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Best Homeowners Insurance Agencies in Santa Clara

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All Spectrum Insurance Brokers logo
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All Spectrum Insurance Brokers

4010 Moorpark Ave 117, San Jose, CA 95117
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

All Spectrum Insurance Brokers offers a full range of policy options for residents in Santa Clara, including policy options for home insurance. One of the home insurance coverages is scheduled personal property coverage. This coverage protects valuable possessions such as art, antiques, collectibles, and jewelry. All Spectrum Insurance Brokers is licensed in 12 other states, including New York, New Jersey, North Carolina, Texas, Washington, and Illinois. Its team also assists clients in managing insurance 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.
5.0
Yelp
5.0 / 5 (44)
Google
4.9 / 5 (32)
Facebook
5.0 / 5 (4)

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
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BayShield Insurance Services logo
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BayShield Insurance Services

1190 South Bascom Avenue, San Jose, CA 95128
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  • Multiple Policy Types

Business Description

BayShield Insurance Services is an independent agency that can source a wide range of products offered by major insurers, such as Foremost, Travelers, and Transamerica. Many of its clients are homeowners who need help in finding the right coverage for their properties and a thorough understanding of how their policies work. The agency's agents provide unbiased advice and support to their clients, discuss additional coverage the client might not have considered, and assist in filing 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.
5.0
Yelp
5.0 / 5 (18)
Facebook
5.0 / 5 (11)
Google
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
Concise Insurance Services logo
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Concise Insurance Services

2062 Walsh Avenue, Santa Clara, CA 95050
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  • Fire
  • Multiple Policy Types

Business Description

Concise Insurance Services discusses insurance policy options to residents and business property owners in Santa Clara and the surrounding areas. The homeowners' insurance policy provides financial protection in the unfortunate event of damages to property and personal belongings due to fire or natural disasters, loss due to theft and vandalism, and liability protection and medical coverage in the case of guests getting injured while on the client's property. Mortgage lenders also require clients to have homeowners' 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
Facebook
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
DCD Financial & Insurance Services logo
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DCD Financial & Insurance Services

1123 Soquel Avenue, Santa Cruz, CA 95062
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  • Renter's Insurance
  • Condos

Business Description

DCD Financial & Insurance Services is an independent agency located near Santa Clara that serves personal and business clients throughout California. Its agents frequently serve homeowners and renters looking for home insurance policies that will protect them from the costs incurred by a range of disasters, such as fires and flooding. Additionally, the agents can analyze the level of liability coverage the client might need and the replacement costs for particularly valuable personal items.

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
4.5 / 5 (182)
Yelp
1.0 / 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
Donald Browne Insurance Services, Inc logo
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Donald Browne Insurance Services, Inc

Santa Clara, CA
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  • Renter's Insurance
  • Earthquake

Business Description

Donald Browne Insurance Services Inc. is a locally owned agency based in Santa Clara that's been providing its clients with unbiased services since it started in 1997. Its agents can help homeowners, landlords, and renters get insurance to cover the costs of property damage, liability claims, medical expenses, and living expenses if they need to temporarily relocate. The agency also specializes in earthquake, vehicle, health, long-term care, and small 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.
4.8
Yelp
4.5 / 5 (7)
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (4)

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
Gleason Insurance Group logo
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Gleason Insurance Group

2033 Gateway Place, San Jose, CA 95126
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

Gleason Insurance Group is a locally-owned insurance agency serving Santa Clara residents and businesses since 2009. It offers clients homeowners' insurance products that match their specific needs. These home insurance policies cover property damage, personal belongings, and liabilities. The company also offers auto and business policies. Gleason Insurance Group's CEO, Nathan Gleason, has nearly a decade of experience in the industry and is licensed in numerous states, including California, New York, Washington, Texas, Mississippi, and Nevada.

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 (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
Melin Insurance Services logo
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Melin Insurance Services

2598 Mabury Square, San Jose, CA 95133
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

Melin Insurance Services caters to the insurance needs of homeowners and business property owners in Santa Clara and the surrounding communities. Its homeowners' insurance policies cover damages to the structures and personal belongings due to fire, lightning, hail, explosions, and theft. In order to receive the full benefits of a replacement payment, clients can choose from additional policies, such as the guaranteed replacement cost policy, the extended replacement cost policy, or an inflation guard.

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
Walton & Associates Insurance Services logo
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Walton & Associates Insurance Services

3150 Almaden Expressway, San Jose, CA 95118
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  • Multiple Carriers
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Walton & Associates Insurance Services is a locally owned agency that specializes in offering unbiased advice and a wide choice of policies sourced from some of the country's most respected insurance carriers. Its agents frequently help homeowners, landlords, and renters find policies that cover them against unexpected misfortunes, such as fires, flooding, and theft. The agents also explain policies to their clients so they know what's covered and assist in filing 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.
4.6
Yelp
4.5 / 5 (25)

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
Yvonne Kendall - State Farm Insurance Agent logo
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Yvonne Kendall - State Farm Insurance Agent

1361 South Winchester Boulevard, San Jose, CA 95128
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  • Multiple Policy Types

Business Description

Yvonne Kendall is a State Farm insurance agent who has been licensed to serve individuals, families, and small business owners in the Santa Clara metro area for more than 17 years. Many of Ms. Kendall's clients have been homeowners looking for policies that will cover them against the costs of unexpected disasters, such as structural damage caused by storms, liability claims from neighbors and visitors, and replacement costs for valuable personal items.

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.
4.6
Yelp
4.5 / 5 (34)

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
Back to Providers

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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