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Best Homeowners Insurance Agencies in Modesto

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Central Auto Insurance Agency, Inc. logo
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Central Auto Insurance Agency, Inc.

2225 Plaza Parkway, Modesto, CA 95350
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  • Multiple Policy Types

Business Description

Based in California, Central Auto Insurance Agency, Inc. is an insurance firm serving homeowners in the Modesto area. It offers fully-customized homeowners' insurance plans constructed by experienced insurance agents to ensure that the needs and requirements of clients are met. It offers coverage for homes, condominiums, personal property, and personal liability. Home insurance policies have the option to cover weather damage, fire and smoke damage, falling objects, vandalism, accidental plumbing or electrical damage, and damage by vehicles. Central Auto Insurance Agency provides 24-hour customer service all year round.

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
4.7 / 5 (55)

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
Fiesta Auto Insurance logo
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Fiesta Auto Insurance

1219 N. Carpenter Road; Suite #10, Modesto, CA 95351
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  • Personal Property Insurance

Business Description

Fiesta Auto Insurance provides insurance assistance to Modesto residents. The company helps clients with various insurance needs including homeowners' insurance, with agents able to set up a suitable home insurance policy for clients within a day. The team of insurance professionals works with over 40 insurance providers. Aside from insurance solutions, the business also specializes in tax preparation services. Fiesta Auto Insurance has been operating since 1999. It offers the services of its Spanish-speaking personnel.

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 (15)

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
Golden Oak Insurance Services logo
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Golden Oak Insurance Services

3540 Oakdale Rd Suite A-1, Modesto, CA 95357
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Golden Oak Insurance Services is an independent agency that has been providing insurance options throughout Modesto and the surrounding communities since 2006. The professionals from this business can help clients on matters related to auto, home, life, business, and health insurance solutions. They carry insurance through companies such as American Modern, Arrowhead, Berkshire Hathaway Homestate, California Mutual Ins, Chubb, and CNA. Golden Oak Insurance Services is licensed in Oregon, Washington, 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.
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
Modesto Insurance Center logo
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Modesto Insurance Center

3025 McHenry Avenue, Modesto, CA 95350
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  • Multiple Policy Types

Business Description

Modesto Insurance Center is a locally-owned and -operated insurance agency that has been serving Modesto since 1962. They help clients get a homeowners' insurance policy that financially protects the house and valuable items kept inside it. Coverage options include protection from damage caused by fire or specific natural disasters, liability in the event of an injury occurring inside the home, medical coverage, and others. Modesto Insurance Center deals with clients one-on-one in order to provide them the policies that fit their needs.

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.
4.0
Google
3.8 / 5 (12)
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
SaveDirect Insurance Agency, LLC logo
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SaveDirect Insurance Agency, LLC

1800 Tully Road, Modesto, CA 95350
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  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Earthquake
  • Condos

Business Description

SaveDirect Insurance Agency, LLC provides insurance solutions from its Modesto location. The company offers various insurance options, including homeowners insurance. It provides homeowners insurance policies that cover property damage and protection from disasters. Homeowners insurance also covers compensation for losses and repairs due to theft or vandalism. SaveDirect Insurance Agency, LLC works with various insurance carriers, including Travelers, Mapfre, Progressive, and MetLife. Aside from homeowners insurance, the agency also offers auto insurance, motorcycle insurance, and commercial auto 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
Google
4.9 / 5 (115)
Facebook
5.0 / 5 (47)

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
Skeet's Insurance Service, Inc. logo
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Skeet's Insurance Service, Inc.

2307 Oakdale Road, Modesto, CA 95355
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  • Multiple Policy Types

Business Description

Skeet's Insurance Service, Inc. is a local homeowners insurance agency that serves individuals and families in Modesto and the surrounding areas. Since 1967, its team of insurance experts has been writing home insurance policies that meet the needs of the homeowners. Aside from home insurance, the agency also provides other insurance products, such as auto, business, commercial auto, life, motorcycle, and workers' compensation plans. Skeet's Insurance Service, Inc. also offers wedding and special event 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.
4.5
Google
4.5 / 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
Teresa Clutter Insurance Services logo
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Teresa Clutter Insurance Services

400 12th Street, Modesto, CA 95354
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  • Renter's Insurance
  • Flood
  • Fire

Business Description

Teresa Clutter Insurance Services offers coverage for clients in Tracy. The company helps clients pay for unexpected damages caused by fires, floods, and bad driving. Its plans apply to different residences like vacant buildings, mobile homes, condos, apartments, and high-valued properties. The company's agent, Teresa Clutter, has nearly 30 years of experience in the insurance industry. She talks to clients and advises them on what to cover, from automobiles to injury liabilities. She helps both commercial and residential customers.

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
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Source Auto Insurance Agency LLC logo
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The Source Auto Insurance Agency LLC

822 9th Street, Modesto, CA 95354
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  • Fire

Business Description

The Source Auto Insurance Agency operates in and around Modesto. The company provides homeowners coverage for their house, using policy plans to pay for unexpected emergencies or damage. This includes extreme weather affecting the structure like its walls and roof, furniture and appliances, and other personal belongings within the dwelling. It also covers any medical fees for people injured within the property. The company also has insurance plans for regular automobiles and classic car collections.

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 (118)
Facebook
5.0 / 5 (13)

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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