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Best Homeowners Insurance Agencies in Manteca

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AAA Manteca Branch logo
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AAA Manteca Branch

190 Commerce Avenue, Manteca, CA 95336
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  • Multiple Policy Types

Business Description

AAA Manteca Branch offers a wide range of insurance coverage and services. A variety of homeowners' insurance coverage options is available to help clients maximize the protection for their house, apartment, or condo. Standard coverage includes dwelling and other structures, personal property, personal liability, and loss of use. Agents can also assist clients who want coverage add-ons to protect their homes from the damage caused by earthquakes and floods. This agency also offers home and auto bundle 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.
4.3
Google
4.3 / 5 (334)

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
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Detail
ADI Insurance & Financial Services logo
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ADI Insurance & Financial Services

825 East Yosemite Avenue, Manteca, CA 95336
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  • Multiple Policy Types

Business Description

ADI Insurance & Financial Services is an insurance agency in Manteca that assists customers with finding and purchasing homeowners policies. The company offers instant quotes via an online calculator, and its standard homeowners insurance plans can include storm and wind damage, sinkholes, sewer and septic backups, personal liability for injuries that occur on homeowner properties, and personal property replacement costs. Additionally, ADI Insurance & Financial Services offers separate plans for earthquakes and 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.
5.0
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

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
Angel Sepulveda - State Farm Insurance Agent logo
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Angel Sepulveda - State Farm Insurance Agent

1746 Grand Canal Boulevard, Stockton, CA 95207
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Angel Sepulveda - State Farm Insurance Agent is a licensed homeowners insurance provider serving customers in Manteca and neighboring cities. In business since 2009, Ms. Sepulveda and her team assist clients with obtaining homeowners polices that provide coverage in the event of unforeseen circumstances such as fires, vandalism, and injuries that take place on the property of the policy holder. Separate policies are provided for earthquake and flood damage, and the company's additional insurance products include auto, life, and health 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.
4.8
Facebook
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
arrowheadinsurance.com logo
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arrowheadinsurance.com

3508 Dale Road, Modesto, CA 95356
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  • Renter's Insurance
  • Condos

Business Description

Arrowhead Insurance Agency is a full-service insurance provider that offers a wide range of homeowners insurance products. In business since 1998, the company networks with multiple policy carriers to match homeowners with plans that suit their home sizes and coverage needs. Homeowners products offered include property insurance, homeowners liability, condo insurance, and mobile home insurance, with coverage for natural disasters and property loss. Additionally, the company provides separate policies for in-home businesses and landlords.

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
5.0 / 5 (1)

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
Del Morris Insurance Agency logo
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Del Morris Insurance Agency

1408 West Main Street, Ripon, CA 95366
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  • Renter's Insurance
  • Homeowners

Business Description

Del Morris Insurance Agency is a local independent insurance agency in Manteca that has been providing a wide array of personal insurance products since 2003. With access to top regional and national insurance carriers, its agents are able to provide comprehensive solutions to protect the clients' homes, personal possessions, and automobiles. They offer different types of home insurance protection, including mobile home and motor home insurance. The agency uses advanced software to determine the right insurance coverage for the 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.
5.0
Google
5.0 / 5 (7)

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
Manteca Insurance & Financial Services logo
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Manteca Insurance & Financial Services

1463 Moffat Boulevard, Manteca, CA 95336
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

Manteca Insurance & Financial Services is a team of agents that offer a number of products, including home insurance. Depending on clients' needs, the risk management specialists furnish plans that may cover damages resulting from fire, theft, vandalism, and natural calamities like storms. They have access to insurance policies from multiple providers such as Nationwide, Progressive, Foremost Insurance Group, and Travelers. Manteca Insurance & Financial Services has been protecting clients since 1941. It is also licensed to operate in Indiana.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

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
Mark Twain Insurance Services logo
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Mark Twain Insurance Services

7337 Pacific Avenue, Stockton, CA 95207
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  • Renter's Insurance
  • Flood
  • Condos

Business Description

Mark Twain Insurance Services is an insurance agency based in the Manteca metro area that provides homeowners policies. The company's agents work one-on-one with all customers, and all policies are personalized to meet specific needs and budgets. Homeowners insurance plan offerings include property insurance, homeowners liability, condo insurance, and mobile home insurance, and the business offers separate plans for landlords and renters. Mark Twain Insurance Services is fully licensed, and its agents also assist clients with auto and life 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
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

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
Micheletti Alternative Insurance Solutions logo
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Micheletti Alternative Insurance Solutions

300 Banner Court, Modesto, CA 95356
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Micheletti Alternative Insurance Solutions is a professional insurance agency based in Manteca that handles homeowners policies. The company offers plans and policies for single-family home owners, apartment buildings and condos, townhomes, and mobile homes. Its homeowners policies typically provide coverage for property loss, personal liability, damage and re-building due to fires or severe weather, and damage to outlying areas. The business provides no-obligation quotes through its online quote calculator, and its additional insurance products include motorcycle, auto, and boat 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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

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
Wylie Insurance Services logo
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Wylie Insurance Services

1729 Tully Rd Ste 6, Modesto, CA 95350
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Earthquake
  • Condos

Business Description

Wylie Insurance Services offers homeowners and property insurance policies to customers in Manteca and neighboring areas. The company's agents advise on specific coverage for basic plans that include costs of home damage due to certain weather disasters, fires, and vandalism, and personal liability for injuries that occur on the property. For disasters such as earthquakes and flooding, the company sells separate policies to help clients prevent insurance gaps. Home types covered by the agency's standard plans include single-family, manufactured homes, and RVs.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

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
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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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