Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Roseville

Our Recommended Top 10

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 Roseville 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.

83Reviewed

53Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
13 Sierra Gate Plaza bldg a, Roseville, CA 95678
  • Multiple Policy Types

Why choose this provider?

Foothill Valley Insurance Agency is a locally-owned insurance agency based in Roseville. The agency has a comprehensive array of insurance solutions that include homeowners' insurance, auto insurance, and business insurance. Its homeowners' insurance gives suitable coverage for the properties of its clients. The insurance covers the property and personal belongings from accidents and damages. Its insurance specialists can discuss the coverage options with the clients since standard policies do not cover all types of accidents and damages.

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)
Facebook
5.0 / 5 (1)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1120 Douglas Boulevard, Roseville, CA 95678
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Chris Hagans, State Farm Insurance Agent, is managed by a second-generation agent and provides homeowners insurance product through the State Farm carrier to clients throughout the Roseville metro area. This company can assist clients with shopping for quotes and handling any issues as they select and purchase policies. Its agents explain the types of coverage to each client and help them to file claims when necessary. Chris Hagans, State Farm Insurance Agent, also insures businesses.

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 (104)
Yelp
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
673 Shasta Street, Yuba City, CA 95991
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

Bill Edick Insurance Agency Inc. sells homeowners insurance policies that protect clients from large financial losses if their properties are severely damaged. The agency assesses properties to evaluate their value and help people to properly insure them and protect themselves financially from any liabilities associated with building materials or land. Bill Edick Insurance Agency Inc. also insures the personal property that clients have inside of their homes and on their land. Auto insurance is available as well.

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
Facebook
5.0 / 5 (33)
Yelp
4.5 / 5 (7)
Google
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
2540 Douglas Boulevard #200, Roseville, CA 95661
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire
  • Condos

Why choose this provider?

Reece Insurance protects Roseville homeowners and their properties from damage sustained from natural calamities like storms, windstorms, lightning, and hail. It also covers damage from fire incidents. Clients who own secondary homes, seasonal resident homes, and homes that are rented out to others can also avail homeowners' insurance for these properties. Reece Insurance also provides coverage options to reimburse the cost of the replacement of personal property or to cover the expenses if a guest suffered injuries within the premises.

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
2260 Lava Ridge Court, Roseville, CA 95661
  • Fire

Why choose this provider?

Gaines Insurance Agency, Inc. is a full-service independent insurance agency that serves Roseville residents, families, and businesses. With more than five decades of experience in the insurance industry, the agency helps clients find the best home insurance coverage and policies tailored to their needs. These policies provide protection against loss or damage caused by theft, fire, vandalism, and other unexpected events. They also cover personal liabilities, valuables, medical and living expenses. Gaines Insurance Agency, Inc. was established by Robert Gaines in the 1950s.

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
Yelp
5.0 / 5 (12)
Google
4.8 / 5 (4)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
198 Cirby Way, Roseville, CA 95678
  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Woodcreek Insurance Services is a full-service insurance agency with a location in Roseville. The independent insurance agency offers various levels of homeowners' insurance so that homeowners can better protect their investments. It offers basic or standard policies, renters and condo policies, and even special or enhanced special coverage policies. Woodcreek Insurance Services can bundle homeowners' insurance with auto insurance for customers' convenience. The agency can also assist clients with many other types of insurance, whether personal or commercial.

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
4.4 / 5 (5)
Facebook
5.0 / 5 (2)
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

Website
Roseville, CA 95747
  • Multiple Carriers
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Park Family Insurance Inc. serves the Roseville metro area and provides clients with comprehensive services when they need coverage for homeowners insurance. It offers custom programs so that clients can select the types of coverage they need and set up additional protections. The agency helps clients to protect against serious financial losses if their homes or personal possessions are damaged by weather, fire, floods, or because of crime. It also sells coverage for personal liabilities related to guest injuries on properties.

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 (10)
Yelp
5.0 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
231 Cherry Avenue, Auburn, CA 95603
  • Renter's Insurance
  • Condos

Why choose this provider?

George Petersen Insurance Agency provides homeowners insurance options to clients throughout the Roseville metro area. These policies payout to homeowners who've experienced damage in the structures of their properties or lost personal possessions. They also cover liabilities related to properties and dwellings. Coverage may be triggered by vandalism, weather phenomena, or other incidents. George Petersen Insurance Agency also provides insurance services for automobiles and recreational vehicles as well as for life 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.
4.9
Google
4.9 / 5 (9)
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
5701 Lonetree Boulevard, Rocklin, CA 95765
  • Condos
  • Flood
  • Earthquake

Why choose this provider?

Brad Lauppe is an insurance services provider for Farmers Insurance Group who assists Roseville clients in comparing and identifying insurance coverages to better suit them. He has been addressing insurance needs for over 16 years and has handled various insurance deals for auto, home, business, life, and renters'. He caters to individuals, families, and small businesses who want to insure their properties. The types of homeowner's insurance coverages are dwelling, liability, and contents. The agency also provides standard, enhanced, and premier home insurance packages.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3017 Douglas Boulevard, Roseville, CA 95661
  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Why choose this provider?

Located in Roseville, Peterson & Grantham Insurance Brokers is an insurance agency that has been serving the community since 2008. It is an independent insurance agency, which means it works with more than 35 insurance carriers when providing homeowners insurance policies to property owners seeking to protect their investments. Homeowners' insurance coverage can vary depending on a client's needs—they can cover all risks or only a specific few. Peterson & Grantham Insurance Brokers has written over 2,500 insurance policies since its founding.

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
5.0 / 5 (26)
Yelp
3.5 / 5 (17)
Facebook
4.3 / 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

FAQs

  • 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 much do Roseville residents typically pay for homeowners' insurance?

    Roseville residents pay an average cost of $998.4 for homeowners' insurance. This number might change, depending on the amount of coverage the policy buyer decides to put on their account. For example, if their coverage is above $1 million, their home insurance would cost roughly up to $2,198, while they only have to pay around $248 if their coverage amount is around $100,000.

  • What documents are given to you once you purchase a homeowners' insurance policy in Roseville?

    You will often find three documents after getting a Roseville homeowners' insurance policy. First, there is the declaration page, which states what, who, and how much you are insuring, along with the date your coverage begins and the cost. Second, you will see the policy booklet, which offers information on the coverages and exclusions of your policy. Finally, the relevant plan endorsements are stated on separate pages.

  • Do all areas in Roseville have the same rate for homeowners' insurance?

    No, Roseville residents pay different prices for their homeowners' insurance based on the street where their property is located. For instance, if you live by the streets of Lansdowne Way, Niles Ave, Lead Hill Blvd, and Kensington Dr, your average homeowners' insurance would cost $608, the cheapest option. On the other hand, people who live on Kilpatrick Way, Old Auburn Rd, Talon Reach Ct, and Shadowbrook Dr have to pay roughly $672 for homeowners' insurance, the most expensive rate.

  • Do you need to purchase earthquake coverage for your homeowners' insurance policy in Roseville?

    Since Roseville has a moderate earthquake risk and the last one that occurred within 30 miles of the area was in 1931, it may not be essential to add earthquake coverage to your current plan. Additionally, the USGS database indicates a 25.71% risk of a large earthquake occurring within 50 kilometers of Roseville within the next 50 years. However, don't allow this to stop you from taking steps to maximize your home's protection, and you are free to get earthquake insurance.

  • What is the most common natural risk a homeowner can experience in Roseville?

    Roseville has a reported fire risk of 75% due to the heat and drought that the area is experiencing. This is the most common risk that homeowners can encounter, highlighting the importance of ensuring that their homeowners' insurance policy has enough fire damage cover to protect their homes and finances from costly replacement and repair expenses.

  • 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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