Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Richmond

Our Recommended Top 7

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 Richmond 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.

69

Reviewed

44

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2161 San Pablo Avenue, Pinole, CA 94564
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Trans Bay Insurance offers personal and commercial lines of risk management solutions to the people of Richmond. It helps clients select homeowners' insurance policies that cover damage to their homes in the event of theft, fires, or storms. The company also offers personal property coverage for valuables like fine art, jewelry, and antiques. As an independent agency, Trans Bay Insurance works with several carriers, including Progressive, Travelers, and Pacific Specialty. The family-owned and family-operated company has more than 40 years of experience.

License Verified:

License: 0757625

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.
4.0
Google
4.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
12976 San Pablo Ave, Richmond, CA 94805
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

UNICOM Insurance & Financial Services, LLC is a Richmond-based independent insurance agency focusing on providing clients insurance policies tailored to meet their individual needs. It works with various insurance companies to give clients several options for their home insurance policies. UNICOM offers renters, condominium, landlord, motor home, and manufactured home insurance policies so clients can financially protect themselves from accidents, disasters, and losses that might lead to financial ruin. The agency represents carriers like CEA, Kaiser Permanente, Travellers, Progressive, and AIG.

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
12495 San Pablo Ave, Richmond, CA 94805
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Mervyn M. Davis Insurance Agency, LLC, is an independent homeowners' insurance agency that has been serving the Richmond community for more than 50 years. Founded in 1963, the agency's insurance agents provide assistance to homeowners who are looking to get their homes insured. They respond to client inquiries, evaluate their needs, and discuss the available home insurance plans. Mervyn M. Davis Insurance Agency represents home insurance carriers such as Foremost, Progressive, and Safeco.

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
4.0 / 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
403 San Pablo Town Center, San Pablo, CA 94806
  • Multiple Policy Types

Why choose this provider?

Leadwest Insurance Solutions is an independent insurance agency that serves clients in Richmond, El Cerrito, and other nearby towns. It offers homeowners' insurance for financial protection against disasters and losses. A standard policy includes coverage for the home structure, personal belongings, liability protection, and additional living expenses. Its team of insurance professionals also provides a range of auto, life, and commercial insurance policies and services. Leadwest Insurance Solutions partners with trusted insurance companies.

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
4.1 / 5 (9)
Yelp
4.5 / 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
600 San Pablo Avenue, Albany, CA 94706
  • Flood
  • Personal Property Insurance

Why choose this provider?

Ruben Leon Insurance Agency is a multi-line agency that offers personalized insurance coverage for its customers in Richmond. The agency provides homeowners' insurance to give property owners peace of mind and security from incidents and natural disasters. Policies can cover the structure of the home and its replacement cost, the items contained within the home, any expensive items such as jewelry, liabilities to others, and temporary living costs in the event of a disaster.

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 (11)

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
1900 Olympic Boulevard, Walnut Creek, CA 94596
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Gerardo Carbajal Insurance Agency provides coverage for homeowners in Richmond and nearby counties in California. The company helps with claims for damages to the structure or injuries to guests. Its agents discuss the clients' needs and search for a fitting plan for their budget and location. The company covers different types of homes like condos, mobile residences, and in-house businesses. It is a family-owned business that started in 1983. It believes in one-on-one service to all customers.

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
Facebook
4.4 / 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
267 Miller Avenue, Mill Valley, CA 94941
  • Multiple Policy Types

Why choose this provider?

David Wong, State Farm Insurance Agent, offers homeowners insurance coverage through State Farm and assists clients with a range of needs. Its agents guide clients as they shop for policies and help them to customize policies according to their coverage needs and assets. This agency offers protection for properties and contents inside so that clients can pay for repairs or replacements, or accept cash settlements for the lost value. David Wong, State Farm Insurance Agent, sells auto insurance too.

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

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

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.
  • How can you save money on your homeowners' insurance in Richmond?

    You can save money on your homeowners' insurance in Richmond by raising your deductibles. You may pay a higher premium to get a low deductible in case of unforeseen events. You can also enjoy insurance rate discounts if your house has security or fire alarm systems or if you acquire other personal protection plans from the same insurance service provider.

  • What should you do when choosing coverage limits for your homeowners' insurance in Richmond?

    When choosing coverage limits for your homeowners' insurance in Richmond, you must estimate the cost of rebuilding your house. Find out the local construction costs in your area and the value of unique features in your home. It may cost more if your home has been remodeled or has expensive materials. You should also determine the value of your prized possessions, personal belongings, and additional living expenses.

  • In Richmond, does homeowners' insurance cover water damage due to heavy rain?

    It depends on the situation. Homeowners' insurance in Richmond may only cover water damage if your window or door was broken due to heavy rain and the water entered your house and damaged your belongings. Your loss of use coverage policy may pay for the repair cost due to water damage.

  • Can your homeowners' insurance policy in Richmond protect you from cyber threats?

    Yes. By adding a personal cyber policy to your homeowners' insurance in Richmond, you can be protected from cyber threats. Through this type of policy, you can be protected from home system and computer attacks, cyber extortion, data breaches, and online fraud. Most insurance companies offer personal cyber insurance for more than $30 per year.

  • Should you purchase homeowners' insurance for your mortgaged home in Richmond?

    Yes. You should purchase homeowners' insurance for your mortgaged home in Richmond to help you protect the property and preserve its resale value in the event that your lender repossesses your home. Homeowners' insurance is crucial to have because your lender will continue to own your property until you settle your mortgage debts.

  • 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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