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2024

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Best Homeowners Insurance Agencies in Mission Viejo, CA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Mission Viejo 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.

62Reviewed

40Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

21 Orchard, Lake Forest, CA 92630
WebsiteLicense: 0443354

Expertise.com Rating

Review Sources

Google
4.8 (77)

Why choose this provider?

California Southwestern Insurance Agency has been serving individuals, families, and businesses in Mission Viejo since 1972. It offers homeowners' insurance plans that cover a home's structure, personal property, temporary living expenses, and liability protection. The agency also provides a mobile home park program that offers protection from park improvements, such as buildings and underground utilities. The team, headed by Bill Joseph, will help clients find the right combination of personalized insurance coverage to match their specific needs.

  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

11022 Winners Circle, Los Alamitos, CA 90720

Expertise.com Rating

Review Sources

Google
4.8 (74)
Yelp
4.0 (63)

Why choose this provider?

Alandale Insurance Agency is company providing homeowners insurance policies to clients throughout the Mission Viejo area. For over 80 years, this agency has been assisting individuals and families with securing insurance coverage for their property. It can design custom policies that protect homes in cases of flooding, fire, or earthquake. The company also offers policy options for high net worth homes. Additionally, Alandale Insurance Agency provides policies for automobiles and pets.

  • Earthquake
  • Multiple Policy Types
  • Flood

26522 La Alameda, Mission Viejo, CA 92691

Expertise.com Rating

Review Sources

Yelp
5.0 (20)
Google
5.0 (17)
Facebook
5.0 (8)

Why choose this provider?

Advantis Insurance Services is an insurance agency that has been serving clients in Mission Viejo and the nearby areas since 2003. The company represents clients seeking insurance for their homes and its team is able to provide quotes from numerous carriers to ensure competitive pricing. Carriers Advantis works with include AIG, The Hartford, and Liberty Mutual. The company also hosts a portal on its website for clients to request certificates of insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1005 Calle Recodo, San Clemente, CA 92673

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Serving the Mission Viejo metro area, George L. Brown Insurance Agency has been providing clients with homeowners insurance policies for over 40 years. It consults with clients to determine their coverage needs and recommends policies optimized for their home. Insurance carriers this independent agency is able to work with include Liberty Mutual, Progressive, and Nationwide. For client's convenience, George L. Brown Insurance Agency offers an online portal for requesting certificates of insurance.

  • Multiple Carriers

23537 Moulton Parkway, Laguna Hills, CA 92653

Expertise.com Rating

Why choose this provider?

Laguna Pacific Insurance Inc. is a locally owned company that has been providing homeowners insurance policies to individuals and families throughout the greater Mission Viejo area for over 25 years. The company helps clients select basic plans that cover structural damage caused by severe weather as well as plans that cover the property in cases of theft or vandalism. Laguna Pacific Insurance also offers insurance policies for condominiums and rented properties.

  • Fire

939 Glenneyre Street, Laguna Beach, CA 92651

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

GMG Insurance Agency is a company serving the greater Mission Viejo area. This agency assesses clients' situations, determines the amount of coverage they need, and finds them custom homeowners insurance solutions at competitive rates. It offers policies that cover structural damage as well as damage to contents within the home, such as jewelry, art, and collectible cars. GMG Insurance Agency also offers insurance policies to renters to protect their personal belongings.

  • Renter's Insurance
  • Fire

450 Ocean Avenue, Laguna Beach, CA 92651

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

JLC Insurance is a company offering insurance policies to homeowners near the Mission Viejo area. Working with a range of carriers, it finds policies that match clients' needs and preferences at the most competitive rates available. Its offers packages that contain coverage for clients' homes, personal belongings, and accidents on their property that result in injuries or harm to another party. JLC Insurance also provides clients with umbrella liability coverage.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
California Southwestern Insurance Agency
21 Orchard, Lake Forest, CA 92630
Alandale Insurance Agency
11022 Winners Circle, Los Alamitos, CA 90720
Advantis Insurance Services
26522 La Alameda, Mission Viejo, CA 92691
George L. Brown Insurance Agency
1005 Calle Recodo, San Clemente, CA 92673
Laguna Pacific Insurance Inc
23537 Moulton Parkway, Laguna Hills, CA 92653
GMG Insurance Agency
939 Glenneyre Street, Laguna Beach, CA 92651
JLC Insurance
450 Ocean Avenue, Laguna Beach, CA 92651

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.
  • How much does Mission Viejo homeowners’ insurance typically cost?

    The average cost of homeowners’ insurance for a house with a median value of $669,800 is $1,423.5. The insurance cost for a home with a hail-resistant roof is $1,381, while a newly constructed home costs $1,125 to insure. The cost of homeowners' insurance can vary widely based on a range of factors, such as the location of the home, the value of its contents, and the owner's credit score.

  • What other coverage should Mission Viejo residents consider in addition to basic homeowners’ insurance policies?

    In addition to basic homeowners' insurance, Mission Viejo residents might want to consider personal umbrella liability insurance. This type of coverage helps protect assets and finances in the event that policyholders are sued for damages or injuries that exceed the limits of their primary homeowners' insurance liability coverage. In addition, scheduled personal property coverage provides protection for specific items, such as jewelry, artwork, and collectibles.

  • How can Mission Viejo residents save money on homeowners’ insurance?

    Those in Mission Viejo can reduce the cost of their homeowners' insurance by asking about multi-policy discounts, which can vary from 5% to 15%. Certain insurance providers also extend discounts of up to 10% on homeowners' insurance to educators, firefighters, and law enforcement personnel. Another way for homeowners to cut expenses by a significant amount annually is by opting for a higher deductible, such as $2,000, $2,500, or $5,000.

  • How can Mission Viejo residents lower their chances of becoming seriously underinsured?

    To lower their chances of becoming seriously underinsured, Mission Viejo residents can consider reading their homeowners’ insurance policies. Understanding the extent of coverage and its associated value also helps homeowners insure properly. They should examine the latest policy declarations page, which outlines coverage limits and choices for additional protection. Seeking advice from agents regarding supplemental coverage options for items like jewelry and art collections is also recommended.

  • In Mission Viejo, does homeowners' insurance coverage extend to losses sustained away from home?

    Homeowners in Mission Viejo can extend their liability coverage beyond their homes. This coverage, which is the third component of homeowners' insurance, protects policyholders if they are held financially responsible for injuries to others or property damage caused by a covered loss.

  • 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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