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Best Homeowners Insurance Agencies in Redding

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Berry Curtis Insurance logo
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Berry Curtis Insurance

2947 Victor Avenue, Redding, CA 96002
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  • Earthquake
  • Renter's Insurance
  • Fire

Business Description

From their offices in Redding and Corning, the agents at Berry Curtis Insurance provide a range of services to individuals and businesses in the surrounding communities. Its independent agents can access the home insurance policies of more than 80 insurers, enabling them to offer clients a choice of products that suit their coverage needs and meet their budgets. Berry Curtis Insurance is also an AARP authorized agency that specializes in offering AARP products to older clients.

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
4.5 / 5 (10)
Yelp
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
Craig Winton - State Farm Insurance Agent logo
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Craig Winton - State Farm Insurance Agent

2825 Bechelli Lane, Redding, CA 96002
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  • Multiple Policy Types

Business Description

Craig Winton has been a State Farm insurance agent in Redding since 2008. He has plenty of experience helping homeowners find policies that provide the coverage they need for their main, second, and investment properties at a price within their means. Additionally, he works with clients moving into the area who may need additional guidance. Mr. Winton is also a specialist in life, health, and auto insurance, and frequently works with business clients.

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
4.5 / 5 (182)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
George Petersen Insurance Agency logo
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George Petersen Insurance Agency

2920 Bechelli Lane, Redding, CA 96002
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  • Multiple Policy Types

Business Description

Established in 1935, George Petersen Insurance Agency is one of the oldest independent insurance agencies in the Redding area. One of its products is personal insurance, which includes various coverages, like homeowners insurance. The agency's team of in-house agents is experienced in handling its clients' basic coverage changes and assessing their developing insurance needs. George Petersen Insurance Agency represents a wide range of insurance providers and has been recognized as North Bay Biz Magazine's Best Insurance Brokerage since 2006.

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
4.4 / 5 (12)
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
norcalinsurancegals.com logo
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norcalinsurancegals.com

1131 Hilltop Drive, Redding, CA 96003
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Northern California Insurance Services is an independent insurance solutions company in Redding. The company helps clients with insurance needs for protecting themselves, their vehicles, and properties. It offers homeowners insurance packages that are tailored to clients' budgets and needs. Its standard coverage includes protection for the main dwelling, loss of use, liability coverage, and coverage for personal belongings. This can be expanded to cover specific, inventoried items such as antiques and collectibles.

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
Google
3.9 / 5 (11)
Facebook
5.0 / 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
Siskiyou Insurance Services, Inc. logo
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Siskiyou Insurance Services, Inc.

857 Mistletoe Ln, Redding, CA 96049
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Siskiyou Insurance Services, Inc. is a Redding-based, full-service insurance agency that was established in 1993. Its homeowners' insurance policy allows its clients to protect their homes and personal belongings from unexpected events. The agency works closely with insurance companies to provide the most suitable homeowners' coverage for its clients. The homeowners' insurance policy also covers the living expenses of its clients in case they need to temporarily vacate their homes while the reconstruction is going on.

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
4.2 / 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
Wayne Miller - Farmers Insurance Agent logo
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Wayne Miller - Farmers Insurance Agent

3075 Churn Creek Rd, Redding, CA 96002
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Wayne Miller is a Farmers Insurance agent based in Redding who has been helping people with their insurance needs for more than 23 years. Miller offers home insurance to his clients to help them protect their dwelling, belongings, and finances. He determines the best insurance coverage that will suit his clients' needs and educates them about insurance and their coverage options. In addition to home insurance, Miller also offers auto, business, life, and renters' 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
Google
4.8 / 5 (65)

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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