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Best Homeowners Insurance Agencies in Pleasanton

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Cal Coast Insurance Services logo
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Cal Coast Insurance Services

5960 Stoneridge Dr STE 101, Pleasanton, CA 94588
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  • Multiple Policy Types

Business Description

Cal Coast Insurance Services is an insurance broker providing personalized insurance plans to individuals residing in Pleasanton and nearby areas. Agents assist clients with shopping for insurance coverages that can protect their homes and belongings. Homeowners' insurance covers the property structure, extended replacement cost, building codes, and inflation guard. Insurance carriers pay for property repair depending on the local construction cost, style of the house, type of exterior wall construction, and square footage of the structure.

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
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Detail
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Centurion Insurance Agency logo
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Centurion Insurance Agency

5776 Stoneridge Mall Road, Pleasanton, CA 94588
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  • Renter's Insurance
  • Condos

Business Description

Based in California, Centurion Insurance Agency is a full-service, independent agency that has been serving residents of Pleasanton since 1947. It offers homeowners insurance plans for traditional homeowners, townhouse owners, mobile homeowners, condo dwellers, and renters. Its homeowners insurance policies cover the dwelling and other structures in the property, personal liability protection, and additional living expenses or loss of use. Supplementary policy coverages for floods and valuable personal properties are also available. It also provides other insurance products, such as auto, life, health, and business policies.

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.
4.1
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Charles Katz Insurance Services logo
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Charles Katz Insurance Services

7011 Koll Center Parkway, Pleasanton, CA 94566
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  • Multiple Policy Types

Business Description

Charles Katz Insurance Services is an independent insurance agency that is based in Pleasanton. The team of home insurance specialists from this agency provides a tailored package that fits the financial needs of homeowners. The standard policy covers the dwelling, personal property, medical bills, liability, and additional living expenses. Charles Katz Insurance Services also has additional lines of insurance products for high-value homes, rental dwellings, vacation and beach homes, and secondary residences.

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
Yelp
4.5 / 5 (6)
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
JSW Insurance logo
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JSW Insurance

7567 Amador Valley Blvd 211, Dublin, CA 94568
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  • Multiple Policy Types

Business Description

JSW Insurance is a full-service insurance company that has been serving the Pleasanton metro area and nearby localities since 1967. The company assists homeowners in obtaining financial security for their homes and personal assets against disasters through a homeowners insurance policy. Its licensed agents guide customers in filing claims for structural damages, lost or stolen personal items, medical expenses for injuries within the home, and owner's liability. Other services include property, auto, and business insurance policies. The company also serves clients in Dublin and San Ramon.

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
4.8 / 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
Kwan Insurance Services logo
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Kwan Insurance Services

11960 Silvergate Dr #101, Dublin, CA 94568
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Kwan Insurance Services is an independent provider serving Pleasanton and nearby locations for more than 20 years. It manages risks and losses from home damages due such as lightning, fire, or vandalism. Other unexpected events such as vehicular or aircraft collisions are included. Stolen personal belongings like appliances, clothing, and furniture due to theft are paid in their actual cash value. Kwan Insurance Services ensures that each client understands their policies and conducts business in English, Cantonese, and Mandarin.

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 (5)
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
Lehman Insurance Agency logo
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Lehman Insurance Agency

11740 Dublin Blvd 102, Dublin, CA 94568
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  • Multiple Policy Types

Business Description

Lehman Insurance Agency provides insurance services and solutions to residents and business owners in Pleasanton and surrounding areas. The company assists individuals and families in selecting the right homeowners insurance policy that best suits their needs. It provides several home coverage options such as the dwelling, personal items, and liability. Other offerings include personal and commercial insurance policies. The company represents the Farmers Insurance Group of Companies. It also serves clients in Dublin, San Ramon, and Livermore.

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
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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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