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Best Homeowners Insurance Agencies in Riverside

2024

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Providers

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Website
19510 Van Buren Blvd., #F3-236, Riverside, CA 92508
  • Renter's Insurance
  • Condos
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Established in 1980, Gibson Hadley Insurance Agency Inc. is an independent insurance agency serving the Riverside, California, metro area. Gibson Hadleyoffers home insurance policies from a range of underwriters, with options including personal property protection, extended replacement cost, guest medical protection, and identity theft protection. Discounts are available for protective devices, newer homes, gated communities, and fire-resistant construction materials. The agency also provides auto, business, life and health 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
3.7 / 5 (10)
Yelp
4.5 / 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

Website
5586 Mission Blvd, Riverside, CA 92509
  • Renter's Insurance

Why choose this provider?

Mey’s Insurance Services provides various property protection solutions to the Riverside metro and the surrounding communities. Its insurance professionals guide homeowners in choosing from different types of property insurance plans, such as basic coverage, broad damage protection, special form coverage, and comprehensive insurance. They also assist in purchasing separate policies or adding extra coverage options to provide security from flood, earthquake, and fire damage. The company has been in business for more than 25 years.

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
4.9 / 5 (55)
Yelp
4.5 / 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
9340 Baseline Rd Ste 103, Rancho Cucamonga, CA 91701
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Cornerstone Commercial & Personal Insurance Services Inc. is a locally owned and operated homeowners insurance agency based in Rancho Cucamonga and serving the Riverside, California, area since 2004. Its agents have 80 years of combined homeowners insurance experience working with national underwriters such as Travelers, Liberty Mutual, and Nationwide. Cornerstone offers condo insurance which can extend the coverage provided by a condominium community policy. Renters and mobile home insurance policies are also available.

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 (22)

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
1450 University Ave Suite C, Riverside, CA 92507
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Ayala's Quality Insurance Services, Inc., addresses the coverage needs of clients in Riverside and the surrounding areas. The company has been in the industry since 1999, providing a wide selection of products, including homeowners', renters', auto, and commercial insurance. Its agents design each coverage to protect the policyholder and their investments. They have access to various insurance carriers, allowing them to find the coverage that fits the client's needs. The company also offers income tax and notary services.

License Verified:

License: 0E16977

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.
5.0
Google
5.0 / 5 (15)
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

Website
7344 Magnolia Ave, Suite 100, Riverside, CA 92504
  • Renter's Insurance

Why choose this provider?

Adolfo Saldana is an insurance agent of State Farm that serves clients in Riverside and the surrounding areas. He offers homeowners' and renters' insurance policies to help protect homes and families. In addition, he provides insurance products for motor homes, condos, trucks, motorcycles, and pets. Professional, workers' compensation, business office, and personal liability umbrella insurance are also available. Saldana has over 30 years of experience in the industry. He is a member of the Financial Industry Regulatory Authority.

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

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
12625 Frederick Street Suite B3, Moreno Valley, CA 92553
  • Multiple Policy Types

Why choose this provider?

Sarath Hernandez is an insurance specialist who has been working with State Farm since 2013. She caters to individuals, families, and businesses in the Riverside metro and the surrounding areas. She offers homeowners' insurance plans, which cover personal belongings such as appliances, collectibles, electronics, furniture, and jewelry. She also provides auto, health, life, liability umbrella, personal article, and workers' compensation insurance plans. Hernandez's office is staffed by insurance agents who can offer services in Spanish.

License Verified:

License: 0H99949

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.
4.2
Google
4.1 / 5 (21)
Facebook
5.0 / 5 (2)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
22364 Alessandro Blvd, Moreno Valley, CA 92553
  • Renter's Insurance
  • Homeowners

Why choose this provider?

All Solutions Insurance LLC, a full-service insurance agency based in Moreno Valley, has served the Riverside metro area since 1994. It works with carriers such as Liberty Mutual and Stillwater. Agents provide home insurance for clients with a wide variety of properties, such as mobile homes, frame houses, townhouses, and concrete block structures. The company's policies cover storm damage and replacement costs for personal property. All Solutions Insurance LLC also offers renters, life, and auto insurance 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.
4.8
Google
4.7 / 5 (159)
Facebook
5.0 / 5 (59)

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
3570 Arlington Ave Ste B, Riverside, CA 92506
  • Multiple Policy Types

Why choose this provider?

Faro Insurance & Income Tax is an agency that has been serving Riverside and its surrounding communities since 2006. It offers homeowners' insurance policies that include coverage for the structure of the home, personal belongings, liability protection, and additional living expenses if the property is temporarily unavailable to live in due to covered circumstances. Its team of professionals can communicate with clients in English and Spanish. The agency also assists with income tax preparation for life changes like having children, change of employment, or opening a new business.

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
4.7 / 5 (17)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11606 Belmonte Rd, Fontana, CA 92337
  • Multiple Policy Types

Why choose this provider?

Rauda Insurance Agency is an independent firm providing personal and business insurance to Riverside clients. Its owner and principal agent, Ana Rauda, has been in the insurance industry for more than 20 years. She focuses on providing homeowners' insurance coverage to protect clients' properties and belongings in the event of an unexpected accident, such as theft, fire, flood, and storm damage. She also offers business and life insurance coverages tailored to her clients' budget and needs.

License Verified:

License: 0C23878

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.
4.2
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5800 Van Buren Boulevard # 108, Riverside, CA 92503
  • Renter's Insurance

Why choose this provider?

Hawk’s Bay Insurance Agency is a service provider catering to the protection needs of the Riverside metro. It works with major insurance carriers to help homeowners insure different kinds of residential properties including mobile. homes, condominiums, and apartment complexes. Its insurance agents assist clients in choosing from a variety of additional options such as flood or fire coverage, policy bundles, and earthquake coverage. The company supports charities like The Salvation Army and St. Jude Children's Research Hospital.

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
4.6 / 5 (27)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5051 Canyon Crest Drive, STE 104, Riverside, CA 92507
  • Multiple Carriers

Why choose this provider?

Canyon Crest Insurance Services, Inc., has been serving clients in the Riverside metro and its surrounding communities since 1962. The independent agency provides individuals with homeowners insurance. It also offers personal plans such as automobile, motorcycle, watercraft, classic car, and pet insurance. Its team of agents handles commercial policies for cosmetic manufacturers and distributors, contractors, apartments, retail establishments, and outfitters. It has a separate division that works on writing coverage for the automotive industry. The agency is also licensed in Arizona and Nevada.

License Verified:

License: 0D51775

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
4.7 / 5 (3)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14055 Perris Boulevard, Moreno Valley, CA 92553
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Aguayo Insurance Solutions Inc. serves the Riverside metro area, selling homeowners insurance policies. Types of available coverage include property coverage for dwellings themselves, personal property coverage for furniture and other contents, and liability coverage for any incidents homeowners might be sued for. Aguayo Insurance Solutions Inc. also offers coverage for medical expenses and living expenses in case customers are hurt on their properties or need money to stay elsewhere as houses are repaired.

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

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
2214 Vesper Circle, Corona, CA 92879
  • Multiple Policy Types

Why choose this provider?

Beth Yancu, State Farm Insurance Agent, serves customers in the Riverside metro area, delivering comprehensive options for homeowners insurance via State Farm. This office assists clients as they look for insurance quotes and create customized policies that lower their personal liabilities. Policies are available to pay for home repairs or replace the cost of destroyed homes and other properties, and clients can also cover their personal items. Beth Yancu, State Farm Insurance Agent, insures businesses 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.
4.4

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
14420 Elsworth Street, Moreno Valley, CA 92553
  • Multiple Policy Types

Why choose this provider?

Are you Covered Inc. dba R U C Insurance Agency provides general homeowners insurance services and sells policies that protect clients in the event that their properties or possessions are damaged or lost. It provides quotes based on each client's needs and assesses their properties to determine insurance costs. Are you Covered Inc. dba R U C Insurance Agency is also a point of contact when clients need to make claims. Auto insurance and health insurance products are available.

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
1200 Arizona St Ste A13, Redlands, CA 92374
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

The Gonzalez Agency is an independent insurance agency based in the Redlands but serves the entire Riverside, California, area. The agency assists clients in obtaining the quality homeowners insurance plan that may cover everything from rebuilding costs to living expenses to liability protection. Agents compare rates and plans from numerous national insurance providers, including The Hartford, Safeco Insurance, and Travelers to ensure clients obtain the plan that is best for them. The Gonzalez Agency offers services in both English and Spanish.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
4193 Flat Rock Drive 200, Riverside, CA 92505
  • Renter's Insurance

Why choose this provider?

Loyalty Shield Insurance serves individuals, families, and companies in Riverside. It offers a wide range of coverage plans for personal needs, including homeowners' insurance. Its homeowners' insurance policy covers both property damage and liability. The independent agency also provides insurance for cars, motorcycles, boats, trucks, and recreational vehicles. Its business protection plans include general liability, workers' compensation, builders' risk, and commercial auto insurance. Loyalty Shield Insurance has over three decades of experience in the industry.

License Verified:

License: 0G69422

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.
5.0
Google
5.0 / 5 (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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
23795 Lake Dr, Crestline, CA 92325
  • Renter's Insurance
  • Earthquake
  • Homeowners

Why choose this provider?

Founded in 2013, MTN Insurance Services is an independent insurance brokerage located in the Riverside, California, metro area. Policy experts get quotes from several top carriers to get clients the right amount of coverage to protect the structure of their home, total replacement cost, a set limit of personal items, liability, and temporary living expenses. Supplemental policies are available for additional valuables, and flood and earthquake damages. The agency also covers farms, ranches, condos, mobile homes, and rental property.

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

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
16746 Lakeshore Dr Ste A, Lake Elsinore, CA 92530
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1999, Guidance Insurance Agency is a family-owned, independent insurance agency located in Lake Elsinore, California, and serves customers in the Riverside, California, metro area. The agency offers policies from over 25 carriers, and residential insurance offerings include homeowners, renters, and mobile home insurance policies. Other types of insurance Guidance Insurance Agency provides include auto, commercial, general liability, and boat insurance. The agency does business in English and Spanish.

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 (95)

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
11711 Sterling Ave Unit A, Riverside, CA 92503
  • Multiple Policy Types

Why choose this provider?

Red Star Insurance Services caters to clients throughout Riverside and the surrounding cities. It offers personal insurance products, such as homeowners' insurance plans. Its team provides various policy coverages, including property, personal belongings, liability, and medical and living expenses. It also offers coverage for jewelry and automobile and from earthquakes and floods. The independent insurance agency represents multiple carriers in the market to help clients compare policies and assist them in selecting the right level of coverage.

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 (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.
3.8
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.
  • Does homeowners' insurance in Riverside cover wildfire damages?

    Typical homeowners insurance policies in Riverside offer wildfire damage coverage, but in areas particularly prone to fires, some insurers might refuse coverage. It's wise for homeowners to scrutinize endorsements, definitions, and conditions in their policies. Often, such policies assist in repairing homes or replacing belongings post-fire.

  • For Riverside residents, what coverage does the Additional Living Expense section of homeowners insurance offer when a home becomes unusable?

    The ALE section generally compensates homeowners for temporary rent, pet boarding, and associated expenses during home unavailability. It offsets increased gas and mileage costs from a distant temporary residence and covers food expenses, mainly if there's no available kitchen. It's wise for Riverside homeowners to promptly choose a fully-equipped temporary home to maximize ALE benefits. They should also request, in writing, an itemized ALE coverage list from their insurance company.

  • In Riverside, how should one determine the "dwelling" limit for homeowners insurance?

    For Riverside homeowners, the "dwelling" limit should reflect the replacement cost of their home, which might not align with the purchase price or current market value. This is because homeowners insurance typically doesn't account for the land's value. When deciding on coverage, they should weigh the expenses of labor and materials to rebuild the dwelling rather than real estate market shifts.

  • Does a homeowners insurance policy in Riverside guarantee complete home replacement if the house is destroyed?

    In Riverside, the guarantee hinges on the policy type. An actual cash value policy may not cover the total replacement, often weighing the policy limit against the home's current market value. In contrast, a replacement cost policy offers more comprehensive rebuilding potential. However, its efficacy depends on the specific policy variant.

  • Is it possible for Riverside residents to cover an engagement ring through their homeowners insurance?

    For individuals in Riverside seeking enhanced protection, specific valuables can be added to standard homeowners insurance policies through a process known as "scheduling." By scheduling personal precious items, such as engagement rings, artworks, photographic devices, or silverware, one ensures a more expansive safeguard. This method caters to items that conventional policies might overlook or under-protect.

  • 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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