Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Santa Clarita

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 Santa Clarita 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.

101Reviewed

63Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

22940 Lyons Avenue, Santa Clarita, CA 91321

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
3.0 (2)
Yelp
3.0 (2)

Why choose this provider?

Huntington Pacific Insurance Agency provides a wide range of insurance for various needs of individuals in Santa Clarita. One of the insurance it offers is home insurance coverage, which helps clients earn financial protection in case of theft, fire, vandalism, and hail. It can also cover the expenses for medical treatment of guests who get injured while inside the policy holders' properties. The company also has policies that cover valuables like guns and jewelry in special situations.

  • Renter's Insurance
  • Flood
  • Fire

23929 Valencia Boulevard, Santa Clarita, CA 91355

Expertise.com Rating

Review Sources

Google
4.9 (29)
Yelp
5.0 (25)
Facebook
5.0 (18)

Why choose this provider?

Lucas Insurance Services provides insurance coverage for homeowners in Santa Clarita to protect them from too much financial loss in the event of a disaster or theft. The company serves individuals, families, and businesses by providing auto insurance, business insurance, general liability insurance, contractor insurance, and workers' compensation insurance. The company's agents also provide 401K rollovers, IRA distribution planning, IRA rollovers, SR22 insurance, and Uber and Lyft insurance, and can customize and combine different coverages depending on the client's need.

  • Renter's Insurance
  • Flood
  • Fire

28310 Roadside Drive, Agoura Hills, CA 91301

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Yelp
5.0 (6)

Why choose this provider?

LYNX Insurance Agency specializes in finding the best policies from several of the country's most respected carriers for its residential and commercial clients. The independent agency has years of experience tailoring home insurance policies for homeowners, condo owners, and renters. Its services include analyzing its clients' coverage needs, fully explaining the policy so they know what they're getting, and assisting them if they have to make a claim. The LYNX Insurance Agency also specializes in special event insurance.

  • Renter's Insurance
  • Earthquake

18978 Soledad Canyon Road, Santa Clarita, CA 91351

Expertise.com Rating

Review Sources

Google
4.9 (274)
Yelp
4.5 (126)
Facebook
4.9 (116)

Why choose this provider?

Henry Rodriguez offers State Farm's homeowners' insurance to clients in Santa Clarita and its surrounding areas. The company's home insurance policies cover repair and replacement costs incurred by damage caused by theft, fires, or vandalism, as well as selected natural disasters, including lighting, wind, or hail. It also covers damage from faulty home systems, whether burst or frozen pipes or tearing in HVAC systems, as well as selected personal belongings such as keepsakes, hobby items, and gardening or housing equipment.

  • Renter's Insurance

28005 Smyth Dr 140, Valencia, CA 91355

Expertise.com Rating

Review Sources

Facebook
4.9 (45)

Why choose this provider?

Shepard Insurance Agency offers personal and commercial insurance coverage to clients in Santa Clarita. The company has been in operation since 1945 and has since diversified its policies to various needs. It offers homeowners' insurance policies to clients wanting to protect their properties from untimely mishaps such as natural disasters, theft, vandalism, and fires. The company also offers homeowners' liability insurance, which covers accidents that might happen to guests within the client's property.

  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance

24801 Pico Canyon Road, Santa Clarita, CA 91381

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

QuoteBroker Insurance Services is an independent insurance brokerage firm based in Santa Clarita. Its professional agents coordinate with trusted insurance carriers to help clients find policies that align with their needs and budget. Aside from offering standard homeowners' policies, they can also accommodate condominium owners to acquire policies required by their condo associations. QuoteBroker Insurance Services provides business and personal insurance, including renters insurance, business owners policies, professional liability, and group health.

  • Flood
  • Condos
  • Renter's Insurance

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.
  • How much is homeowners insurance in Santa Clarita?

    Homeowners insurance policies in Santa Clarita will cost you around $1,551 every year or $129 per month. The annual figure is approximately 38% lower than the national average, which is pegged at $2,282. Keep in mind that home insurance rates are not the same for all houses and that the price points are likely to change over time.

  • What factors affect the rates of home insurance policies in Santa Clarita?

    The rates of homeowners insurance policies in Santa Clarita vary from one home to another due to a number of factors. For starters, the size and age of your property are some of the first things to consider. These factors also determine the amount of coverage you need, eventually influencing the policy's price point. Where your house is located or the ZIP code and your credit score are other factors that affect home insurance rates.

  • What is the difference between home insurance and a home warranty in Santa Clarita?

    Home insurance policies in Santa Clarita cover financial losses in case of theft, burglary, fire, and certain types of accidents and water damage. On the other hand, a home warranty is a separate contract for coverage of incidents or items where home insurance does not apply. Usually, home warranties cover repairs and replacements of items often subject to wear and tear.

  • Who regulates homeowners insurance in Santa Clarita?

    The California Department of Insurance (CDI) oversees the insurance industry throughout the state, including Santa Clarita. It was established in 1868 as the federal government was creating insurance regulatory functions per state. Included in the CDI's functions are conducting market reviews, licensing agents and brokers, investigating insurance fraud, and resolving client concerns.

  • Are Santa Clarita homeowners required to have home insurance?

    No. Under California laws, which Santa Clarita follows, homeowners are not required to insure their homes. However, most lenders, if you are paying your house on a mortgage, would require their clients (the homeowners) to get home insurance coverage. This is to ensure that the property is protected from financial loss in case something unexpected occurs, such as burglary or a natural disaster.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.