Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in San Leandro

Our Recommended Top 4

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 Leandro 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.

55

Reviewed

34

Curated

4

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1045 MacArthur Boulevard, San Leandro, CA 94577
  • Homeowners

Why choose this provider?

Established in 1938, McDermottCosta is an independent home insurance agency located in San Leandro. Its homeowners' association insurance covers the clients' properties and communal areas. Apartment owners can also get insurances to protect their business and properties against loss or damages. Licensed in all 50 states, the agency also provides personal, manufacturing, restaurant, marine, and transportation insurances. Its current president and CEO, John Johnson, has been working in the agency since 1985.

License Verified:

License: 0167057

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.
4.7
Google
5.0 / 5 (33)
Yelp
3.5 / 5 (9)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1005 MacArthur Boulevard, San Leandro, CA 94577
  • Renter's Insurance
  • Multiple Policy Types
  • Earthquake
  • Condos

Why choose this provider?

Julie La, State Farm Insurance Agent, provides comprehensive assistance to clients looking for homeowners insurance in San Leandro. This agency can assist clients when they're dealing with needs related to homeowners insurance and it offers 24/7 consultation services for questions or claims. It insures residences, condos, and renters alike and sells personal liability umbrella packages to cover any incidents involving injured guests. Julie La, State Farm Insurance Agent, sells life insurance policies 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.
5.0
Yelp
5.0 / 5 (24)
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
382 East 14th Street, San Leandro, CA 94577
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Phuong Le - Farmers Insurance Agent offers a line of insurance products that includes home insurance. Serving San Leandro residents, the insurance professional provides three types of home insurance plans. The enhanced home insurance package covers the replacement costs of a property's contents and roofing. Replacement costs of the whole property and the homeowner's personal property are covered in the premier home insurance plan. Phuong Le has over a decade of experience in the industry. She speaks Vietnamese 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 (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
3349 International Blvd, Oakland, CA 94601
  • Multiple Policy Types

Why choose this provider?

Concise Solutions Insurance Services serves clients throughout the San Leandro metro and the surrounding cities. It helps individuals protect their homes and families by assisting them in applying for homeowners' insurance products. These products cover clients' properties and personal possessions damaged by theft or natural disasters. It offers home insurance options for apartments, condos, rental properties, and vacant and mobile homes. The company also assists individuals in Santa Clara, Oakland, Fremont, San Francisco, and Berkeley.

License Verified:

License: 0M96830

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
Facebook
5.0 / 5 (3)
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

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 makes it difficult to obtain homeowners' insurance in San Leandro?

    The shortage of new and available insurance policies makes it difficult to obtain homeowners' insurance in San Leandro. As California experienced destructive fires in recent years, most carriers are boosting their rates and limiting coverage. More than 1.2 million homes are at risk for wildfires in California, according to the data obtained by the Insurance Information Institute. Additionally, the region can be prone to other natural disasters.

  • What is the most common form of homeowners' insurance in San Leandro?

    In San Leandro and nearby areas, HO-3 or a special form is the most common homeowners' insurance policy form, according to the National Association of Insurance Commissioners. The H0-3 form can cover up to 16 perils, including fire and smoke, explosions, theft, water damage, windstorms, and vandalism. The policy can help pay for the repair or replacement of your belongings damaged by the risks indicated in your policy.

  • Is homeowners' insurance mandatory in San Leandro?

    Although homeowners' insurance is not required by law in San Leandro, you may need it when you have a home loan or mortgage. Most lenders may require you to have homeowners' insurance as part of the mortgage requirements. A homeowners' insurance policy can offer legal protection and coverage to repair or rebuild your house.

  • In San Leandro, what is the difference between HO-1 and HO-2 homeowners' insurance forms?

    The main difference between HO-1 and HO-2 is that HO-2 provides more coverage than the HO-1 policy in San Leandro. The HO-1 or basic form covers 10 risks, including fire, windstorm, riots, smoke, theft, and volcanic eruptions. The HO-2 or broad form covers a more comprehensive range of perils, including the ones listed on an HO-1 policy and some additional ones like falling objects, snow, ice, or sleet.

  • What can you do if you cannot get homeowners' insurance in San Leandro?

    If you cannot find homeowners' insurance in San Leandro after searching for coverage in the insurance market, you may contact the California FAIR Plan. You can apply for insurance coverage under the FAIR Plan through a broker or an agent licensed to sell insurance and registered with the FAIR Plan. The California Fair Access to Insurance Requirements Plan offers basic fire insurance coverage options for properties located in high-risk areas when traditional insurance carriers are unavailable.

  • 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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