Expertise.com

Best Homeowners Insurance Agencies in San Diego

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Advanced Brokers Insurance Services logo
Visit WebsiteWebsite

Advanced Brokers Insurance Services

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

Business Description

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
American Tri-Star Insurance Services Inc. logo
Visit WebsiteWebsite

American Tri-Star Insurance Services Inc.

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

Business Description

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
Beacon Insurance Services, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0438754

California Department of Insurance

Beacon Insurance Services, Inc.

4420 Hotel Circle Ct. Suite #130, San Diego, CA 92108
Visit WebsiteWebsite
  • Renter's Insurance
  • Condos
  • Fire
  • Homeowners

Business Description

Beacon Insurance Services, Inc., is a locally owned agency that has been serving businesses and individuals in San Diego since 1971. It offers homeowners' insurance policies that cover the clients' residences and personal properties. It customizes homeowners' liability insurance packages that protect the clients from property damage and personal injury claims. Other insurance options are auto, RV, life, commercial, and health insurance. Beacon also provides financial and retirement planning services. Its partner carriers include Prudential, Foremost, and John Hancock.

License Verified:

License: 0438754

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
Yelp
4.5 / 5 (9)
Google
3.2 / 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
Curtis Moring Insurance Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0719355

California Department of Insurance

Curtis Moring Insurance Agency, Inc.

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

Business Description

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
Google
5.0 / 5 (4)
Yelp
4.0 / 5 (4)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Danny Patel - State Farm Insurance Agent logo
Visit WebsiteWebsite

Danny Patel - State Farm Insurance Agent

345 F Street, Chula Vista, CA 91910
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Danny Patel, State Farm Insurance Agent, is active throughout the San Diego metro area and provides a multitude of services to help people purchase homeowners insurance and make use of their policies. The agency gives information to clients and answers their questions as they compare rates and create policy packages that suit their individual needs. Danny Patel, State Farm Insurance Agent, can valuate and insure many kinds of personal property, dwellings, and liabilities.

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 (43)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Gennock Insurance logo
Visit WebsiteWebsite

License Verified:

License: 6001711

California Department of Insurance

Gennock Insurance

617 East Teal Circle, San Diego, CA 93730
Visit WebsiteWebsite
  • Renter's Insurance
  • Homeowners

Business Description

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
Homeservices Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0E32754

California Department of Insurance

Homeservices Insurance Agency

2365 Northside Drive Suite 200, San Diego, CA 92108
Visit WebsiteWebsite
  • Homeowners

Business Description

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
Hultz Insurance & Financial Services Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0D51793

California Department of Insurance

Hultz Insurance & Financial Services Inc.

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

Business Description

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.
4.1
Google
3.9 / 5 (11)
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
JPL Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0B91431

California Department of Insurance

JPL Insurance Services

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

Business Description

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
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
Jump Insurance logo
Visit WebsiteWebsite

License Verified:

License: 0L75450

California Department of Insurance

Jump Insurance

7960 Silverton Ave STE 202, San Diego, CA 92126
Visit WebsiteWebsite
  • Homeowners

Business Description

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
Kazerouni Insurance Services logo
Visit WebsiteWebsite

Kazerouni Insurance Services

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

Business Description

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
Kevin Paulson Insurance Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0E32714

California Department of Insurance

Kevin Paulson Insurance Agency, Inc.

16456 Bernardo Center Drive #102, San Diego, CA 92128
Visit WebsiteWebsite
  • Personal Property Insurance
  • Renter's Insurance

Business Description

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 (19)
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
OP Insurance Agency, Inc. logo
Visit WebsiteWebsite

OP Insurance Agency, Inc.

8100 La Mesa Blvd Ste 105, La Mesa, CA 91942
Visit WebsiteWebsite
  • Multiple Policy Types
  • Homeowners

Business Description

OP Insurance Agency, Inc. provides home insurance packages to clients throughout the La Mesa, California, metro area. It typically structures policies involving coverage for the structure itself, property within, and liability for guests injured or otherwise harmed on the premises. Earthquake and flood insurance are also offered, and renter's insurance is available for clients leasing property who wish to protect personal assets. OP Insurance Agency, Inc. often structures home insurance as part of an umbrella policy with auto 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.
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
Pacific Premier Insurance logo
Visit WebsiteWebsite

Pacific Premier Insurance

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

Business Description

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
Readylane Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0H99551

California Department of Insurance

Readylane Insurance Services

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

Business Description

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)

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
San Diego Insurance logo
Visit WebsiteWebsite

San Diego Insurance

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

Business Description

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
The Insurance Place logo
Visit WebsiteWebsite

The Insurance Place

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

Business Description

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
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
True Pro Insurance Center, Inc. logo
Visit WebsiteWebsite

True Pro Insurance Center, Inc.

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

Business Description

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
Wilson & Company Insurance Services, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0L48182

California Department of Insurance

Wilson & Company Insurance Services, Inc.

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

Business Description

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
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

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
Your Good Insurance logo
Visit WebsiteWebsite

Your Good Insurance

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

Business Description

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 (4)
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
Back to Providers

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.

Read all FAQs