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Best Homeowners Insurance Agencies in San Leandro

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Concise Solutions Insurance Services logo
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License Verified:

License: 0M96830

California Department of Insurance

Concise Solutions Insurance Services

3349 International Blvd, Oakland, CA 94601
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  • Multiple Policy Types

Business Description

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.
4.0
Google
3.7 / 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
Julie La - State Farm Insurance Agent logo
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Julie La - State Farm Insurance Agent

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

Business Description

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
McDermottCosta logo
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License Verified:

License: 0167057

California Department of Insurance

McDermottCosta

1045 MacArthur Boulevard, San Leandro, CA 94577
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  • Homeowners

Business Description

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)
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
Nichols Insurance Services, Inc. logo
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Nichols Insurance Services, Inc.

20665 Santa Maria Ave, Castro Valley, CA 94546
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  • Condos

Business Description

Nichols Insurance Services, Inc., is a locally owned and independently operated brokerage firm specializing in property and casualty insurance. Since 1943, the agency has been helping the residents of San Leandro secure their belongings by tailoring insurance policies. Its agents furnish homeowners' insurance products, which covers repair costs, injury liabilities, additional living expenses, and personal property coverage. They also offer supplementary insurance to customers, including policies that pay for the damages caused by earthquakes and flooding.

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
Phuong Le - Farmers Insurance Agent logo
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Phuong Le - Farmers Insurance Agent

382 East 14th Street, San Leandro, CA 94577
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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
Viking Insurance Associates logo
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License Verified:

License: 0647928

California Department of Insurance

Viking Insurance Associates

1178 C Street, Hayward, CA 94541
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  • Flood
  • Earthquake
  • Condos

Business Description

Viking Insurance Associates is an independent agency that serves homeowners throughout San Leandro and the surrounding communities. Its agents offer various selections of insurance products to homeowners, providing financial protection in case of property damage while at home or elsewhere. The insurance typically includes liability coverage so that clients can be protected financially should there be an accident on their premises. Some of the insurance carriers it represents include American Modern, Progressive, and Safeco Insurance.

License Verified:

License: 0647928

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
4.1 / 5 (42)

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
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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.

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