Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Sunnyvale

Our Recommended Top 9

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 Sunnyvale 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.

94Reviewed

60Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5201 Great America Parkway, Ste 320, Santa Clara, CA 95054
WebsiteLicense: 0I96531

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

GS Insurance Solutions is a California-based privately-held agency addressing the needs of businesses and individuals in Sunnyvale. Its team assists clients in obtaining personal insurance products, including contemporary, historic, and traditional homeowners' insurance, as well as renters' insurance programs. It also caters to corporate facilities, offering services such as health plan data analysis, plan design benchmarking and modeling, and employee benefits placement and support. The agency was established in 2014 and is a member of the Pacific Interstate Insurance Brokers (PIIB).

  • Multiple Policy Types
  • Homeowners

12280 Saratoga Sunnyvale Rd #112, Saratoga, CA 95070

Expertise.com Rating

Review Sources

Yelp
4.5 (12)
Google
5.0 (5)

Why choose this provider?

Village Insurance Services is an independent agency that has been serving Sunnyvale since 1969. Its homeowners' insurance secures clients from losses in case of theft, fire, vandalism, and other unexpected damages. Personal liability coverage applies if a guest is injured or their property is destroyed due to the client's neglect. Coverage is provided for the additional living expenses homeowners incur while living in temporary residences during a home repair. Village Insurance represents several policy carriers to ensure clients find the policy that best suits them.

  • Multiple Carriers
  • Multiple Policy Types

980 El Camino Real, Suite 350, Santa Clara, CA 95050
WebsiteLicense: 0L86736

Expertise.com Rating

Why choose this provider?

Alexandra Anderson operates a State Farm insurance agency that has been serving clients in Sunnyvale and nearby areas since 2004. She offers homeowners' insurance that provides coverage for homes and personal belongings in cases of unforeseen events. Alexandra also provides insurance products for automobiles, homes, properties, and businesses. For the past 17 years, her agency has been a consistent Ambassador and Honor Club qualifying office. It is also licensed to provide insurance services to clients in the states of Nevada and Arizona.

  • Homeowners

10011 N Foothill Blvd, Suite 111, Cupertino, CA 95014
WebsiteLicense: 0716139

Expertise.com Rating

Review Sources

Google
5.0 (35)
Yelp
5.0 (27)
Facebook
5.0 (14)

Why choose this provider?

Eva Martin-Long is a State Farm agent who provides clients in the Sunnyvale metro with various insurance assistance, including homeowner's insurance. With an experience of almost 35 years, she has been helping protect the futures of policyholders by assisting them with condo insurance, renters' insurance, life insurance, and business insurance. She also assists with commercial vehicle insurance, auto insurance, earthquake insurance, and paycheck protection. Martin is backed by a team consisting of new faces and insurance veterans with over two decades of experience.

  • Multiple Policy Types
  • Homeowners

20111 Stevens Creek Blvd, Suite 138, Cupertino, CA 95014
WebsiteLicense: 0N03833

Expertise.com Rating

Review Sources

Google
4.8 (138)
Yelp
4.8 (18)

Why choose this provider?

Preeti Sehgal is a State Farm insurance agent serving the Sunnyvale area. She provides a wide range of products, including homeowners' insurance, covering home damages, personal asset losses, and injuries sustained while on the premises. Auto, life, renters', earthquake, condo, and business insurance are among the additional services she provides. She also assists in matters relating to motorcycle/RV and pet insurance, banking, annuities, payroll protection, and a personal liability umbrella. Preeti is available to clients 24/7 to help them manage the risks of ordinary life.

  • Homeowners
  • Renters
  • Home Insurance

PO Box 2400, Sunnyvale, CA 94087
WebsiteLicense: 0609171

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Uni-Safe Insurance Services caters to clients in and around the Sunnyvale community. This agency offers both personal and small business insurance, including homeowners' insurance plans. It also provides townhouse, mobile home, renters', and auto and motorcycle insurance policies. The agency assists clients in finding the right coverage for their needs and budget, representing an array of insurance providers to offer them more coverage options. Its owner, Alan Moo, has been helping clients for more than 25 years.

  • Multiple Carriers
  • Multiple Policy Types

988 El Monte Ave, Mountain View, CA 94040
WebsiteLicense: 0F22244

Expertise.com Rating

Review Sources

Google
5.0 (151)
Yelp
4.0 (19)

Why choose this provider?

Gurbinder Mavi is a State Farm insurance agent serving Sunnyvale residents and businesses. He offers a selection of personal and commercial insurance products, such as homeowners', renters', and personal and commercial vehicle insurance. For homeowners' insurance, he assists clients in customizing their policies with things like additional personal liability coverage and life insurance policies as part of a bundled deal. Gurbinder and his staff are multilingual, holding fluency in English, Spanish, Portuguese, Hindi, Punjabi, and Indian.

  • Homeowners
  • Renters
  • Life Insurance

422 S Murphy Ave # 4, Sunnyvale, CA 94086
WebsiteLicense: 0H64852

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.3 (3)
Yelp
5.0 (3)

Why choose this provider?

Nelson/Nelson Insurance Services, LLC, is an independent agency that serves clients in Sunnyvale. It offers homeowners' insurance plans that provide coverage for homes and personal belongings affected by unforeseen events. The agency also provides insurance products for businesses and automobiles. It has formed partnerships with multiple insurance carriers, which allows it to offer coverage options that suit the needs and goals of clients. Nelson/Nelson Insurance Services, established in 1946, also provides consultations.

  • Renter's Insurance

20395 Pacifica Dr. Suite 108, Cupertino, CA 95014
WebsiteLicense: 0I71956

Expertise.com Rating

Review Sources

Google
4.9 (230)
Facebook
4.7 (17)
Yelp
4.0 (17)

Why choose this provider?

Jason Stefely responds to the insurance needs of the community of Cupertino and its surrounding metros, including Sunnyvale. Among the State Farm insurance products he offers include policies for homeowners, renters, and boat and motorcycle owners. Stefely has been a State Farm insurance agent since 2004 and is also a licensed agent in Oregon. In addition, he is a Chartered Financial Consultant. His agents and staff speak English and German and collectively have over 40 years of industry experience.

  • Homeowners

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.
  • What should senior adults consider before applying for homeowners' insurance policies in Sunnyvale?

    Senior adults in Sunnyvale who are looking for homeowners insurance should consider getting extra coverage for home modifications like wheelchair ramps, safety bars in bathrooms, activity monitoring systems, and stairlifts. They can choose an HO-5 policy to insure personal property against open perils and customize standalone policies such as identity theft, flood, and earthquake insurance. Senior adults in Sunnyvale who have valuable possessions, such as heirlooms and antiques, should consider purchasing scheduled personal property coverage to protect these items.

  • How much can an individual pay to attract a higher homeowners' insurance rate in Sunnyvale?

    In Sunnyvale, homes older than 40 years incur an additional premium of $34, while those older than 50 years incur an additional premium of $63. Pool owners may incur up to $79 in additional costs; however, installing a pool fence can result in discounts. The costs of homeowner's insurance policies in Sunnyvale increase by 44% based on the nature of claims; for example, homeowners with two fire claims incur an additional $552 fee, while those with two water claims incur an additional $440 fee.

  • Are ranches covered under the homeowners' insurance policies in Sunnyvale?

    Ranches in Sunnyvale are covered by homeowners insurance policies, but only to a certain extent. Ranches covered by this policy must be a separate structure from the policyholder's home, have up to 20 acres, and produce livestock, raw crops and vegetables, and fruits with gross receipts of no more than $10,000. Most Sunnyvale insurers, on the other hand, advised ranch-owners to purchase additional liability coverage to protect tools and supplies, chemical drift, and animal collision.

  • Can an individual list an additional insured under a homeowners' policy in Sunnyvale?

    Yes, homeowners' insurance policyholders can name someone as an additional insured as long as they own the insured property in Sunnyvale. An additional insured can be a person, such as a spouse, co-investor, or sibling, or an organization, such as banks and mortgage lenders. The homeowners' policy in Sunnyvale covers these additional parties, who have the right to file claims and protect their financial investment in the property.

  • Will a homeowners' insurance policy replace a destroyed property in Sunnyvale?

    A homeowners' insurance policy in Sunnyvale can only replace a total loss property if it is a replacement cost value policy. This policy is limited to the cost of rebuilding, repairing, and replacing the destroyed property, less physical depreciation. Some Sunnyvale replacement cost value policies, on the other hand, do not cover building code updates, are not a substitute for guaranteed replacement cost, and may pay policy limits and a percentage above it.

  • 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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