Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Orange

Our Recommended Top 9

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 Orange 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.

88Reviewed

56Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

200 Bradford Avenue, Placentia, CA 92870

Expertise.com Rating

Review Sources

Yelp
4.5 (18)
Facebook
5.0 (3)

Why choose this provider?

Davis & Madden Insurance Agency Inc. does business with clients throughout the Orange metro area and helps them with their homeowners insurance needs. It typically sells coverage to pay for homes that are damaged or destroyed by storms or vandalism and other common incidents. Agents inform clients on policies and help them to select the right plans for their circumstances. Davis & Madden Insurance Agency Inc. sells renters insurance, flood insurance, and earthquake insurance too.

  • Personal Property Insurance

950 East Katella Avenue, Orange, CA 92867

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Kimbrell Insurance Agency works with multiple carriers and providers to offer various types of insurance to suit the needs of its customers in Orange. The insurance agency assists homeowners with finding policies that provide the coverage they need for their investments, whether comprehensive or for specific losses only. Besides homeowners' insurance, Kimbrell Insurance Agency also helps clients with auto insurance, life insurance, health insurance, renters insurance, mobile home and RV insurance, and boat insurance.

  • Condos
  • Personal Property Insurance
  • Multiple Carriers

8010 Haven Avenue, Rancho Cucamonga, CA 91730

Expertise.com Rating

Why choose this provider?

Just Auto Insurance is active in the Orange metro area and it sells homeowners insurance policies. This agency shows clients rates offered by associated carriers and helps them to purchase policies to protect their properties and belongings. Its agents also help clients to address any problems they have with their policies or change their policies if their needs change. Just Auto Insurance also offers auto insurance, motorcycle insurance, commercial vehicle insurance, and business insurance products.

  • Personal Property Insurance
  • Multiple Policy Types

1020 N Tustin Ave, Anaheim, CA 92807

Expertise.com Rating

Review Sources

Yelp
4.0 (24)
Google
3.7 (6)

Why choose this provider?

John MacDonald Insurance Service Inc. is a multifaceted company that offers homeowners insurance products to people in the Orange metro area. It sells homeowners insurance and advises clients on coverage for their dwellings and personal liability coverage if they should be sued because of things that happened on their properties. Coverage for personal items and additional structures is also offered. John MacDonald Insurance Service Inc. sells auto insurance policies as well.

  • Personal Property Insurance
  • Multiple Policy Types

1649 West Chapman Avenue, Orange, CA 92868

Expertise.com Rating

Review Sources

Yelp
4.7 (13)
Google
5.0 (6)

Why choose this provider?

Best California Insurance Services is an independent insurance agency that's been providing insurance services to Orange area residents for over 10 years. Its insurance agents offer homeowner's insurance that covers losses due to fire, storms, and theft. The insurance also covers lawsuits from injuries occurring on the client's property. The firm's condo insurance policies protect homeowners' possessions and other fixtures. Best California Insurance Services also offers insurance for commercial properties.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

636 East Chapman Avenue, Orange, CA 92866

Expertise.com Rating

Review Sources

Yelp
4.5 (8)
Google
4.0 (7)
Facebook
5.0 (3)

Why choose this provider?

Remland Insurance is a full-service insurance agency providing insurance products and services in Orange. It offers various homeowners' insurance coverages, including insurances for rental properties, condos, houses, and renters. Its homeowners' insurance policies cover the dwelling and other structures, replacement costs, personal possessions, living expenses in case of disasters, and liability. Clients may also obtain supplementary policies like valuable article floaters, flood insurance, earthquake coverage, personal umbrella, and animal liability. The agency has been operating since 1951 and serves over 3000 Orange County residents.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

2400 East Katella Avenue, Anaheim, CA 92806

Expertise.com Rating

Review Sources

Yelp
3.5 (9)
Google
4.4 (5)
Facebook
5.0 (3)

Why choose this provider?

Agape Insurance Services offers different insurance products in the Orange metro. The agency's insurance professionals assist homeowners in finding appropriate insurance providers and coverage types. They walk clients through the four policy areas, namely, personal belongings, dwellings, general liability, and additional living expenses, to ensure adequate protection from financial risks. They also educate clients about replacement and actual cash values for compensation calculations. Agape Insurance Services has an online quote form to provide estimates of insurance premiums.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

60 Plaza Square, Orange, CA 92866

Expertise.com Rating

Review Sources

Yelp
5.0 (98)
Google
4.9 (11)
Facebook
4.8 (9)

Why choose this provider?

Adam Guss - State Farm Insurance Agent has been providing auto, renter, and home insurance policies to clients in Orange, Tustin, and the surrounding areas since 2010. Guss strives to educate homeowners on how to best protect their property investments through State Farm homeowners' insurance. This policy allows clients to reimburse repair expenses and covers lost items and personal property. Adam Guss also helps new drivers, business travelers, and collectors select the suitable car insurance that fits their needs.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2042 East Lincoln Avenue, Anaheim, CA 92806

Expertise.com Rating

Why choose this provider?

Saferoad Insurance does business in the Orange metro area and gives clients complete access to homeowners insurance services. Its agents sell policies that cover any financial expenses if clients need to repair or replace their homes, and these policies can also provision for living and medical expenses if clients lose their homes to disasters. Saferoad Insurance offers advice to people that are comparing rates and can help them to deal with any difficulties they have during the policy selection process.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

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.
  • Are Orange loan borrowers required to have homeowners’ insurance?

    Those in Orange who wish to purchase a residence through a home loan are required by California law to have homeowners’ insurance. Their policy must have a dwelling coverage minimum of $200,000, a $1,000 minimum deductible, and a $100,000 liability coverage minimum. However, the hazards that the policy covers may depend on the insurance provider.

  • What are the average annual insurance premiums for Orange homeowners?

    Homeowners in Orange and the rest of the state pay an average insurance premium of $1,434 a year to cover $360,000 in damages, which is lower than the national median of $1,963. In fact, California ranks 37th highest in homeowners’ insurance rates nationwide. However, most homeowners’ insurance policies in the state do not cover flooding and earthquakes.

  • How do wildfires affect Orange homeowners’ insurance policies?

    Because of severe wildfires in Orange and across the state, insurance providers such as State Farm and Allstate have decided to halt writing new policies in California as of 2023. Meanwhile, some homeowners’ insurance policyholders have been receiving cancellation notices or have been forced to pay more. While the California FAIR Plan offers an alternative to traditional homeowners’ insurance, it is also much more costly.

  • Are there insurance discounts for Orange fire-safe homes?

    Through the California Department of Insurance’s Safer From Wildfires initiative, those in Orange with fire-hardened homes may be eligible for homeowners’ insurance discounts from participating providers. To qualify for these discounts, one may take certain wildfire preparedness actions such as installing fire-rated roofs, ember and fire-resistant vents, and enclosed eaves.

  • What are the resources available to Orange homeowners’ insurance shoppers?

    Those in Orange who are shopping around for a homeowners’ insurance policy may utilize the California Department of Insurance’s comparison tools for different premiums and coverages, which can be found at their website. They have also published data on the number of justified complaints insurance providers in the state have received.

  • 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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