Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in San Mateo, CA

Our Recommended Top 7

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 Mateo 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.

59Reviewed

38Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

72 37th Avenue, San Mateo, CA 94403

Expertise.com Rating

Review Sources

Yelp
4.0 (5)
Facebook
5.0 (1)

Why choose this provider?

Flaig Insurances Services helps secure homeowners in San Mateo and the neighboring communities. As a homeowners' insurance agency, it can protect the properties and assets of its clients from damage caused by accidents and calamities. It has coverage for different kinds of dwellings, such as single-family homes, townhouses, condominiums, and mobile homes. Clients can opt to avail of the mortgage protection insurance offered by the agency, which covers mortgage payment when needed. Flaig Insurances Services has been an independent insurance agency since 2002.

  • Renter's Insurance
  • Multiple Policy Types

3 Plaza View Lane, Foster City, CA 94404

Expertise.com Rating

Review Sources

Google
4.9 (65)
Yelp
5.0 (34)
Facebook
5.0 (22)

Why choose this provider?

Jennifer Selvitella is a State Farm insurance agent with more than a quarter of a century of experience helping personal and business clients in the San Mateo metro area find policies that meet their coverage requirements. Ms. Selvitella has significant experience in tailoring home insurance policies for home and condo owners and investors. She can help clients understand exactly what's covered and discuss additional coverage, such as extra liability. The licensed agent also specializes in life and health insurance.

  • Renter's Insurance
  • Multiple Policy Types

14 41st Avenue, San Mateo, CA 94403

Expertise.com Rating

Why choose this provider?

Noel Sanchez is a TWFG Insurance Services agent in San Mateo who can find a choice of home insurance policies for his clients. He can access the policies of multiple carriers, including Progressive, Liberty Mutual, and Safeco. Mr. Sanchez determines his clients' coverage needs and budgets, finds products that are within range, and tailors policies to give the client exactly what they need. He also specializes in renters, life, and auto insurance.

  • Fire
  • Multiple Policy Types

4633 Old Ironsides Drive, Santa Clara, CA 95054

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Cavanaugh/Smith/Habel Insurance Agency services San Mateo area residents that seek to financially protect their properties against damage-related expenses. Based in Santa Clara, the agency helps clients settle claims for replacement and repair costs associated with properties impacted by various covered events including windstorms and kitchen fires. CSH also provides assistance in securing coverage for liabilities and living expenses associated with properties that are temporarily unfit for habitation. The agency has been in the insurance industry since 1932.

  • Earthquake
  • Multiple Policy Types
  • Flood

60 41st Avenue, San Mateo, CA 94403

Expertise.com Rating

Review Sources

Google
5.0 (78)
Yelp
5.0 (36)

Why choose this provider?

Based in San Mateo, Catalli Insurance Brokers offers services that cater to homeowners seeking financial protections and claims assistance for their properties. The firm helps clients ensure coverage for rebuilding and replacement costs in cases such as fire, flooding, theft, and mold infestation. Catalli Insurance also assists homeowners in obtaining coverage for personal liabilities, lost contents, and unattached structures. The agency has been in the insurance sector since 1960 and also offers insurance services for condominiums and townhouses as well as renters.

  • Multiple Policy Types

3428 Balboa Street, San Francisco, CA 94121

Expertise.com Rating

Review Sources

Yelp
4.0 (23)
Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Jessica Liu Insurance Services is an independent insurance agency with offices in San Francisco and San Mateo. The agency helps its clients find a homeowners' insurance policy suitable to their needs. The insurance policy provides financial protection against losses due to fire, vandalism, or theft. It also covers any liabilities for injuries another person suffers within the client's property. Additionally, the insurance policy may cover additional living expenses in case the clients need to temporarily vacate their homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1710 S Amphlett Blvd UNIT 201, San Mateo, CA 94402

Expertise.com Rating

Review Sources

Yelp
4.5 (14)
Google
5.0 (1)

Why choose this provider?

Connell Insurance Agency has been providing insurance solutions and services to San Mateo residents since 1978. It provides homeowners' insurance plans for all types of residential properties, such as houses, townhomes, and condominiums. It has a team of expert agents who specialize in constructing exhaustive homeowners' insurance policies that take into account overlooked aspects of home insurance. The company also offers policies for auto insurance, life insurance, health insurance, business insurance, and commercial insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Flaig Insurances Services
72 37th Avenue, San Mateo, CA 94403
Jennifer Selvitella - State Farm Insurance Agent
3 Plaza View Lane, Foster City, CA 94404
TWFG Insurance Services - Noel Sanchez
14 41st Avenue, San Mateo, CA 94403
Cavanaugh/Smith/Habel Insurance Agency
4633 Old Ironsides Drive, Santa Clara, CA 95054
Catalli Insurance Brokers
60 41st Avenue, San Mateo, CA 94403
Jessica Liu Insurance Services
3428 Balboa Street, San Francisco, CA 94121
Connell Insurance Agency
1710 S Amphlett Blvd UNIT 201, San Mateo, CA 94402

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.
  • Does homeowners' insurance in San Mateo cover theft?

    A homeowners insurance policy usually includes coverage for theft and damage to a home in San Mateo due to a break-in. A homeowners' insurance plan will either cover replacement costs or actual cash value. Replacement costs refer to how much an item currently costs, while actual cash value refers to how much an item would sell for today and not the cost of a new one.

  • Does homeowners' insurance in San Mateo have limits as to how much it can reimburse in the event of a burglary?

    A typical homeowners' insurance plan will provide coverage for the policy holder's possessions at about 50% to 70% of the amount of insurance they have on their home in San Mateo. Meanwhile, reimbursement for high-value items is usually capped at a low amount. For instance, jewelry is capped at $2,000 while cash is around $200.

  • Does homeowners' insurance in San Mateo cover plumbing?

    In San Mateo, a homeowners' insurance policy typically covers unexpected plumbing issues. The homeowners' insurance might be responsible if the homeowner fixed the plumbing issue right away and kept up with maintenance. However, old plumbing and pipe leaks or existing issues that were ignored are not included. An insurance company sends an adjuster to the policyholder's home to determine whether the plumbing issues qualify for coverage.

  • Is homeowners' insurance tax-deductible in San Mateo?

    Generally, homeowners' insurance policies are not deductible on federal taxes unless they are considered business expenses. You may be able to deduct all or part of your homeowners' insurance premiums if you open your home in San Mateo for rental or use it as a home base for your business.

  • Will your homeowners insurance cover damage to vacation rentals in San Mateo?

    Standard homeowners' insurance plans include liability insurance, which covers injuries to people or damage to the property that you, your family, or your pets may have accidentally caused outside your home. This means that if you, your family, or your pet caused damage to a vacation rental in San Mateo, you can use the liability insurance part of your homeowners' insurance policy to pay for damages or legal costs if the other party files a lawsuit.

  • 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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