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Best Homeowners Insurance Agencies in Menifee

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Carver Insurance Services, Inc. logo
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Carver Insurance Services, Inc.

40525 California Oaks Road, Murrieta, CA 92562
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  • Multiple Policy Types

Business Description

Carver Insurance Services, Inc., is a firm that helps clients around Menifee secure financial protections for their residences. Based in Temecula, the agency helps homeowners identify suitable coverage options based on replacement costs, deductibles, and other factors such as pets, property age, and roof condition. Carver Insurance Services also offers insurance support for renters, businesses, and vehicle owners. Founded in 2004 by Diana Carver, the firm has helped address the insurance needs of over 3,500 homes.

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
4.6 / 5 (38)
Yelp
4.5 / 5 (20)
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.
5.0
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hannoushinsurance.com logo
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hannoushinsurance.com

28125 Bradley Road, Menifee, CA 92586
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  • Flood

Business Description

Hannoush Insurance Agency assists first time homebuyers and current homeowners with securing homeowners insurance policies. The company offers policies that include coverage for damage to homes and detached structures caused by fires, vandalism, and break-ins, and it provides guidance on obtaining separate flood damage policies. The business partners with multiple insurance companies to compare rates and customize plans to suit customer needs and budgets, and it also offers individual liability and auto 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 (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
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Detail
Menifee Insurance Agency logo
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Menifee Insurance Agency

32395 Clinton Keith Road, Menifee, CA 92595
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  • Flood
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Business Description

Menifee Insurance Agency is a homeowners' insurance provider. It was founded by Andy Morris, an insurance agent who has had over 20 years of experience in the industry. Morris helps clients find the appropriate insurance policy that suits their needs. The company's insurance policies provide coverage for the structure, its contents, and other factors such as valuable items, replacement cost, liability, and additional living expenses after a disaster. Menifee Insurance Agency also offers condo and landlord 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

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
menifeeinsurancequotes.com logo
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menifeeinsurancequotes.com

32395 Clinton Keith Road, Wildomar, CA 92595
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

Wildomar Insurance helps homeowners in Menifee mitigate financial risks associated with their homes and belongings. Its insurance specialists aim to understand clients' needs and provide custom insurance solutions. They also educate homeowners about the insurance process and coverage options and assist in determining applicable coverage types, such as repairs of home structures and loss of personal possessions. In addition, they inform clients of actual cash and replacement values to estimate financial compensation. Wildomar Insurance also offers 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.
5.0
Google
5.0 / 5 (7)
Facebook
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
Pacific Crest logo
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Pacific Crest

28125 Bradley Road, Menifee, CA 92586
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

Pacific Crest is an independent insurance agency serving Menifee and the surrounding areas. The company provides homeowners' insurance that helps covers losses from vandalism, theft, and fire. Its team of agents is committed to tailoring insurance solutions to fit the needs of clients who own either homes or condos. Protection can be provided for a client's dwelling, personal property, medical expenses, loss of use, and personal liabilities. Pacific Crest has access to insurance carriers such as Safeco, Mercury, and Progressive.

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
Facebook
4.4 / 5 (18)
Google
5.0 / 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
Progressive Casualty Insurance Company logo
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Progressive Casualty Insurance Company

26910 Newport Rd ste b, Menifee, CA 92584
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Progressive Casualty Insurance Company caters to Menifee area residents that seek to safeguard their properties against costs associated with unforeseeable circumstances. The agency offers insurance coverage options for damages brought by fire, weather, and theft. Progressive also works to match clients with suitable insurance policies that cover dwellings, personal possessions, additional living expenses, and liabilities. The firm was founded in 1937 and additionally covers other property insurance matters involving renters, mobile home owners, homeshare residents, and condo owners.

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
4.5 / 5 (226)
Google
3.1 / 5 (129)

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
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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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