Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Lancaster

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 Lancaster 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.

98

Reviewed

61

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5015 Avenue L-14, Quartz Hill, CA 93536
  • Fire
  • Earthquake
  • Renter's Insurance

Why choose this provider?

So. Cals Best is an insurance agency that provides services to clients in Lancaster and the surrounding areas. It offers homeowners' insurance coverage to help clients protect their families and investments. This policy covers damage from potentially catastrophic events, including earthquakes, sporadic hurricanes, and wildfires. The agency also provides options for auto, commercial, contractor liability, and workers' compensation insurance. Its agents also cater to clients with accident claims, DUI arrests, or in need of SR-22 insurance.

License Verified:

License: 0C29546

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)

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
3011 Rancho Vista Boulevard, Palmdale, CA 93551
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Pat Rossall, a State Farm insurance agent, serves clients in the Lancaster area. Rossall provides comprehensive homeowners' insurance policies inclusive of coverage for keepsakes, personal properties, and home and garden structures and furniture. He also offers protection from disturbances such as winds or hails, frozen plumbing systems, fire damages, theft or vandalism, and heating or cooling systems damages. Rossall has over 35 years of experience in the industry and has bilingual agents capable of assisting Spanish-speaking 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.
4.8
Google
4.8 / 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
44030 10th St W, Lancaster, CA 93534
  • Flood
  • Earthquake
  • Multiple Policy Types

Why choose this provider?

Agency One Insurance Services Inc. is a full-service insurance firm that helps residents and businesses in Lancaster protect their homes and investments. The company's agents assist individuals and families in choosing the right homeowners' insurance policy that can best meet their needs. The firm also provides dwelling fire insurance policy that protects the homes and personal assets of policyholders in a fire emergency. Other offerings include all types of personal and commercial insurance packages. The company also serves clients in California and Arizona.

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.
4.4
Google
4.4 / 5 (51)

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

Website
38417 20th Street East, Palmdale, CA 93550
  • Personal Property Insurance

Why choose this provider?

Global First Insurance & Tax Services is a full-service insurance company serving clients' needs in Lancaster and the surrounding areas. The firm assists individuals and families in realizing their homeownership goals with a homeowners' insurance policy. Its insurance agents represent global providers and help clients choose the right policy akin to their needs. The team also offers other insurance products, including renters', mobile home, auto, motorcycle, life, and health insurance plans. In addition, the company serves Spanish-speaking communities.

License Verified:

License: 0L65842

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 (264)
Facebook
5.0 / 5 (34)
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
1805 West Avenue K, Lancaster, CA 93534
  • Homeowners
  • Flood
  • Earthquake

Why choose this provider?

Suzanne Rojan is an insurance agent at State Farm who caters to clients throughout the Lancaster metro and nearby communities. She offers homeowners' insurance and assists with other areas, like policies for condo units, farms and ranches, and manufactured homes. Rojan also educates clients on flood insurance coverage overseen by the Federal Emergency Management Agency. She likewise provides life, health, auto, flood, and earthquake insurance policies. Suzanne Rojan has over 40 years of experience in the insurance industry.

License Verified:

License: 0562394

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.
4.6
Google
4.7 / 5 (30)
Yelp
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1007 East Avenue J, Lancaster, CA 93535
  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Gladstone Insurance is an agency that offers homeowners' insurance solutions for property owners in Lancaster and the surrounding areas. It comprises a team of insurance agents that knows how to examine clients' situations and assist in finding coverage that suits unique needs and budget considerations. They also review clients' insurance policies on a regular basis to ensure it aligns with various life changes, such as increased construction costs, new pets, and possessions. They also have insurance products for cars, motorcycles, and boats.

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.
3.8
Google
3.8 / 5 (32)
Facebook
5.0 / 5 (4)
Yelp
2.5 / 5 (3)

Website
902 W Lancaster Blvd, Lancaster, CA 93534
  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

John E. Peakes Insurance Agency has been catering to the insurance needs of residents and businesses in Lancaster since 1969. The company assists private residence owners in insuring their homes, personal valuables, and other investments under a homeowners insurance policy. It provides several types of homeowners coverage, including structural coverage, replacement costs, owner liability, and additional living expenses due to relocation or temporary dwelling. Other offerings include personal, business, gym and fitness studio, apartment building, and restaurant insurance policies. The company also serves clients on the East Coast.

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
4.9 / 5 (63)
Facebook
5.0 / 5 (27)
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

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 wildfires in Lancaster covered by home insurance?

    Typically, homeowners insurance policies in Lancaster provide coverage for wildfires. These policies offer a range of coverage options tailored to assist policyholders in managing the financial implications of home repairs, reconstructions, or the replacement of personal belongings due to fire-related incidents. One must expect to pay a much higher rate for home insurance on average for homes located in wildfire-prone or high-risk areas. In certain cases, insurers will not offer home insurance in locations where wildfires are frequent.

  • Do those who use fire safety devices qualify for discounts on their homeowners insurance in Lancaster?

    Certain insurance providers offer incentives or discounts to policyholders in Lancaster who have installed specific fire safety equipment, such as smoke detectors, fire alarms, and fire extinguishers, in their homes. This practice is in response to the California Department of Insurance mandating that insurance companies operating within the state grant discounts on residential property insurance premiums when policyholders take steps to mitigate wildfire risks.

  • Does homeowners insurance in Lancaster cover flood damage?

    Standard home insurance policies in Lancaster do not encompass coverage for flood-related damage. Since California is susceptible to flooding across various regions, it's imperative for homeowners to consider additional protection in the form of flood insurance. Homeowners have the option to acquire flood insurance through either the National Flood Insurance Program or private insurance providers.

  • Where may residents of Lancaster file complaints against their homeowner's insurance providers?

    The California Department of Insurance may be able to help residents of Lancaster who want to complain to their insurance provider or learn more about their rights as policyholders. The department's official website provides valuable resources, including a tool for finding home insurance and a roster of companies that provide different conditions policies. Support is accessible in both English and Spanish by dialing 800-927-4357.

  • Is a visual inspection of the property required before issuing homeowners' insurance in Lancaster?

    A visual inspection of properties in Lancaster is not always obligatory, but it can aid insurance companies in ascertaining the necessary coverage amount for individuals. In cases where a residence is older or hasn't undergone an assessment in a decade, insurance providers might deem it necessary to conduct a home inspection. This assessment aids in locating potential problems, like obsolete electrical wiring or an old roof.

  • 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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