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. <br>

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. <br>

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. <br>

6 Best Santa Barbara Homeowners Insurance Agencies

Baratto, Sullivan & Co. Insurance

1731 State Street, Santa Barbara, CA 93101

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Multiple Policy Types

Baratto, Sullivan & Co. Insurance serves the Santa Barbara community. The company has been providing customized solutions to fit the insurance needs of its clients since 1977. It offers homeowners' insurance policies to help protect clients' homes, the surroundings, and the home's contents. The company's agents are committed to answering the needs of their clients in a prompt manner. As an independent insurance agency, Baratto, Sullivan & Co. Insurance carries policies from Allied Insurance, Blue Cross, Chubb, and National Flood Services.

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Baxter Insurance

1033 Santa Barbara Street, Santa Barbara, CA 93101

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Flood
Renter's Insurance
Earthquake

Baxter Insurance offers homeowners' insurance for clients in Santa Barbara, California. The family-owned and -operated agency talks with its clients about possible expenses like repairs for damage to the roof or walls. It also provides replacement or reimbursement for loss of clothes, furniture, or use of the house. The company has helped clients with mobile homes, condos, secondary residences, and rental properties. It has been active since 1989 and has been praised for comprehensive reports and friendly attitudes.

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CoreGen Insurance Agency, LLC

300 East Canon Perdido Street, Santa Barbara, CA 93101

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Renter's Insurance
Fire

CoreGen Insurance Agency, LLC is an insurance agency in Santa Barbara that has been providing insurance solutions to individuals, families, and businesses for over 20 years. Representing a variety of carriers, its professionals have the knowledge and experience to guide the clients throughout the process of selecting and purchasing a homeowners insurance policy. The policy is designed to cover the expenses related to certain hazards and events such as theft, hurricane, and fire. CoreGen also offers renters and auto insurance.

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korysf.com

5915 Calle Real, Goleta, CA 93117

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Renter's Insurance
Multiple Policy Types

Kory Robertson is a State Farm insurance agent who has been helping personal and business clients in Santa Barbara County get the coverage they need since 2012. The licensed agent often serves homeowners looking for affordable policies that will protect them against the costs of repairing their property's structure, replacing destroyed personal items, and covering liability claims. Mr. Robertson also has significant experience in life, health, auto, and business insurance.

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The Weiser Agency

2064 Alameda Padre Serra, Santa Barbara, CA 93103

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Multiple Policy Types

The Weiser Agency is a locally-owned insurance agency in Santa Barbara that offers insurance packages to individuals and businesses. The company has been around since 2015 and its management has over 37 years of cumulative experience in the insurance industry. It offers insurance packages that cover dwellings and other home structures from damage, accidents, and losses. It also offers additional coverage for items in the home such as jewelry. The Weiser Agency was a finalist for the Santa Barbara Business Council Best Small Business category in 2019.

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Victoria's Insurance

724 N Milpas St, Santa Barbara, CA 93103

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Multiple Policy Types

Victoria's Insurance caters to the risk management needs of individuals, families, and businesses in the Santa Barbara metro and nearby areas. Its team of insurance agents helps clients get financial protection for themselves, their families, and their properties by customizing various types of policies, including homeowners' insurance. They also assist clients in securing coverage for their businesses, cars, and motorcycles. Insurance solutions for commercial vehicle owners and customers driving to Mexico are also available from the agency.

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Best Homeowners Insurance Agencies in Santa Barbara

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Homeowners Insurance Agencies FAQs

Baratto, Sullivan & Co. Insurance

Baxter Insurance

CoreGen Insurance Agency, LLC

korysf.com

The Weiser Agency

Victoria's Insurance

Frequently Asked Questions

Q: How much homeowners\' insurance should someone carry?

Q: What should a homeowners\' insurance include/cover?

Q: How frequent should one change auto or homeowners\' insurance to another provider?

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