California, serving personal and business clients in the Irvine metro area. It is a full-service agency with home insurance among its portfolio of products, providing homeowners with adequate coverage within their budget. Working with its insurance carrier partners, the agency builds a policy that can cover the costs of building repairs, replacement of lost personal property, and liability protection if a visitor is injured in the home.

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 (9)
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
Hilliard and Associates Insurance Brokers logo

Hilliard and Associates Insurance Brokers

3158 Red Hill Ave Ste 150, Costa Mesa, CA 92626
  • Renter's Insurance
  • Condos
  • Fire
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Founded in 1949, Hilliard and Associates Insurance Brokers is a family-owned and operated home insurance agency located in Costa Mesa, California, and serves surrounding areas, including Irvine. Working with multiple insurance carriers, the agents at Hilliard and Associates help clients secure and maintain a home insurance plan that best fits their budget and needs. Policies cover personal liability and financial loss due to water damage, fire, vandalism, and storms. The firm also provides auto, renters, and commercial 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
Facebook
5.0 / 5 (5)

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
Hodge & Hodge Insurance logo
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License Verified:

License: 0795159

California Department of Insurance

Hodge & Hodge Insurance

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10 Hughes, Suite A205, Irvine, CA 92618
  • Condos
  • Homeowners

Business Description

Hodge & Hodge Insurance caters to the needs of individuals and families in Irvine. Its co-owner, Dick Hodge, has been in the insurance industry for over 50 years. He aims to help individuals protect their properties by providing homeowners', renters', condos, and fire insurance. Hodge also provides options for auto, motorcycle, and boat coverage. He is active in the community and is a former president of the Newport Beach Exchange Club. Hodge & Hodge Insurance has a mascot, Clooney, a 105-pound, 3-year-old Goldendoodle that entertains clients who visit the company's office.

License Verified:

License: 0795159

California Department of 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 (2)
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
Invensure logo
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License Verified:

License: 0E28842

California Department of Insurance

Invensure

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300 Spectrum Center Dr, Irvine, CA 92618
  • Homeowners

Business Description

Invensure is an independent insurance agency that has been operating in Irvine since 1959. It helps individuals and families in protecting their homes and personal properties by providing homeowners' insurance products. The process includes identifying risks and exposures, establishing insurance plan designs, and conducting ongoing representation of insurable interests. The agency's president, Richard Sherman, started his career in the insurance industry in 1982. He supports charitable organizations like Surfrider Foundation and Kids Cancer Connection.

License Verified:

License: 0E28842

California Department of 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 (14)
Google
5.0 / 5 (5)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Morning Star Agency Insurance Services logo

Morning Star Agency Insurance Services

1340 Reynolds Ave Ste 103, Irvine, CA 92614
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 2000, Morning Star Agency Insurance is an independent company located in Irvine, California. Home coverage professionals work with several carriers, such as Progressive, AIG, and The Hartford, to get clients the best possible protection at a competitive rate. Policies cover damages to homes and property from wind, fire, lightning, burglary, and vandalism. Separate coverage is necessary for floods and earthquakes. Other options include condominium, mobile and manufactured home, renters, and vacation rental 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 (20)
Facebook
5.0 / 5 (11)
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
Ortega Ranch Insurance Agency logo

Ortega Ranch Insurance Agency

27221 Ortega Hwy Ste D, San Juan Capistrano, CA 92675
  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Ortega Ranch Insurance Agency assists clients in the Irvine, California, metro area with home insurance policies. This agency offers policies for single family homes, multi-family properties, rental properties, vacation homes and rentals, and condominiums. Specialty insurance is available for high-value properties, high brush exposure, and scheduled personal property. Jewelry floaters can be purchased in add-on to many of its policies along with earthquake and flood insurance. Ortega Ranch Insurance Agency also handles auto, life, and business 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

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
Parmenter Insurance Agency, Inc. logo

Parmenter Insurance Agency, Inc.

23322 Peralta Dr Ste 5, Laguna Hills, CA 92653
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Parmenter Insurance Agency, Inc. sells home insurance policies to clients in the Irvine, California, metro area. Its agents help clients to find rates and understand basic coverage options for property, personal property, and liability, and they consult on additional options for flooding, earthquakes, and comprehensive circumstances. Outside of single family homes, Parmenter Insurance Agency, Inc. covers farms and ranches, apartment buildings, and condominiums. The agency is full service and handles policies for automobiles, businesses, and life insurance as well.

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
Facebook
4.9 / 5 (26)
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
Partners Direct Insurance Services logo

Partners Direct Insurance Services

19782 MacArthur Blvd Suite 250, Irvine, CA 92612
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Partners Direct Insurance Services is an Irvine, California-based insurance agency serving the entire metro area. It is a full service agency specializing in Home, Auto, Business Insurance, Workers Comp and Group Health Insurance. Partners Direct also assists clients with shopping for rates from various providers while consulting on necessary coverage areas as well as additional protections such as flooding and earthquake insurance for single-family homes, apartments, and condominiums. Renter's insurance is also available to clients who want to protect their personal belongings while living in a leased structure.

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
Yelp
5.0 / 5 (17)
Facebook
5.0 / 5 (12)
Google
4.0 / 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
Prime Insurance Services Inc. logo

Prime Insurance Services Inc.

9891 Irvine Center Dr Ste 160, Irvine, CA 92618
  • Renter's Insurance
  • Condos
  • Earthquake
  • Fire
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Active for over 20 years, Prime Insurance Services Inc. operates within the Irvine, California, metro area, consulting clients on homeowners insurance policies. Its agents are experienced with policy areas for both renters and home owners and they offer assistance with single family homes, condominiums, and manufactured homes. They inform clients on standard policy areas as well as additional coverage options, such as policies for earthquake insurance and special property protections for antiques and collectibles.

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)
Yelp
5.0 / 5 (15)

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
Schweickert & Company logo

Schweickert & Company

17300 Red Hill Ave Ste 210, Irvine, CA 92614
  • Renter's Insurance
  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Schweickert and Company is a general insurance brokerage firm located in Irvine, California. It has been insuring clients since 1979 and focuses on matching them with the insurance companies and policies that fit their needs. Schweickert and Company's homeowners policy provides clients with general liability and property damage coverage. It also includes coverage in the event of libel, defamation, or slander, and it provides property coverage in instances involving fire, weather, earthquake, or flood damage.

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
Facebook
5.0 / 5 (10)
Google
4.5 / 5 (2)
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
Scott Stevens logo
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License Verified:

License: 0832839

California Department of Insurance

Scott Stevens

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4482 Barranca Parkway, Irvine, CA 92604
  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Scott Stevens is a State Farm insurance agent that has been serving the Irvine community since 2000. Starting his career as a fire claims adjuster, Stevens now educates English and Spanish-speaking individuals about a wide range of homeowners' insurance options to help them in making informed decisions. The customizable solutions include protection from financial losses caused by circumstances like theft, fire, and liability. Stevens' team also offers life, business, and pet insurance. He also supports the Second Harvest Food Bank of Orange County.

License Verified:

License: 0832839

California Department of 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 (84)
Google
5.0 / 5 (59)

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
Steven Wang logo
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License Verified:

License: 0H45117

California Department of Insurance

Steven Wang

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15333 Culver Drive Ste 130, Irvine, CA 92604
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Steven Wang is a second-generation State Farm insurance agent who has been serving clients in Irvine and the surrounding areas since 2001. He provides insurance solutions to individuals and business owners for their home, auto, and business needs. His multi-lingual team covers services on banking, mutual funds, and annuities to ensure that clients meet their financial goals. Steven Wang is a sponsor of UC Irvine Medical Center as part of his commitment to his community.

License Verified:

License: 0H45117

California Department of 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.
4.9
Google
5.0 / 5 (180)
Yelp
4.5 / 5 (42)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Wigmore Insurance Agency, Inc. logo

Wigmore Insurance Agency, Inc.

880 W 19th St, Costa Mesa, CA 92627
  • Renter's Insurance
  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Business Description

Wigmore Insurance Agency is located in Costa Mesa, California. It's an independent brokerage that provides home insurance, as well as a variety of other insurance options, to residents throughout the area, including Irvine. The company works with a variety of carriers, including Allied Insurance, Mercury Insurance Group, and The Hartford. It offers homeowners insurance policies that are comprehensive and its agents work hard to find affordable rates for all clients.

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
Google
4.0 / 5 (6)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Wolcott Insurance Services logo

Wolcott Insurance Services

23120 Alicia Pkwy Ste 231, Mission Viejo, CA 92692
  • Multiple Carriers

Business Description

Wolcott Insurance Services works with carriers such as Travelers and Safeco to provide residents of Irvine, California with trusted home insurance policies. Its agents work one-on-one with clients to review their current policies and help them to improve their coverage wherever possible. The company also makes a point of finding the lowest possible rates for its clients. Wolcott Insurance Services also offers business and auto insurance policies. It is a Better Business Bureau accredited business.

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.
4.6

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.
  • 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.