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Best Homeowners Insurance Agencies in Lake Forest

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Blackwell Insurance Agency logo
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Blackwell Insurance Agency

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

Business Description

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
California Southwestern Insurance logo
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California Southwestern Insurance

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

Business Description

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.
4.8
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
COTO Insurance & Financial Services logo
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COTO Insurance & Financial Services

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

Business Description

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
Google
4.0 / 5 (75)
Facebook
4.0 / 5 (64)
Yelp
4.0 / 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
KCAL Insurance Agency logo
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KCAL Insurance Agency

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Membrila Insurance Services, Inc. logo
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Membrila Insurance Services, Inc.

23101 Lake Center Drive, Lake Forest, CA 92630
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  • Renter's Insurance
  • Flood
  • Earthquake

Business Description

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.
4.5
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
Reeves-Reeves and Associates Insurance Services logo
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Reeves-Reeves and Associates Insurance Services

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

Business Description

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)

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
Shores Insurance Agency logo
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Shores Insurance Agency

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

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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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