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Best Homeowners Insurance Agencies in Santa Maria

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California Star Insurance Service Inc logo
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California Star Insurance Service Inc

2236 South Broadway, Santa Maria, CA 93454
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  • Multiple Policy Types

Business Description

The Santa Maria branch of California Star Insurance Service Inc. has many licensed insurance agents who have significant experience in helping their personal and business clients find policies that suit their coverage needs. The independent agents regularly find home insurance products that are within their clients' budgets and cover them against major disasters, such as fires, and other bad events, such as theft. The agency also specializes in 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.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 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
Coast Auto Insurance logo
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Coast Auto Insurance

121 North Broadway, Santa Maria, CA 93454
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  • Condos

Business Description

Coast Auto Insurance is an independent agency located in Santa Maria since 1986. Its areas of expertise include finding the best home insurance products from a wide range of respected carriers and tailoring policies to meet the needs and budgets of its clients. Its agents also specialize in renters insurance and umbrella policies that can protect clients from catastrophes that their other policies may not cover. Coast Auto Insurance's additional areas of expertise include 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.
4.6
Google
5.0 / 5 (8)
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
eagleserviceins.com logo
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eagleserviceins.com

830 West Main Street, Santa Maria, CA 93458
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  • Condos
  • Multiple Carriers

Business Description

Eagle Service Insurance is a broker based in Santa Maria that can source a wide range of residential and commercial insurance products from major companies, such as Progressive and Nationwide. Its home insurance services include helping clients identify their coverage requirements, finding products from one or more carriers that meet those needs, and ensuring clients understand their policies before they sign. The brokerage also specializes in auto, business, and special event 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.
4.7
Facebook
5.0 / 5 (12)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hometown Insurance Services, INC. logo
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Hometown Insurance Services, INC.

2255 South Broadway, Santa Maria, CA 93454
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  • Fire
  • Multiple Policy Types

Business Description

Hometown Insurance Services, Inc. is a California insurance agency serving clients in the Santa Maria area. It specializes in comprehensive homeowners' insurance policies, covering disasters on top of the standard policy. The agents are detail-oriented and fully-trained to answer any queries from clients. It also offers a wide variety of life and health insurances, vehicle insurances, business and commercial insurances, and farm and ranch insurances. Hometown Insurance Services has been providing insurance solutions and products for over 13 years.

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
5.0 / 5 (22)
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
Julio's Auto Insurance logo
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Julio's Auto Insurance

1954 S Broadway b, Santa Maria, CA 93454-7887
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  • Multiple Policy Types

Business Description

Julio's Auto Insurance Agency, Inc., is an insurance firm in Santa Maria that focuses on individual insurance policies, including homeowners' coverage. The company assists single-family homeowners in financially protecting their homes and personal belongings against disasters, accidents, and other perils. Its agents provide customized solutions from several carriers that best serve each client's situation. Other insurance products they provide include auto, recreational vehicle, life, business, commercial, and SR22. The company also handles notary public services and DMV registrations in Massachusetts.

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.
4.7
Google
4.7 / 5 (212)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Neff & Associates Insurance Services logo
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Neff & Associates Insurance Services

310 James Way, Pismo Beach, CA 93449
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  • Flood
  • Condos
  • Renter's Insurance

Business Description

Neff & Associates Insurance Services is a locally owned and operated brokerage that's been serving residential and commercial clients in the Santa Maria metro area for many years. Its brokers have access to a wide range of home insurance products offered by some of the nation's leading insurance carriers. The brokers can tailor products to create policies that meet the coverage needs and premium expectations of each client. They can also discuss health and life 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
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
Helpfulness
Detail
Rob Railsback - State Farm Insurance Agent logo
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Rob Railsback - State Farm Insurance Agent

300 James Way, Pismo Beach, CA 93449
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  • Personal Property Insurance

Business Description

Rob Railsback is a State Farm insurance agent who has been helping homeowners and renters get the coverage they need since opening his agency in 2014. Mr. Railsback is licensed to tailor State Farm's home insurance products, advise clients on additional coverage, such as replacing particularly valuable items, and discuss coverage they might not have considered, such as living expenses if they have to vacate their homes. He also specializes in life and health 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.
4.7
Google
4.3 / 5 (6)
Facebook
5.0 / 5 (6)
Yelp
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
stokesinsurance.com logo
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stokesinsurance.com

2162 Via Ventana, Santa Maria, CA 93458
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Stokes Insurance Agency is a Santa Maria-based insurance company. It has a wide range of insurance products in its lineup, including homeowners' insurance. The homeowners' insurance it offers to its clients covers property damage, personal liability, and medical payments coverage. The property damage coverage includes damage to the home and personal belongings, such as furniture, clothing, and television. It also includes damage to other structures that are not attached to the house, like tool sheds or detached garages.

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
5.0 / 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
Vandenberg Insurance Agency logo
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Vandenberg Insurance Agency

3875 Constellation Road, Lompoc, CA 93436
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Vandenberg Insurance Agency is a full-service independent brokerage that can access the products of more than 30 of the country's leading insurers. Many of its clients are homeowners with one or more properties and renters, both looking for policies that can protect them against major disasters and unfortunate events, such as overflowing appliances. The brokers can also provide unbiased advice on additional coverage for increased risk of liability claims and the replacement costs of 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
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
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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