Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in San Diego

Our Recommended Top 18

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 San Diego 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.

742

Reviewed

452

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
401 H Street, Chula Vista, CA 91910
  • Condos
  • Personal Property Insurance

Why choose this provider?

American Tri-Star Insurance Services Inc. is experienced with homeowners insurance policies and sells them to clients to protect their properties. It can help with policies that provide property coverage for dwellings themselves, personal property coverage for items belonging to the homeowners, and liability coverage in case anyone is harmed on a client's property. Policies can also include provisions for medical and living expenses if homeowners are displaced or anyone is harmed on premises.

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 (509)
Facebook
4.8 / 5 (8)
Yelp
3.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8733 N Magnolia Ave, Santee, CA 92071
  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

True Pro Insurance Center Inc., which has operated as an independent insurance agency since 2013, is based in Santee, California. The firm represents top carriers including Mercury, The Hartford, and Nationwide. Owner Autumn Hart's motto is "Your Needs, Our Profession." The firm offers homeowners insurance tailored to the needs of Californians with specialized coverage for earthquake, flood, and forest fires. Loss or damage to personal belongings, personal liability, and additional living expenses should a home become uninhabitable 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.
4.9
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (16)
Google
4.6 / 5 (14)

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
3160 Camino Del Rio South Suite 118, San Diego, CA 92108
  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Pacific Premier Insurance is an independent agency serving individuals, families, and businesses in San Diego. It helps them protect their properties and personal belongings by offering homeowners' insurance policies. It also provides auto, cyber liability, renters', umbrella, and workers' compensation insurance plans. In addition, it carries different types of life insurance products, including term, whole, and universal. The firm is partnered with companies like Kemper, Nationwide, and The Hartford. Pacific Premier Insurance's management team brings over 12 years of industry experience.

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 (74)
Facebook
5.0 / 5 (29)
Yelp
5.0 / 5 (25)

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
2611 Denver Street, San Diego, CA 92110
  • Personal Property Insurance

Why choose this provider?

The Insurance Place helps families shop for homeowners insurance and sells them policies that provide coverage for any risks associated with their properties and belongings. Its agents inform clients on policy options and contingencies and assess their circumstances to create policies that best cover their liabilities. The Insurance Place also offers flood insurance and earthquake insurance coverage along with umbrella policies, and renters insurance is available as well. Clients can purchase car insurance policies here 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.
4.7

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
PO Box 180699, Coronado, CA 92178
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Backed with three decades of experience, Wilson & Company Insurance Services, Inc., assists San Diego residents in several areas, including homeowners' insurance. Its independent agents provide different types of coverage for homeowners, whether they are looking to protect their personal belongings or their properties. They also offer policy options for renters, landlords, and residents of condominiums and mobile homes. Wilson & Company Insurance Services gives back to the community by supporting local organizations, such as the Coronado Schools Foundation and the San Diego Zoo Global.

License Verified:

License: 0L48182

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

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
3034 Imperial Avenue, San Diego, CA 92102
  • Renter's Insurance
  • Condos
  • Earthquake
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Curtis Moring Insurance Agency, Inc., serves clients throughout the San Diego area. It offers a comprehensive suite of insurance solutions for individuals and businesses. It provides insurance plans for homeowners, apartment building owners, renters, and manufactured and mobile homeowners. Its agents offer coverage for property repairs, personal property, liability, and medical and living expenses. As an independent insurance agency, it represents multiple carriers to provide clients with a wider selection of plans. Curtis Moring, principal of the agency, holds over 42 years of industry experience.

License Verified:

License: 0719355

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.
4.6
Yelp
4.0 / 5 (4)
Google
5.0 / 5 (3)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4411 Mercury St Ste 105B, San Diego, CA 92111
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

San Diego Insurance is an insurance brokerage that sells home insurance and serves the San Diego metropolitan area. Founded in 1991, the company provides insurance for homeowners by establishing the age, location, and value of the property as well as its size. San Diego Insurance is licensed to sell property and casualty, accident, fire, life, and health insurance in California and is committed to providing great service with low prices.

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
Yelp
5.0 / 5 (102)
Google
4.6 / 5 (91)

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
3525 Del Mar Heights Rd Ste 754, San Diego, CA 92130
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Kazerouni Insurance Services is an independent insurance agency that serves the greater San Diego, California, area. President Nick Kazerouni has been providing homeowners insurance from multiple highly-rated providers for over 13 years. Homeowners insurance policies are customizable and include dwelling coverage, personal property protection, personal liability, medical payments, and coverage for other structures on the property. Kazerouni Insurance Services also offers renters, condo, earthquake, umbrella, boat, auto, and motorcycle 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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3033 5th Avenue Suite 325, San Diego, CA 92103
  • Homeowners

Why choose this provider?

JPL Insurance Services is an independent insurance agency that has been serving clients in San Diego since 1993. The agency applies a straightforward approach to choosing insurance carriers while providing helpful advice to clients. It offers homeowners', life, and auto insurance plans, and customized policies for childcare businesses, workers, and apartment buildings. JPL Insurance Services partners with leading insurance carriers like Safeco Insurance and Markel Insurance Company. Lead account manager Shawn D. Bonsack has over 20 years of experience in client relations and sales management.

License Verified:

License: 0B91431

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.
4.9

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
360 N El Camino Real Ste 1A, Encinitas, CA 92024
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Since 2010, Advanced Brokers Insurance Services has been providing home insurance policies to residents of San Diego, California. Working with insurance carriers such as Mercury Insurance, Travelers, and Nationwide, the company's home insurance solutions cover everything from structural damage to loss of contents inside the home due to fire, natural disaster, theft, or other accidents. In addition to home insurance, Advanced Brokers Insurance Services offers auto, life, disability, and business insurance products.

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 (13)
Google
5.0 / 5 (7)
Facebook
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
2365 Northside Drive Suite 200, San Diego, CA 92108
  • Homeowners

Why choose this provider?

HomeServices Insurance Agency serves the financial security needs of clients throughout the San Diego metro. It offers homeowners' insurance that covers the damages to clients' properties and their legal responsibilities for any injuries their families or pets may cause to third parties. The independent agency offers a full line of services through carrier companies like AIG, Foremost, and Hagerty. Its insurance consultants work with clients to determine their risk exposures, make them understand their options, and design packages that are adapted to their specific needs.

License Verified:

License: 0E32754

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 (12)

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
San Diego, CA
  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Your Good Insurance caters to families and individuals in San Diego and nearby locations. It helps clients obtain various personal protection plans, including homeowners' insurance. The independent agency crafts customized coverages to protect policyholders from financial losses caused by perils such as natural disasters, vandalism, and theft. It also furnishes auto, condominium, earthquake, and flood insurance. Its agents work with more than 15 carriers. Your Good Insurance has been in the industry for nearly 15 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.
5.0
Google
5.0 / 5 (7)
Yelp
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
16456 Bernardo Center Drive #102, San Diego, CA 92128
  • Personal Property Insurance
  • Renter's Insurance

Why choose this provider?

Kevin Paulson Insurance Agency, Inc. offers homeowners' insurance policies in San Diego. This family-owned and family-operated agency represents a wide network of insurance carriers, including Arrowhead, AIG, and Kemper Preferred, to help clients determine which policies provide the suitable coverage and value for their financial capabilities. Founder Kevin Paulson has been in the industry for more than 30 years. He and his team also carry other insurance policies, such as life, auto, and umbrella insurance.

License Verified:

License: 0E32714

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.
4.6
Yelp
4.5 / 5 (27)
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
8100 La Mesa Blvd Ste 105, La Mesa, CA 91942
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

OP Insurance is a full-service agency serving clients in San Diego and the surrounding metros. Its team offers insurance products for both personal and commercial applications, including homeowners insurance policies. The company also arranges umbrella, earthquake, and flood policies for additional protection. As an independent brokerage, OP Insurance shops from different carriers to find programs that suit the needs of their clients. CEO George Ohnesorgen and COO Sean Roberts have over 30 years of combined experience in the insurance industry.

License Verified:

License: 0H65134

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.
4.9
Yelp
5.0 / 5 (13)
Google
4.6 / 5 (9)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
944 C Street, San Diego, CA 92101
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Hultz Insurance & Financial Services Inc. has been providing services to the communities in San Diego for over 20 years. It offers homeowners' insurance to help property owners secure their finances in cases of untoward incidents. The agency also provides commercial, auto, and life insurance from different insurance carriers. Its agents help clients understand insurance processes and assist in creating custom policies to tailor-fit the coverage for them. The agency runs a 24/7 operation for inquiries.

License Verified:

License: 0D51793

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.
4.8
Google
4.8 / 5 (50)
Facebook
5.0 / 5 (5)
Yelp
3.0 / 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
7960 Silverton Ave STE 202, San Diego, CA 92126
  • Homeowners

Why choose this provider?

Jump Insurance offers a variety of insurance policies for residential and commercial clients in San Diego. The firm provides personalized insurance solutions to homeowners' needs, including structural repairs for damages caused by fire or hurricane disasters. It protects clients against lawsuits and claims for accidents that happened on the property. It also offers policies for automobile and business insurance needs. Aaron Farmer and Jeremy Wilkins were the owners of Farmers Insurance agency before establishing Jump Insurance.

License Verified:

License: 0L75450

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 (19)

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
1761 Hotel Circle S Suite 305, San Diego, CA 92108
  • Homeowners

Why choose this provider?

Readylane Insurance Services offers homeowners' insurance for clients in San Diego and nearby areas. It helps customers protect their homes and personal belongings from unforeseen events. With more than 30 years of combined insurance experience, the team can provide comprehensive information on various types of insurance plans. It uses a customer-value-oriented approach to serving the agency's 5,000 clients. Founders Jose Sanchez, Francisco Duran, and Edward Ramirez value hard work, commitment to the business, and innovation.

License Verified:

License: 0H99551

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 (96)
Yelp
5.0 / 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
617 East Teal Circle, San Diego, CA 93730
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Gennock Insurance is a full-service insurance agency that serves residents of San Diego and nearby communities. It provides homeowners' insurance options from over 50 different insurance carriers, including Metlife and Progressive. The agency educates first-time policyholders about different types of homeowners' coverage, such as premises liability, structural damage, and loss of personal possessions. It can also process claims and provide ID cards for insurance authentication. Gennock Insurance's other options include automobile, business, workers compensation, and umbrella insurance plans.

License Verified:

License: 6001711

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.
4.8
Google
5.0 / 5 (19)
Facebook
5.0 / 5 (10)
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

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.
  • In a homeowners insurance policy in San Diego, what is the difference between a multi-peril and multi-line policy?

    In San Diego, a multi-peril policy might suggest that it covers multiple risks, but in reality, it is a single policy that merges fire, casualty, and marine coverages. This kind of policy is typically found in agreements such as homeowner's insurance. A multi-line policy, on the other hand, is a bundle that includes typical liability and property insurance line coverages.

  • What are the benefits of adding home cyber protection to your homeowners' insurance policy in San Diego?

    Home cyber protection provides coverage for home system and computer attacks, online fraud, and cyber extortion that can happen to your property in San Diego. Adding this to your homeowners' insurance policy can cover the payments that you need to pay to recover data from your leased computers and other connected home devices. The costs of professional assistance in responding to cyber-extortion requests will also be covered by this insurance.

  • What type of insurance covers old homes in San Diego?

    Older home insurance, also known as HO-8, offers protection for older homes in San Diego, typically those that don't fulfill the underwriting standards of the majority of insurance companies. Due to the difficulty of replacing older properties, this policy only provides coverage at market value. This house insurance policy also includes specified perils coverage, which protects against losses and damages caused by common hazards.

  • In relation to your property in San Diego, what is the coverage available for earthquake insurance?

    If an earthquake happened in San Diego, having an earthquake policy can provide coverage for the damage that your home suffered due to the calamity. This policy can also pay for your living expenses in the event that your home is no longer livable due to the earthquake. Your personal possessions will also be repaired or replaced with the help of this policy.

  • Why do you need to call your insurer if you're planning to add a pool or a trampoline to your home in San Diego?

    It is important to consult your home insurance provider before making any decisions about adding a pool or a trampoline to your San Diego property because not all insurers in California will cover a house with these additions. In addition, the insurer might decline any claims relating to these enhancements if you don't contact your agent about them.

  • 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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