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Best Homeowners Insurance Agencies in Santa Rosa

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Aslan Insurance Agency, Inc logo
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License Verified:

License: 0B14510

California Department of Insurance

Aslan Insurance Agency, Inc

2455 Bennett Valley Rd 103C, Santa Rosa, CA 95404
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  • Earthquake

Business Description

Aslan Insurance Agency, Inc is an independent agency serving clients in Santa Rosa and surrounding areas. It offers a variety of insurance types, including homeowners', farm, construction, automobiles, and workers' compensation. Its homeowners' insurance covers unexpected damages such as guest injuries, theft, vandalism, fires, and floods. It also has medical coverage and liability protection. With over 30 years of experience, Aslan has a team of agents with extensive knowledge in providing insurance services.

License Verified:

License: 0B14510

California Department of 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 (6)
Facebook
5.0 / 5 (3)
Yelp
3.0 / 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
Auto Saver Plus Insurance logo
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License Verified:

License: 0F51739

California Department of Insurance

Auto Saver Plus Insurance

620 Sebastopol Road, Santa Rosa, CA 95407
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  • Multiple Policy Types

Business Description

Auto Saver Plus Insurance is a family-owned company that provides several insurance solutions to clients in Santa Rosa. Its homeowners' insurance offers financial protection against disasters, mitigating losses resulting from fire, theft, and vandalism. The policy also includes liability protection, for when guests get injured within the property. Its founder, Noelia Hernandez, helps clients assess and select policies from the several insurance companies that Auto Saver Plus Insurance represents—including Nationwide, American Modern, and Progressive.

License Verified:

License: 0F51739

California Department of 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.
4.2
Google
4.0 / 5 (17)
Yelp
5.0 / 5 (4)
Facebook
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
Erika Novoa logo
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License Verified:

License: 6005527

California Department of Insurance

Erika Novoa

800 Mendocino Avenue Suite 1, Santa Rosa, CA 95401
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  • Multiple Policy Types
  • Homeowners
  • Life Insurance
  • Home Insurance
  • Auto Insurance

Business Description

Erika Novoa is a Santa Rosa-based State Farm insurance agent. She and her staff help individuals and families shop for and acquire insurance products tailored to their circumstances, such as homeowners', renters', and automobile insurance. They also assist in acquiring additional coverage for the client's desired insurance policies, like extra personal liability coverage and pet medical policies for homeowners' insurance. Novoa has over 15 years of industry experience. She employs staff fluent in English and Spanish.

License Verified:

License: 6005527

California Department of 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 (83)
Yelp
4.5 / 5 (11)
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
Fulcrum Point logo
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License Verified:

License: 0J16763

California Department of Insurance

Fulcrum Point

509 1/2 4th Street, Santa Rosa, CA 95401
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  • Earthquake
  • Fire
  • Flood

Business Description

Fulcrum Point offers clients in the Santa Rosa metro home insurance. The insurance company reviews policies for every change in a family's life, determining risks and liabilities. It offers coverage for clients' homes to help minimize costs in emergencies, protecting both homes and families. Michael A. Hyman and Dale Miller also provide and assist clients with auto insurance, business insurance, and surety. The company was founded by entrepreneurs with over five decades of enterprise experience.

License Verified:

License: 0J16763

California Department of 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 (1)
Facebook
5.0 / 5 (1)
Jared Soukup logo
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License Verified:

License: 0H39864

California Department of Insurance

Jared Soukup

1207 College Ave., Santa Rosa, CA 95404
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  • Renters
  • Multiple Policy Types
  • Multiple policies

Business Description

Jared Soukup is an insurance agent who offers non-life insurance products to homeowners situated in Santa Rosa. The products he offers include home insurance policies, in addition to coverage for automobiles, properties, health, and pets. He also offers life insurance contracts. The agent has 18 years of experience with insurance claims. Soukup also has banking and mutual fund offerings for investors. He is also fluent in Spanish, allowing him to converse and negotiate with migrant clients.

License Verified:

License: 0H39864

California Department of 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 (89)
Facebook
4.7 / 5 (22)
Yelp
5.0 / 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
Kathy Crim logo
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License Verified:

License: 0A54498

California Department of Insurance

Kathy Crim

4777 Sonoma Highway, Santa Rosa, CA 95409
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Business Description

Kathy Crim is a State Farm agent who offers home insurance products and has over 20 years of experience in the industry. Serving near the Santa Rosa area, the provider is also engaged in mutual funds and banking products. She helps her clients secure their retirement money through annuities. Kathy Crim also offers her clients life, health, pet, business, and property insurance policies. She is also bilingual as she speaks Spanish and English.

License Verified:

License: 0A54498

California Department of 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
4.8 / 5 (8)
Yelp
4.5 / 5 (7)
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
Marina Associates logo
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License Verified:

License: 0622305

California Department of Insurance

Marina Associates

4918 Sonoma Hwy, Ste C, Santa Rosa, CA 95409
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  • Multiple Policy Types

Business Description

Marina Associates is a family-owned and family-operated independent insurance agency in Santa Rosa. It provides clients with insurance policies to protect their homes and personal belongings. It also offers homeowners policies that cover exposure to liability risks. The company's full line of insurance coverages includes protection plans for auto, boats, professional and general liability, and individual and group health. It has been handling the insurance needs of individuals and businesses for more than 50 years.

License Verified:

License: 0622305

California Department of 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
Yelp
5.0 / 5 (2)
Google
5.0 / 5 (1)
RCU Insurance Services logo
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License Verified:

License: 0D91054

California Department of Insurance

RCU Insurance Services

1205 N Dutton Ave., Santa Rosa, CA 95401
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  • Renter's Insurance
  • Condos
  • Multiple Policy Types

Business Description

RCU Insurance Services is serving the Santa Rosa area. Its agents provide a wide range of risk protection products, including homeowners' insurance. This type of policy covers damage to the physical home and its linked structures caused by fire or storm, visitor accidents, and expenditures associated with temporary relocation. Vehicle, business, life and AD&D, and pet insurance are among the company's other products. Payment protection and special event insurance are also offered. The company, a subsidiary of Redwood Credit Union, offers services in both English and Spanish.

License Verified:

License: 0D91054

California Department of 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.
4.5
Yelp
4.5 / 5 (52)
Facebook
5.0 / 5 (9)
Google
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
Valley West Insurance Services logo
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License Verified:

License: 0G50640

California Department of Insurance

Valley West Insurance Services

1630 Sebastopol Rd #102, Santa Rosa, CA 95407
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  • Homeowners
  • Home and Auto Insurance

Business Description

Valley West Insurance Services is an independent agency that offers an array of insurance plans to Santa Rosa residents. It assists homeowners in getting coverage for their properties and liabilities by sourcing homeowners' insurance packages. Its agents guide clients in choosing the most suitable policy for their budget and needs. The locally-owned business also offers property insurance, a plan which may include fire, earthquake, and homeowners' insurance. Other insurance policies offered are auto, vacation, and business insurance.

License Verified:

License: 0G50640

California Department of 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 (192)
Yelp
5.0 / 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
Vantreo logo
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License Verified:

License: 0K07568

California Department of Insurance

Vantreo

100 Stony Point Rd #160, Santa Rosa, CA 95401
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  • Multiple Policy Types

Business Description

Vantreo provides insurance options for clients in the Santa Rosa metro seeking coverage for their homes. The company offers home insurance that protects the home and properties against costs related to the homeowners' inability to utilize the home. Liability protection is part of the homeowners' insurance, with coverage for expensive items such as furs, jewelry, and collections included. Vantreo offers insurance for auto, business, and worker's compensation. Lynne Wallace serves as the company's president.

License Verified:

License: 0K07568

California Department of 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
Google
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
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.

Read all FAQs