Expertise.com

Best Homeowners Insurance Agencies in Palmdale

2024

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Website
2140 East Palmdale Boulevard, Palmdale, CA 93550
  • Personal Property Insurance
  • Renter's Insurance

Why choose this provider?

Acceptance Insurance has been helping residents and businesses in Palmdale in insuring their investments since 1969. The company provides customized homeowners' insurance policies that offer financial protection for homes, valuable belongings, and personal liabilities. These also cover repairs and replacements of damaged structures and items, and can provide living assistance in case the client's home is temporarily uninhabitable. The company also assists renters in safeguarding their personal possessions against unforeseen circumstances. With over 300 locations nationwide, it also offers vehicle, commercial, pet, life, and travel coverages.

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
Facebook
5.0 / 5 (223)
Google
5.0 / 5 (92)

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
949 E Palmdale Blvd, Palmdale, CA 93550
  • Earthquake
  • Multiple Policy Types
  • Flood

Why choose this provider?

CHL Insurance Agency, founded more than 20 years ago, insures properties and assets in Palmdale. It offers homeowners insurance to financially protect clients' homes in events of damage or destruction to houses directly or to unattached structures. The policies can also cover the contents of a house, personal liability to protect the owner from financial loss if another person gets injured while on the property, and additional living expenses in cases where the house is unlivable while being repaired. CHL Insurance Agency also has other insurance products, including plans for auto, business, and life.

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
4.7 / 5 (9)
Yelp
4.0 / 5 (5)
Facebook
5.0 / 5 (4)

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
1543 East Palmdale Boulevard, Palmdale, CA 93550
  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Forward Insurance Services is an insurance agency catering to home and business owners in the Palmdale area. It specializes in auto insurance, business and commercial insurance, and homeowners' insurance. In addition to the standard policies, its homeowners' insurance coverage includes financial losses brought about by storms, theft, fire, and other disasters. General liability insurance and workers' compensation insurance policies can also be obtained through the agency. Forward Insurance Services have flexible evening and weekend office hours.

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 (28)
Yelp
5.0 / 5 (7)
Facebook
5.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
520 West Palmdale Boulevard, Palmdale, CA 93551
  • Renter's Insurance
  • Flood
  • Fire
  • Earthquake

Why choose this provider?

Kerry's Insurance is an insurance company that serves the Palmdale metro area and nearby localities. The firm assists private residence owners to protect their homes and valuables against disasters, accidents, and other unfortunate events through a homeowners insurance policy. Its licensed agents also help customers protect their personal liability against injuries and damages incurred by guests in their homes. Other products being offered include auto and commercial insurance policies. The firm also handles claims filing, bills payments, and policy changes.

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 (129)
Yelp
4.5 / 5 (9)
Facebook
5.0 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
44030 10th Street West, Lancaster, CA 93534
  • Multiple Policy Types

Why choose this provider?

Agency One Insurance Services seves clients in Palmdale. Its team of professional agents is available five days a week to provide insurance counseling, brokerage services, and claims assistance for current policyholders. This agency sells an array of homeowners insurance policies, as well as add-ons such as flood and earthquake insurance. Agents dedicate themselves to providing sound advice and to finding clients the best rates on their insurance policies. Other products sold include auto and commercial 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.
4.4
Google
4.4 / 5 (51)

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

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 differentiates dwelling coverage from comprehensive homeowners' insurance for Palmdale residents?

    Dwelling coverage deals with structural home damage, excluding land and internal items. Fixed appliances and fixtures are exceptions. Suited for secondary properties, it lacks complete protection. For comprehensive coverage, homeowners' insurance is the ideal choice for Palmdale residents. It covers homes and belongings, providing interior/exterior damage, liability protection, and guest medical coverage. Mainly for primary homes, it offers robust, long-term safeguarding against various risks.

  • Does homeowners' insurance in Palmdale cover evacuation costs due to wildfires?

    Yes. For Palmdale residents facing wildfire evacuations, their homeowners' insurance can assist with evacuation and relocation expenses under the Additional Living Expenses (ALE) coverage. This comprehensive coverage encompasses housing, food, furniture rental, storage, and added transportation costs. Thanks to the legislative efforts of Commissioner Lara, insurance companies are now obligated to furnish a minimum of two weeks' worth of ALE benefits. It is prudent to meticulously retain receipts and log discussions with insurance representatives to facilitate effective claims processing.

  • How do Palmdale homeowners benefit from additional living expenses (ALE) coverage?

    Palmdale homeowners benefit through additional living expenses (ALE) coverage, as this pivotal feature acts as a safeguard within their policies. Found in the "loss of use" section, it becomes active when a covered event disrupts the habitability of their residence. ALE ensures reimbursement for the difference between pre-loss and post-loss living expenses, empowering homeowners to maintain their accustomed lifestyle. Homeowners can compute their ALE payment by subtracting their living expenses before covered loss from their current living expenses.

  • Why do Palmdale residents often opt for HO-3 homeowners' insurance?

    Palmdale residents commonly opt for the HO-3 homeowners' insurance because of its expansive coverage spectrum. It safeguards homes against a wide range of prevalent perils, excluding specific hazards like earthquakes and floods. The policy encompasses protection for personal belongings, but only under conditions delineated in the HO-2 framework. As insurance agencies might have variations in event coverage, consultation with an agent is advised.

  • What optional endorsements should Palmdale homeowners consider for their homeowners' insurance?

    In Palmdale, one can opt for several unique homeowners' insurance additions. These include guaranteed replacement cost for full home protection, inflation guard endorsement adjusting with inflation, and secondary residence premises endorsement for a vacation home. There's also theft coverage protection without proving forced entry, personal item endorsements, watercraft provisions, and defenses against credit card forgeries. Researching these can help homeowners craft an ideal plan.

  • 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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