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Best Homeowners Insurance Agencies in Newport Beach

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Balboa Pacific logo
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Balboa Pacific

5020 Campus Drive, Newport Beach, CA 92660
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  • Flood

Business Description

Balboa Pacific is an independent insurance agency based in Newport Beach that offers personal and commercial insurance products and options. It combines decades of industry experience with the knowledge of the current laws and regulations when providing the right coverage option for homeowners insurance. This type of policy covers the damage caused by disasters and events such as theft, fire, and windstorms. This agency also has access to companies that offer multi policies, smoke detectors, and security systems.

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 (9)

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
Bob Garrett - State Farm Insurance Agent logo
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Bob Garrett - State Farm Insurance Agent

2435 East Coast Highway, Corona del Mar, CA 92625
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  • Multiple Policy Types

Business Description

Bob Garrett - State Farm Insurance Agent and his team have more than six decades of combined experience providing homeowners in and around Newport Beach with various insurance options. He helps homeowners manage personal risk by protecting them from common disasters, theft, fire, and vandalism. Services are also available in Spanish. Mr. Garrett is a member of the Newport Beach Chamber of Commerce and provides assistance with out-of-state transfers to Orange County.

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
Yelp
5.0 / 5 (26)
Facebook
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
California Insurance Finder logo
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California Insurance Finder

21168 Beach Boulevard, Huntington Beach, CA 92648
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  • Multiple Policy Types

Business Description

California Insurance Finder has two decades of experience helping clients find suitable insurance policies in the Huntington Beach and Newport Beach areas. Its homeowners insurance policies allow clients to protect their homes against unexpected losses. The agency's insurance agents assist clients in finding suitable coverages that fit their needs. The coverages available for clients include dwelling, unscheduled personal property, personal liability, loss of use, and other structures.

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
4.9 / 5 (51)
Facebook
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
GYC Insurance Agency logo
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License Verified:

License: 0F88072

California Department Of Insurance

GYC Insurance Agency

2901 West Coast Highway, Newport Beach, CA 92663
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  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

GYC Insurance Agency is an independent insurance company servicing Newport Beach and nearby communities. It helps protect homeowners by issuing a policy that can cover damages to home and personal belongings, fire and smoke damages, theft, and vandalism. It also quotes and writes policies for renters insurance, car insurance, and umbrella insurance. With years of experience handling and understanding its diverse clients, the agency's insurance professionals have been trained to formulate solutions and create a uniquely designed plan to fit each client's needs.

License Verified:

License: 0F88072

California Department Of 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
Murvay Insurance logo
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Murvay Insurance

1001 Dove Street, Newport Beach, CA 92660
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Murvay Insurance is an insurance agency providing customized insurance coverage through its office in Newport Beach. The homeowners' insurance the agency offers covers the cost of fixing the home of its clients if it's damaged due to an unforeseen disaster. It also covers personal liability in case guests are injured while inside the home. The personal liability coverage covers medical expenses and court fees in case the guest files a lawsuit against the homeowner.

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
4.6 / 5 (9)

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
News Insurance Service, Inc. logo
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News Insurance Service, Inc.

2072 Orchard Dr A, Newport Beach, CA 92660
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  • Multiple Policy Types

Business Description

News Insurance Service, Inc. is an independent insurance agency based in Newport Beach. The agency has a wide range of insurance policies in its line-up, including homeowners' insurance. Its homeowners' insurance gives its clients financial protection for damages to their property and personal belongings. It also protects the clients from liabilities in case someone is injured inside their properties. The different types of coverages offered by the insurance include dwelling coverage, personal coverage, and liability coverage.

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 (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
Roger Stone Insurance Agency logo
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Roger Stone Insurance Agency

5015 Birch Street, Newport Beach, CA 92660
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Roger Stone Insurance Agency is a Newport Beach independent insurance agency that offers home insurance to its local community. It aims to protect its clients' homes and personal possessions. Home insurance takes in the forms of homeowners', condo, or renters' insurance, and clients can choose which one is applicable to their setup. The agency's staff customizes the clients' coverage to meet their requirements. Roger Stone Insurance Agency also offers auto, business, and life 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
4.3 / 5 (11)

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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