Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in San Pedro

Our Recommended Top 6

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 Pedro 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.

54

Reviewed

34

Curated

6

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1871 North Gaffey Street, Los Angeles, CA 90731
  • Multiple Policy Types

Why choose this provider?

Based in San Pedro, NHC Insurance Services works to help homeowners protect their residences in the event of fire, vandalism, or theft. The agency assists clients in identifying suitable insurance coverage options for specific losses or overarching risk factors. NHC Insurance Services also works to help homeowners identify limits and deductibles as well as available options for liabilities, personal belongings, and additional living arrangements. Founded in 1986, the agency also offers support for business and vehicle insurance matters.

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 (17)
Google
4.8 / 5 (16)
Facebook
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
661 North Harbor Boulevard, San Pedro, CA 90731
  • Multiple Policy Types

Why choose this provider?

Olmos Insurance is an independent homeowner insurance agency servicing the San Pedro area. It offers homeowners insurance that protects its consumers from financial losses caused by natural disasters, fire, theft, and other unexpected damages stated in its policy. In addition, the company provides insurance for auto, motorcycle, and commercial establishments. It continues to foster strong bonds with numerous insurance companies to get its clients the right coverage. Customers are available to update or change their policy directly from the website.

License Verified:

License: 0M92003

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

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
935 North Avalon Boulevard, Los Angeles, CA 90744
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

UniAmerica Insurance focuses on helping homeowners around San Pedro determine their best options for financially securing their homes. The agency guides clients throughout the insurance selection process from buying and modifying to claims filing. UniAmerica Insurance seeks to execute a friendly approach to its work, which includes helping property owners identify policies that cover structures, personal assets, and liabilities. The agency has been providing its services for more than 25 years and puts value in volunteering and local community efforts.

License Verified:

License: 0F19708

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.
4.5
Google
4.5 / 5 (35)
Facebook
5.0 / 5 (12)
Yelp
4.0 / 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
845 West Pacific Coast Highway, Los Angeles, CA 90744
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Lara Insurance Agency - Wilmington is an independent financial services firm offering home insurance products to individuals and families in San Pedro and nearby areas. It helps clients secure protection for their houses and personal properties. In addition to a standard policy, it provides limited coverage and older home insurance. The company also has policies for renters, co-ops, and condominiums. Lara Insurance Agency works with various insurance groups, including Safeco, Progressive, and Hartford. It also carries auto, commercial auto, and motorcycle insurance.

License Verified:

License: 0F82718

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.
4.2
Google
4.0 / 5 (24)
Yelp
5.0 / 5 (3)
Facebook
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
333 West 5th Street, Los Angeles, CA 90731
  • Earthquake
  • Fire

Why choose this provider?

Arroyo Insurance Services is a homeowners' insurance agency in Los Angeles that reaches the neighborhood in San Pedro and the surrounding areas. The company's team of home insurance experts guides homeowners on how to find the right insurance policy for them. They also provide options to their clients and assist the homeowners in their decision-making based on several factors, including the policy amounts for repairs or rebuilding the home, the personal possessions covered, and the additional living expenses needed.

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.
4.2
Google
4.2 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
233 North Harbor Boulevard, Los Angeles, CA 90731
  • Condos
  • Multiple Policy Types
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Jimmy Ramirez is an insurance agent with State Farm who serves clients' insurance needs in the San Pedro area. He helps property owners find the right coverage on their State Farm homeowners' insurance policies so that they can get the financial protection they need. Home insurance policies may protect against named perils only (specific risks) or all risks, depending on the client's choice. Ramirez also provides other State Farm insurance products such as auto, health, life, and business 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
4.9 / 5 (20)
Yelp
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

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.
  • Does your lender also get a check if you file a homeowners' insurance claim for your San Pedro home?

    If you have a mortgage on your San Pedro home, your insurer will generally provide you and your lender with a check. As part of the mortgage requirements, lenders must be listed on the homeowner's insurance policy. It indicates that they are responsible for any structure-related insurance costs. However, if you have additional coverage for living expenses, the check should only be made payable to you, as this is not a repair-related expense.

  • Should you hire a public adjuster for your homeowners' insurance claim in San Pedro?

    If you want to avoid the hassle of filing claims and receive a fair insurance payout, you may want to consider hiring a San Pedro public adjuster. As opposed to relying on insurance adjusters, public adjusters can represent you in the appraisal process and conduct assessments fairly. This may result in improved settlements for the repair or reconstruction of your home. They can also save you time by handling claim-related paperwork and assisting with negotiations.

  • Can installing solar panels on your home in San Pedro increase your homeowner's insurance?

    Yes, installing solar panels on your San Pedro home could increase your homeowner's insurance premiums. You must include the solar panels in your new policy to insure them, and this increase in your home's value typically results in a premium increase. You may not need to purchase a separate policy for your solar energy systems. You need only modify your policy to reflect the addition.

  • What are some of the exclusions in homeowner's insurance that a policyholder in San Pedro should know about?

    Exclusions from a San Pedro homeowner's insurance policy include coverage for negligence, war, and intentional loss. In addition, the policy may exclude coverage for general power outages and earth movements such as earthquakes and landslides. The exclusion of ordinance expenses, which are the costs required to bring the property up to date with local building codes when rebuilding after a loss, can be costly.

  • Can you get a stand-alone earthquake policy from the California FAIR Plan in San Pedro?

    No, an active California FAIR Plan policy is required prior to obtaining a California Earthquake Authority earthquake policy. The earthquake policy can cover costs like home repairs and the replacement of damaged household items. The rates and premiums depend on the type of foundation, construction, roof, age, and proximity to faults of your San Pedro home.

  • 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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