Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Oakland

Our Recommended Top 14

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 Oakland 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.

242

Reviewed

150

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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)
Yelp
3.0 / 5 (11)
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

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

Why choose this provider?

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

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

Why choose this provider?

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.
2.1
Yelp
1.5 / 5 (3)
Google
3.0 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.6
Yelp
4.5 / 5 (12)
Facebook
5.0 / 5 (8)
Google
4.3 / 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

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

Why choose this provider?

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

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

Why choose this provider?

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

Website
3018 Foothill Blvd., Oakland, CA 94601
  • Homeowners

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Website
4490 Piedmont Avenue, Oakland, CA 94611
  • Condos

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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

Website
1942 Embarcadero, Oakland, CA 94606
  • Homeowners

Why choose this provider?

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

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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 can you do if you made home improvements to reduce wildfire risks, but your insurer canceled your home's insurance in Oakland?

    Consider getting a policy from another insurer if you have already communicated the matter to your current insurer but did not receive any proposition. Under current laws, an insurance company may not be forced by the government to renew the insurance of a policyholder. Recently, a bill has been under the works that will require insurers to offer policies to homeowners in Oakland whose homes meet the Safer From Wildfires mitigation standards.

  • Which areas in Oakland have more expensive homeowners' insurance?

    Areas in Oakland that cost more in homeowners' insurance are those with zip codes such as 94621, 94601, and 94609, with average annual rates at $1,090, $1,070, and $1,068. Some of the factors that affect insurance premiums are crime rates, fire risks, and distance from police or fire stations. Areas in Oakland that have more affordable rates include those with zip codes such as 94611, 94617, and 94705, with rates at $926, $944, and $953 respectively.

  • What happens if you have a reverse mortgage in Oakland and can no longer afford to buy homeowners' insurance?

    Look for help right away if you can no longer buy homeowners' insurance and have a reverse mortgage because it could lead to a foreclosure. The City of Oakland has programs offering assistance such as free legal services and counseling support for homeowners at risk of foreclosure. For more details, contact the Housing Economic Rights Advocates at (510) 271-8443 and choose extension 307.

  • If you get condominium insurance in Oakland, what is usually covered?

    It depends on the specific policy, but standard condominium insurance in Oakland usually covers loss of use, personal property replacement, and personal liability, including medical costs for other persons. In addition, it provides coverage for expenses incurred when there is damage to the interiors of the unit as well as for improvements the condominium association requires from the owner. Take note that insuring common areas such as walls and corridors have to be taken care of by the condominium association.

  • How do you set a limit on your homeowners' insurance policy in Oakland?

    The most important thing you should consider when setting a limit on your homeowners' insurance policy in Oakland is to get coverage for the cost of replacing your home. This includes the expenses needed that are related to structure and materials. This does not mean taking into account the home's market value or purchase price because this is not relevant to homeowners' insurance. Be informed that insurance companies have different guidelines in evaluating the cost of replacing your home.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.