Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in San Marcos

Our Recommended Top 8

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 Marcos 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.

60Reviewed

39Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1458 Encinitas Boulevard, Encinitas, CA 92024
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Lisa Trapp, State Farm Insurance Agent, sells homeowners insurance policies to clients in and around the San Marcos metro area. This agency can assist clients with any needs involving homeowners insurance policies and it provides them with comprehensive assistance when they need to claim damage to their homes or personal items. Lisa Trapp, State Farm Insurance Agent, helps clients to purchase new policies and can valuate properties to advise on necessary coverage amounts.

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 (24)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (10)

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
1001 West San Marcos Boulevard, San Marcos, CA 92078
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Mercury Insurance provides comprehensive coverage products, including homeowners insurance, in San Marcos and other locations. The agents advise clients on the coverage choices and options the company carries and write a customized plan that suits the clients' insurance needs. Some of the coverages that can be included in the homeowners policy are dwelling protection, personal property, extended replacement cost, additional living expenses, and personal liability protection. Mercury Insurance was recognized by Forbes Magazine as one of America's Most Trustworthy Companies.

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

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

Website
405 South Las Posas Road, San Marcos, CA 92078
  • Multiple Policy Types

Why choose this provider?

John Hadley is a State Farm insurance agent in San Marcos with more than 32 years of experience helping personal clients find policies that provide them with coverage should the worst happen, such as a fire or earthquake. The licensed agent can tailor policies and look for ways to reduce premiums. He can also discuss additional coverage for high-risk needs, such as liability and the replacement of expensive items, such as jewelry.

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
Facebook
5.0 / 5 (11)
Yelp
4.5 / 5 (10)
Google
4.6 / 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
27357 Valley Center Road, Valley Center, CA 92082
  • Fire
  • Multiple Policy Types

Why choose this provider?

Pauma / Valley Insurance Agency Inc. carries homeowners insurance products and sells coverage to clients in the San Marcos metro area. It offers liability coverage to shield individuals from liability related to guest injuries. These policies also cover any damage inflicted upon houses and the replacement costs of personal items that are destroyed. Pauma / Valley Insurance Agency Inc. offers several kinds of policies for health insurance, life insurance, auto insurance, and business insurance 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.
4.1
Google
4.1 / 5 (24)
Yelp
4.0 / 5 (18)

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
1307 Stratford Ct Del Mar , CA 92014, Del Mar, CA 92014
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Lutz Insurance Services Inc. is an independent insurance agency that's licensed to serve personal and business clients throughout California, Arizona, Nevada, and Oregon. The agency can provide unbiased advice on a range of home insurance policies that its agent's source from major insurers. The agents can also discuss additional coverage if they believe it may be appropriate, such as meeting the costs of losing expensive items, including art and jewelry.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6994 El Camino Real, Carlsbad, CA 92009
  • Life Insurance
  • Individual Plans

Why choose this provider?

Reinhardt Insurance Services serves the residents of San Marcos and the surrounding communities. The company specializes in providing home insurance solutions that protect homeowners from damages caused by wind, floods, storms, and hail. Car owners can also take advantage of the company's auto insurance policies. These policies cover a wide range of vehicles, from motorcycles and classic cars to boats and RVs. Reinhardt Insurance Services also offers umbrella options that help clients get additional coverage beyond that of traditional policy limits.

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 (3)
Google
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
809 West San Marcos Boulevard, San Marcos, CA 92078
  • Multiple Policy Types

Why choose this provider?

Schaub Insurance Agency, Inc., is a woman-owned, independent insurance agency located in San Marcos. It helps individuals and families protect their homes from disasters and losses with homeowners' insurance. The policy typically covers both the exterior parts of the house and the contents and pays for the replacement or restoration of damaged properties. Personal belongings that have been stolen or vandalized can also be included in the policy. The company specializes in packaging homeowners' policies with auto 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)
Yelp
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
900 Canterbury Place, Escondido, CA 92025
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

North County Insurance offers homeowners insurance near San Marcos and consults clients on their coverage needs and their options. It generates quotes for insurance coverage and advises people about the kinds of coverage they should purchase based on risks introduced by their properties. For instance, its agents can advise clients to increase liability limits when they have swimming pools. North County Insurance also helps people to collect from carriers when they file claims.

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 (12)
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

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.
  • Is it possible for an insurance company to cancel a homeowners' insurance policy in San Marcos?

    Yes, it is possible for an insurance company to cancel a homeowners' insurance policy if it determines that the risk associated with insuring the property has increased significantly. In fact, a San Marcos couple received policy termination from AAA even though they have a fire hydrant right across the street, are within a mile of two fire stations, and have replaced the roof with fire-resistant materials.

  • How do wildfire incidents in Northern California affect homeowners’ insurance premiums and coverage availability in San Marcos?

    Northern California wildfires have prompted State Farm to no longer write new homeowner insurance policies in California, which has affected homeowners in San Elijo Hills, a community within San Marcos. The insurance company mentioned that its decision was driven by escalating exposure to catastrophic events, notable rises in construction expenses surpassing inflation rates, and a challenging reinsurance market.

  • Can higher deductibles assist homeowners in San Marcos in saving hundreds of dollars annually on their premiums?

    Yes, increasing the deductible on insurance policies can lead to lower annual premiums for San Marcos homeowners. When homeowners opt for a higher deductible, they are essentially taking on more financial responsibility in the event of a claim. In return, insurance companies lower their premiums because they have less risk.

  • Do homeowners’ insurance policies pay for the extra expense of rebuilding a home in compliance with new building codes in San Marcos?

    Generally, homeowners insurance policies, even a guaranteed replacement cost policy, will not pay for the extra cost of rebuilding to code in San Marcos. However, many insurance companies offer an ordinance or law endorsement that pays a specified amount toward these costs. Building codes are revised periodically and could have undergone substantial modifications since the construction of a residence.

  • Does the medical coverage in a homeowners’ insurance policy cover health care costs for San Marcos homeowners and their families?

    No, because this coverage is designed to assist guests of San Marcos homeowners who sustain injuries while on the property. In some instances, it also extends to individuals who are injured outside of their own property. However, to address the healthcare expenses of homeowners and their families, a distinct health insurance policy is required.

  • 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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