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Best Homeowners Insurance Agencies in Oakland

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Barbary Insurance Brokerage logo
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License Verified:

License: 0F44113

California Department of Insurance

Barbary Insurance Brokerage

436 14th Street Suite M150, Oakland, CA 94612
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  • Homeowners

Business Description

Barbary Insurance Brokerage is an independent insurance agency that serves Oakland and the nearby areas. It has been in business since 2006, representing a wide network of insurance providers to help clients find and purchase policies that offer coverage for their specific needs and goals. One of its products is homeowners' insurance, which provides personalized coverage against financial loss in case of accidental damage, theft, or destruction of their home. In addition to home insurance, the agency also offers auto, personal umbrella, and business insurance policies.

License Verified:

License: 0F44113

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.
4.6
Yelp
4.5 / 5 (30)
Facebook
5.0 / 5 (6)
Google
4.3 / 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
Responsiveness
Friendliness
Helpfulness
Detail
Cook, Disharoon & Greathouse, Inc. logo
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License Verified:

License: 0B33236

California Department of Insurance

Cook, Disharoon & Greathouse, Inc.

1942 Embarcadero, Oakland, CA 94606
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  • Homeowners

Business Description

Cook, Disharoon & Greathouse, Inc., is a privately held independent insurance agency that has been serving clients in and around Oakland since 1953. It offers homeowners' insurance policies, which cover the clients' residence from theft, vandalism, hail, and fire. It also provides personal umbrella, farm and ranch, auto, life, and health insurance solutions. Cook, Disharoon & Greathouse has partnered with multiple insurance carriers, including The Hartford, MetLife, Mercury Insurance, and Great American Insurance Group. Its team has more than 125 years of combined insurance experience.

License Verified:

License: 0B33236

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.
4.5
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
David E. Quan Agency, Insurance Brokers, Inc. logo
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License Verified:

License: 0132958

California Department of Insurance

David E. Quan Agency, Insurance Brokers, Inc.

1767 16th St., Oakland, CA 94607
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  • Multiple Carriers

Business Description

Established in 1955, David E. Quan Agency, Insurance Brokers, Inc. is an independent insurance firm that serves individuals and businesses in Oakland and neighboring areas. It offers homeowners' insurance policies that financially protect personal properties against fire, theft, burglary, and loss of use. Other types of personal insurance products available are auto, flood, pet, and long-term care insurance. The agency is in partnership with established insurance carriers, such as Allied Insurance, American Modern, Bristol West, and Farmers Insurance.

License Verified:

License: 0132958

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.
4.5
Yelp
4.5 / 5 (10)
Google
4.3 / 5 (6)
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
Freeman Insurance Services, Inc. logo
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Freeman Insurance Services, Inc.

1035 San Pablo Ave Ste 1, Albany, CA 94706
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  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Freeman Insurance Services Inc. is an independent insurance agency that serves homeowners in Albany and Oakland, California. This locally owned, family business has been operating in the area since 2006. The agency provides homeowners insurance, as well as personal and commercial insurance, from a variety of insurers, including Liberty Mutual, Mercury, and Progressive, among others. Its home insurance products include homeowners, renters, condo, in-home business, mobile home, and landlords 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
Yelp
5.0 / 5 (16)
Google
5.0 / 5 (14)

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
Haro Insurance Services logo
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Haro Insurance Services

13925 San Pablo Ave, San Pablo, CA 94806
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  • Condos
  • Earthquake
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 2008, Haro Insurance Services is a family owned and operated independent insurance agency located in San Pablo, California, and serving customers in the Oakland, California, metro area. Mario Haro, the owner of the company, has been working in the insurance industry for over 20 years. Haro offers homeowners insurance policies covering high-value homes and homes affected by coastal exposure or in fire zones. The agency also offers auto, life, boat, and commercial insurance. Haro does business in English and Spanish.

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 (3)
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
Jain Williams logo
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License Verified:

License: 0769540

California Department of Insurance

Jain Williams

4222 MacArthur Blvd, Oakland, CA 94619
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  • Renter's Insurance
  • Homeowners

Business Description

Jain Williams is a State Farm insurance agent that operates in Oakland. She has been providing homeowners' insurance policies to residents of the city since 1989. Jain and her team educate first-time homeowners about coverages to protect their properties from extreme weather, car accidents, or medical liability lawsuits. They also help clients process their claims online and customize plans to fit special needs, like vandalism or flooding coverage. Jain is active in multiple community organizations, including the Oakland African American Chamber of Commerce.

License Verified:

License: 0769540

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.
4.8
Google
4.9 / 5 (114)
Yelp
4.5 / 5 (52)
Facebook
4.8 / 5 (35)

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
Ken Bullock logo
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License Verified:

License: 0722261

California Department of Insurance

Ken Bullock

4490 Piedmont Avenue, Oakland, CA 94611
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  • Condos

Business Description

Ken Bullock is an insurance agent who works with State Farm Insurance and serves clients in the Oakland area. It provides a range of homeowners' insurance policies to help customers protect their personal belongings and homes from unforeseen events. He also offers risk protection plans for health, pets, commercial properties, and automobiles. He served on the fire retirement board of the City of Oakland Police. State Farm Insurance has been in the industry for almost 100 years.

License Verified:

License: 0722261

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.
4.5
Google
4.5 / 5 (182)
Yelp
1.0 / 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
Larson Family Insurance Brokerage logo
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Larson Family Insurance Brokerage

675 Ygnacio Valley Rd Ste B215, Walnut Creek, CA 94596
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Larson Family Insurance Brokerage operates throughout the Oakland, California, metro area, providing home insurance services to clients seeking to start new policies, expand existing coverage with special areas, or replace their existing policy for coverage provided by a different underwriter. It insures traditional homes and condominiums and also offers renters insurance services for clients who lease residential property and need to insure valuables. This agency handles auto insurance coverage as well, covering classic cars, motorcycles, RVs, and watercraft.

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 (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
Mahoney Walker Agency, LLC logo
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Mahoney Walker Agency, LLC

1138 Ballena Blvd Ste E, Alameda, CA 94501
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Mahoney Walker Agency LLC is a locally owned, independent insurance agency based in Alameda, California. The agency has over 12 years of experience working with a large pool of insurance carriers to help find clients quality protection for their homes and valuables at a rate they can afford. Standard coverage includes dwelling repair and replacement, personal liability, medical expenses, allowances for personal items. Policies are also available to cover items that exceed standard deductions such as antiques, collectibles, and jewelry.

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 (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
Mat Dahms logo
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License Verified:

License: 0H80780

California Department of Insurance

Mat Dahms

4400 Keller Avenue, Suite 260, Oakland, CA 94605
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  • Multiple Policy Types

Business Description

Mat Dahms is an insurance professional who is affiliated with State Farm. He caters to individuals, families, and businesses in the Oakland metro and nearby areas. He offers a wide range of insurance products, including homeowners', auto, health, life, and pet insurance plans. He also provides condominium, disability, contractors' policy, liability umbrella, and workers' compensation insurance policies. Dahms worked as a consultant in the high-tech industry prior to becoming an insurance agent with State Farm.

License Verified:

License: 0H80780

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.
4.9
Google
5.0 / 5 (53)
Yelp
5.0 / 5 (14)
Facebook
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
NEK Insurance Inc. logo
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NEK Insurance Inc.

11481 San Pablo Ave, El Cerrito, CA 94530
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

NEK Insurance Inc. is an independent insurance agency located in the Oakland, California, metro area, with over 60 years of experience helping clients manage and plan for potential risks. Home coverage specialists work with several carriers to find clients the right amount of protection for their home, personal items, and assets at competitive rates. Plans cover repairs and complete replacements for named perils and liability insurance, and clients can add flood and earthquake damage 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.
4.0

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Pleasant Insurance Agency, Inc. logo
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Pleasant Insurance Agency, Inc.

320 8th Street, Suite 2G, Oakland, CA 94607
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  • Homeowners

Business Description

Established in 1985, Pleasant Insurance Agency, Inc. serves clients in Oakland and its surrounding areas. The company offers individuals and families homeowners', auto, fire, earthquake, flood, and umbrella insurance solutions to help equip them with financial protection against losses. It also provides commercial insurance options to help businesses protect their properties and employees from a variety of liabilities. Pleasant Insurance Agency is an active member of the community and provided immediate support and assistance to clients in the wake of the Oakland Hills firestorm in 1991.

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 (3)
Google
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
Rate Crushers Insurance Brokers logo
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License Verified:

License: 0M42058

California Department of Insurance

Rate Crushers Insurance Brokers

410 14th Street, Oakland, CA 94612
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  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Rate Crushers Insurance Brokers is a family-owned business with offices in Oakland and Phoenix. Its team of independent agents offers a number of risk management solutions such as homeowners' insurance. They evaluate clients' individual needs, develop protection plans accordingly, and provide insurance through their partner carriers, which include National General, The Hartford, and Foremost Insurance Group. The risk advisors also protect owners of cars and motorcycles. Rate Crushers Insurance Brokers has been offering risk management assistance since 1996.

License Verified:

License: 0M42058

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.
4.7
Google
5.0 / 5 (64)

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
Rightworks Insurance Services logo
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License Verified:

License: 0D29027

California Department of Insurance

Rightworks Insurance Services

3018 Foothill Blvd., Oakland, CA 94601
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  • Homeowners

Business Description

Rightworks Insurance Services helps secure the investments of individuals and businesses throughout the Oakland metro. The independent insurance agency offers homeowners' insurance packages. Its professional agents assist in finding a carrier that matches its clients' unique requirements. The company's policy plan includes coverage for damage repairs, loss of valuables, medical expenses for anyone injured on the property, and living expenses if temporary housing is required. Rightworks Insurance Services focuses on educating the communities surrounding it while utilizing a one-on-one service approach.

License Verified:

License: 0D29027

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.
4.3
Google
4.5 / 5 (19)
Yelp
1.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Schroder Insurance Services logo
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Schroder Insurance Services

653 Main St, Martinez, CA 94553
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  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

Since 1933, Martinez-based Schroder Insurance Services has provided independent insurance brokerage services to clients in Oakland and the surrounding areas. This agency helps clients find comprehensive homeowners insurance plans or works with them to create custom plans, including liability insurance, dwelling coverage, personal property insurance, and medical coverage. It also works with landlords to find an appropriate plan that covers rental properties as well as helping tenants find renters insurance. Customers speak highly of this agency's responsiveness and professionalism.

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
Yonas Hagos, Insurance Agency logo
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Yonas Hagos, Insurance Agency

220 4th Street, Suite 200, Oakland, CA 94607
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  • Renter's Insurance

Business Description

Yonas Hagos, Insurance Agency serves individuals in Oakland. It offers homeowners' insurance coverage to financially protect clients' belongings. It also provides auto, commercial, life, and renters' insurance policies. The independent insurance agency aims to help customers build a policy that fits their needs, from a wide selection of insurance products sourced through carriers such as American Modern Insurance Group, Berkshire Hathaway Guard Insurance Companies, Capital Premium Financing, CRC Wholesale Group, and CSE Insurance Group.

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 (3)
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.

Read all FAQs