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Best Homeowners Insurance Agencies in Santa Monica

2023

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Website
214 Pier Avenue, Santa Monica, CA 90405
  • Personal Property Insurance

Why choose this provider?

Byron Galindo - State Farm Insurance Agent is a licensed homeowners insurance broker in Santa Monica. Mr. Galindo joined State Farm in 2017, and he provides policies for homeowners, renters, and apartment building owners. Customers can obtain policy information and make payments through the agency's online portal, and Mr. Galindo offers separate policies for earthquakes and flooding. Along with homeowners policies, the agency's products include auto, business, 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.
4.8
Google
5.0 / 5 (11)
Yelp
4.5 / 5 (9)
Facebook
5.0 / 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

Website
23161 Ventura Boulevard, Woodland Hills, CA 91364
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Gaspar Insurance Services is an insurance broker in Santa Monica offering customized policies and plans for homeowners. Customers can message agents and obtain quotes through the company's online portal, and the business networks with an expansive group of carriers to allow for rate and coverage level comparisons. In addition to homeowners insurance, Gaspar Insurance Services offers commercial risk policies and worker's comp insurance for business owners, life insurance, and disability and long-term care plans.

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
4.9 / 5 (86)
Yelp
4.5 / 5 (64)
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

Website
1019 Gayley Avenue, Los Angeles, CA 90024
  • Multiple Policy Types

Why choose this provider?

Odette Aghabegians - State Farm Insurance Agent is a fully licensed insurance broker based in Santa Monica with a primary focus on homeowners and renters' policies. Ms. Aghabegians has over two decades of marketing experience, and she assists homeowners with securing plans that provide coverage for property damage and loss following fires, acts of vandalism, and other disasters. The agency offers separate policies for earthquakes, as well as customized bundle packages, and its additional products include 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.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (7)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
24007 Ventura Boulevard, Calabasas, CA 91302
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Founded in 1986, Landecker Insurance Services is a local agency that helps individuals, families, and businesses in Santa Monica and surrounding areas obtain the right insurance coverage. It offers home insurance packages that cover property damages and legal responsibility for any injuries to other people caused by family members or pets. For added peace of mind, homeowners can purchase two separate insurance policies for earthquakes and floods. Landecker Insurance also has comprehensive insurance plans for automobiles, condos, and health.

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 (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
16055 Ventura Blvd Ste 540 Encino , CA 91436, Encino, CA 91436
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Serving customers in Santa Monica, Americal Insurance is a family owned and operated insurance company that offers homeowners policies with various levels of coverage. The business partners with well-known carriers to allow customers to compare rates and choose plans based on home size and specific coverage needs. Its homeowners policies typically cover damage and destruction to dwellings, personal property loss, and living expenses when homes are temporarily unlivable, and the agency provides additional policies for disasters such as earthquake damage and flooding.

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
Yelp
4.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
16200 Ventura Boulevard, Encino, CA 91436
  • Earthquake
  • Flood
  • Fire

Why choose this provider?

Based in Santa Monica, United Direct Insurance Services, Inc. is a full-service insurance broker that handles homeowners and property policies. It offers separate polices for floods and earthquakes, and the agency's standard homeowners plans generally cover property damage due to smoke and fires, personal liability for injuries that occur on policyholder's property, and coverage for damage and loss from theft and vandalism. United Direct Insurance Services' additional products include commercial auto, business, and business umbrella 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 (175)
Yelp
5.0 / 5 (112)
Facebook
5.0 / 5 (8)

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
13160 Mindanao Way, Marina del Rey, CA 90292
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Based in Santa Monica, Jaffe Insurance Agency is a professional insurance provider offering homeowners policies for single-family homes, condos, and townhomes. The company's agents assist clients with obtaining general dwelling policies to cover expenses due to damage from fires, vandalism, and injuries that occur on homeowner property. Separate policies are required in California for flooding and earthquakes, and the agency offers umbrella insurance plans to fill in gaps and offer extra liability protection.

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
Yelp
4.5 / 5 (49)
Facebook
5.0 / 5 (6)

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
8150 Beverly Boulevard, Los Angeles, CA 90048
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

PALM is an insurance agency based in Santa Monica that offers tailored homeowners insurance plans for single-family homeowners and condo owners. The company's website features an online calculator for quick quotes, and policies are customized to meet customers' specific coverage needs and budgets. Current customers can log into PALM'S secure portal to access policy information, and the company's additional products include worker's compensation, general liability, professional liability, and group medical insurance.

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5955 De Soto Avenue, Suite 250, Woodland Hills, CA 91367
  • Multiple Policy Types

Why choose this provider?

Founded in 1987, The Liberty Company Insurance Brokers is an award-winning agency near Santa Monica that focuses on helping people find the right insurance coverage. It has decades of experience designing personalized home insurance plans for homeowners, apartment renters, and farmers. The brokers offer high-value insurance for protecting fine art, jewelry, and collectibles against disasters and theft. The Liberty Company also provides peace of mind by insuring automobiles, motorcycles, boats, and motorhomes.

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
19755 Vanowen Street, Winnetka, CA 91306
  • Flood
  • Earthquake

Why choose this provider?

Serving the Santa Monica metro area, Cal-Best Palmas Insurance Agency is a full-service firm that handles homeowners policies. The company offers traditional homeowners policies that provide coverage for liability, property damage, and property loss, and its agents assist with add-ons and umbrella policies to eliminate gaps and cover damage from earthquakes and floods. Additionally, the agency provides bundled packages that include auto, home, umbrella, and earthquake insurance into a single policy.

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
Yelp
4.0 / 5 (5)
Google
4.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
16542 Ventura Boulevard, Encino, CA 91436
  • Earthquake
  • Multiple Policy Types
  • Flood
  • Fire

Why choose this provider?

Serving clients in Santa Monica, e360 Insurance Services is a full-service insurance agency offering homeowners and renter's insurance policies. The company partners with carriers such as Nationwide and GeoVera to help customers find cost-effective plans with various levels of coverage, and it offers a secure online tool for quick quote requests. The agency's homeowners policies typically cover property damage and personal liability, and separate add-on policies are available for earthquake and flood damage.

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
Yelp
4.5 / 5 (43)

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
15260 Ventura Boulevard, Los Angeles, CA 91403
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Syndicated Insurance Agency is comprised of independent agents near Santa Monica who provide clients with a variety of insurance options from leading insurance carriers. It reviews existing home insurance policies to design a package with more options and coverage for homeowners, renters, and landlords. The agency offers business insurance plans for coverage of general liabilities, worker's compensation, and group benefits. Other insurance policies provided by Syndicated Insurance include automobile, life, Medicare, and travel.

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
Facebook
4.0 / 5 (6)
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6404 Wilshire Boulevard, Los Angeles, CA 90048
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

The licensed agents at MIS Insurance Services LLC specialize in tailoring insurance policies for homeowners, condo owners, and renters. Its agents have helped clients who required insurance because their lenders demanded it and those who wanted coverage in case of a disaster, such as a flood or a burglary or a liability claim from a visitor. MIS Insurance Services LLC also specializes in auto insurance for individuals and businesses and workers' comp 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 (2036)
Yelp
5.0 / 5 (90)

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
3415 South Sepulveda Boulevard, Los Angeles, CA 90034
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

Why choose this provider?

Germani Insurance Services, Inc. is a Santa Monica insurance agency offering homeowners policies. The business provides coverage plans that include coverage A dwelling, coverage B other structures, coverage C personal property, and coverage D loss of use and additional living expenses. Additional policies are available for earthquake and flood damage, and the company offers umbrella insurance plans to help customers avoid gaps in coverage. Potential customers can request quick quotes via a secure online portal, and the company also handles business insurance and Medigap policies.

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 (34)
Yelp
4.5 / 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
18464 Sherman Way, Los Angeles, CA 91335
  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Founded in 2012, Rapid Insurance is an independent brokerage that finds the best products from major insurers for residential and commercial clients in California and Arizona. Its services include tailoring home insurance policies from the products of one or more carriers to ensure its clients get the coverage they need with premiums within their budgets. Rapid Insurance also specializes in auto, motorcycle, and trucking insurance, and a wide range of insurance products for businesses.

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
4.7 / 5 (122)
Yelp
4.5 / 5 (117)
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
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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.

  • Is homeowners insurance legally mandatory in Santa Monica?

    Although homeowners insurance is not legally mandatory in Santa Monica, it is often required by lenders and mortgage companies. You may be required to carry homeowners insurance as part of the requirements when you have a mortgage or home loan. You may have to consider the coverage you need to protect your investment and belongings when choosing a homeowners insurance policy.

  • What may not be covered in homeowners insurance policies in Santa Monica?

    Homeowners insurance policies in Santa Monica may not cover flood damage, earthquake, power failure, wear and tear, and nuclear hazards. Loss caused by faulty zoning, defective workmanship, and faulty construction materials are not covered by homeowners insurance. However, they can be purchased in a separate, stand-alone insurance policy. It could be necessary to carry a separate insurance policy if you live in a high-risk area and you still have a mortgage.

  • Is it difficult to get homeowners insurance in Santa Monica?

    It could be difficult to get homeowners insurance policies in Santa Monica and other parts of California due to inflation, catastrophic weather conditions, and other economic factors. Homeowners may have fewer options as some carriers withdrew from the insurance market of California. Additionally, insurance carriers increased their rates to cope with losses.

  • Who regulates homeowners insurance in Santa Monica?

    The California Department of Insurance is the state-based insurance authority that oversees homeowners insurance companies in Santa Monica. It also provides licensing to agents and brokers, resolves consumer complaints, conducts market reviews, and investigates insurance fraud. The department also enforces the insurance laws of California and regulates insurers and licensees.

  • What is the grace period for homeowners insurance in Santa Monica?

    If your homeowners insurance policy in Santa Monica covers a property located in an affected area in the event of a state of emergency, the insurer must provide a grace period of 60 days for payment of insurance premiums. This is in accordance with the California Insurance Code and directed to insurance companies that provide coverage including property, life, health, and auto insurance.

  • 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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