Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lake Forest

Our Recommended Top 7

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 Lake Forest 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.

53Reviewed

34Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
21 Orchard Road, Lake Forest, CA 92630
  • Multiple Policy Types

Why choose this provider?

California Southwestern Insurance offers insurance options to residents and business property owners in Lake Forest and the surrounding areas. The types of coverage included in the homeowners' insurance policy include protection for the home's structure, coverage for detached structures, personal property coverage, temporary living expenses, and liability protection in the case of someone accidentally getting injured in the client's property. The company has been in the insurance industry since 1972.

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
4.8 / 5 (77)
Yelp
4.5 / 5 (8)
Facebook
4.2 / 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

Website
1 Orchard Road, Lake Forest, CA 92630
  • Renter's Insurance
  • Flood
  • Condos

Why choose this provider?

Shores Insurance Agency has provided personalized homeowners insurance coverage in Lake Forest for more than 30 years. The independent agency's licensed professionals are dedicated to delivering the most comprehensive options and competitive rates. They evaluate the dwelling's condition, size, and age, secondary structures, such as pools, fencing, additional storage or barns, and personal possessions. The team represents multiple carriers to help ensure its clients receive accurate coverage. Shores Insurance Agency also offers flood and earthquake 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
Facebook
5.0 / 5 (5)
Google
4.7 / 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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail

Website
14795 Jeffrey Road, Irvine, CA 92618
  • Personal Property Insurance

Why choose this provider?

KCAL Insurance Agency is a full-service company near Lake Forest that has offered high-quality insurance plans to homeowners, landlords, and renters since 1992. It has a wide range of home insurance options for covering a client's personal belongings and property from fires, floods, and other disasters. Its agents work with multiple insurance carriers, such as MetLife, Progressive, and Nationwide to provide additional liability insurance coverage. KCAL Insurance Agency also has life, auto, travel, and employee benefits insurance plans.

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 (130)
Google
5.0 / 5 (104)

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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 Spectrum Center Drive, Irvine, CA 92618
  • Personal Property Insurance

Why choose this provider?

Founded in 1992, COTO Insurance & Financial Services is a full-service company with a variety of home insurance options available for homeowners in and around Lake Forest. Its agents work with over 100 insurance carriers to find the right home insurance policy that meets a client's coverage needs and budget. The company helps individuals and families obtain reliable life, health, auto, dental, and travel insurance. COTO Insurance's other services include estate planning, retirement savings, and charitable gifting.

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

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
23725 Birtcher Drive, Lake Forest, CA 92630
  • Renter's Insurance
  • Condos

Why choose this provider?

Reeves-Reeves and Associates Insurance Services is a family-owned and operated business based in Lake Forest. The company provides assistance in various areas including home insurance. The agents offer financial protection for owners of single-family homes, multi-family homes, high-value homes, and rental properties. They help homeowners acquire different coverage types including personal property coverage. Covered under this policy are electronics, movable appliances, home decor, clothing, and toiletries. Reeves-Reeves and Associates Insurance Services has been serving the industry for over six decades.

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)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
23002 Lake Center Drive, Lake Forest, CA 92630
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Blackwell Insurance Agency has provided homeowners insurance solutions in Lake Forest and the surrounding area for more than 61 years. The independent company's licensed agents research multiple carriers to offer personalized coverage for their clients. The agency helps ensure homeowners are protected against losses caused by fires, storms, theft, and vandalism. Policies include the dwelling and other structures on the property and personal possessions as well as personal liability protection.

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 (203)
Facebook
4.9 / 5 (33)
Yelp
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
23101 Lake Center Drive, Lake Forest, CA 92630
  • Renter's Insurance
  • Flood
  • Earthquake

Why choose this provider?

Membrila Insurance Services, Inc. delivers personal and commercial insurance solutions to clients in Lake Forest and the neighboring areas. The agents discuss the sections included in the homeowners' insurance policy coverage. The sections include financial losses in case of disasters such as a fire, personal items coverage including prized possession such as jewelry and antiques, replacement cost coverage, and temporary living expenses. The company started in Orange County in the late 1950s and now has over a century of collective experience.

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 (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

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.
  • What measures can homeowners in Lake Forest take to potentially lower their insurance costs?

    Residents of Lake Forest can achieve reduced insurance costs by strengthening their rooftops with robust materials. Modernizing heating, electrical, and plumbing systems can decrease the possibility of fires and water damage. Moreover, renovating vintage homes boosts their resilience against seismic events. These enhancements not only fortify homes but also lead to monetary benefits in terms of insurance deductions.

  • How does insurance for mobile homes in Lake Forest compare to that of traditional homeowners' insurance?

    Like traditional homeowners' insurance, mobile home insurance includes coverage for dwelling, personal belongings, and liability. However, unlike traditional homes, mobile homes aren't legally required to have insurance. Nonetheless, many mortgage firms and mobile home parks demand proof of coverage. Thus, skipping insurance for mobile homeowners in Lake Forest is a choice that needs careful consideration.

  • What does the "Coverage F - Medical Payments to Others" in homeowners' insurance cover for residents of Lake Forest?

    The "Coverage F - Medical Payments to Others" in homeowners' insurance takes care of the medical expenses for people in Lake Forest injured on a homeowner's property. For instance, if a child sustains injuries at a neighbor's home, this segment addresses those medical costs. However, it excludes the homeowner, those living in the same household, and injuries from business activities. This coverage isn't a health insurance replacement. Detailed exclusions are provided in the policy.

  • What is contents coverage in a Lake Forest homeowner's insurance policy?

    Contents coverage in homeowners' insurance policies, often termed "Personal Property" coverage, pertains to the protection of possessions within the policyholder's residence. If a covered peril, like theft or damage, occurs, this coverage aids in replacing the individual's personal belongings. To fully benefit, homeowners in Lake Forest should maintain an updated home inventory to determine the appropriate coverage amount.

  • Before starting renovations, what steps should residents of Lake Forest take concerning their homeowner's insurance policies?

    Before starting renovations, it's crucial for Lake Forest residents to review their homeowner's insurance policies to ensure comprehensive coverage. This proactive step provides clarity on coverages for possible remodeling mishaps, on-site accidents, code-related discrepancies, and value upticks post-refurbishing. If renovations introduce an "attractive nuisance" — items like trampolines, pools, or playsets that lure kids but pose risks — homeowners should confirm these additions are insured.

  • 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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