Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Mountain View

Our Recommended Top 3

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 Mountain View 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.

48Reviewed

30Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5150 El Camino Real, Los Altos, CA 94022
  • Multiple Policy Types
  • Flood

Why choose this provider?

SBC Insurance Services, Inc., caters to homeowners in the Mountain View area that seek to safeguard their residences as well as personal items. The agency works to help homeowners and renters secure insurance coverage for damages brought by incidents including earthquakes. SBC Insurance also offers support in obtaining coverage for flood damages and valuables such as artwork, jewelry, and other high-value items. The firm has been in the insurance sector since 1971 and also handles coverage matters for rental units.

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 (75)

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
100 W El Camino Real, Mountain View, CA 94040
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Ludwig & Fawcett, Inc. is an insurance provider in Mountain View that was established in 1952. It has homeowners' insurance coverage for lightning and fires, volcano eruptions, and vehicular or aircraft collisions. Homeowners are protected against lawsuits and medical costs of injuries or casualties of others who are within or around the property. The agency is partnered with Mercury, Safeco, and Nationwide to ensure that clients arrive at the best option. It also supports local foundations as a community effort.

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
4.2 / 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

Website
900 Miramonte Avenue, Mountain View, CA 94040
  • Multiple Policy Types

Why choose this provider?

AAA is an insurance agency that works to help Mountain View area residents secure financial protection for their properties including their personal possessions. The firm offers support in obtaining coverage for home reconstruction and repairs in cases of covered incidents. AAA also works to secure coverage for detached structures, high-value belongings, temporary living expenses, and personal liabilities. The agency has been in the insurance services business since 1900 and also offers coverage assistance for floods, earthquakes, and landlord-related matters.

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 (293)

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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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.
  • In Mountain View, does a standard homeowners' insurance policy cover damages like fire and water resulting from earthquakes?

    Yes, in Mountain View, standard home insurance policies typically cover fire and water damage stemming from earthquakes. However, direct earthquake damage requires separate coverage from private insurers, not the government. Notably, cars in Mountain View obtain earthquake damage protection through comprehensive insurance, which safeguards against events like floods, hurricanes, and theft.

  • In Mountain View, does standard homeowners' insurance cover water damage due to floods?

    In Mountain View, while water damage is a common covered loss, standard homeowners' insurance doesn't cover flood-related issues. Homeowners should buy flood insurance for that. Residents must routinely check sinks, showers, and appliances for leaks to minimize potential water damage. Using a water leak detection device can be beneficial as these gadgets can send alerts to mobile phones about leaks. Some can even automatically halt the main water supply when a leak arises.

  • After property loss in Mountain View, what steps should homeowners take for temporary repairs?

    After a property loss in Mountain View, it's crucial to make temporary fixes to prevent more damage. Secure areas like roofs, walls, and windows using plastic or plywood. While homeowners' insurance might not cover extra damage if you haven't protected your property, always prioritize safety. Insurers typically cover reasonable repair costs; just keep material receipts. Note that these repair expenses count toward your total loss settlement, and extensive permanent repairs should wait until after the adjuster's assessment.

  • In Mountain View, who handles debris removal after a home disaster?

    In Mountain View, homeowners are responsible for clearing debris. While insurance policies differ, those adequately insured will find debris removal expenses included. It's advised to consult the local government after significant natural calamities to discover coordinated cleanup efforts. Additionally, a homeowner should ensure professionals handle soil tests at sensible costs. Interestingly, some policies offer extended debris removal coverage, exceeding the dwelling's primary coverage. Policy specifics demand careful scrutiny.

  • What should a homeowner in Mountain View do if their property is damaged by a landslide or other earth movement and the insurance claim is denied?

    For Mountain View homeowners facing property damage from landslides or earth movements, if their insurance denies the claim citing an earth movement exclusion, it's crucial to investigate the root cause. If evidence suggests a covered incident triggered the land movement and served as the primary contributing factor to the damage, they might have grounds to argue for insurance coverage. It's vital to assess all angles before accepting the claim's denial.

  • 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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