Expertise.com

Best Homeowners Insurance Agencies in Temecula

2024

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Providers

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Website
40395 Winchester Road, Temecula, CA 92591
  • Flood
  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Countryside Insurance Agency is an independent firm in Temecula that covers a wide service area in California and Arizona. It provides homeowners with customizable insurance products that protect their dwellings and personal belongings. It focuses on helping clients by educating them of lesser-known processes that can increase the coverage of their homeowners' policies. It also educates them about the areas not covered by their insurance to prevent them from running into unexpected problems in the future. The firm also offers umbrella insurance and specific programs for auto, health, and life.

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 (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
33321 Temecula Parkway, Temecula, CA 92592
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Carver Insurance Services, Inc., has been offering insurance services for small businesses and individuals in Temecula and the surrounding areas since 2004. This insurance agency offers homeowners' insurance solutions to safeguard clients' homes from unexpected events. Its team of insurance agents also provides other insurance options covering general liability, commercial property, life and health, and automobile. Founder Diana Carver is a second-generation insurance agent who has more than 25 years of experience.

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 (39)
Yelp
4.5 / 5 (22)
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
43950 Margarita Road, Temecula, CA 92592
  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Why choose this provider?

Insurance All Stars is a family owned and operated full-service insurance agency headquartered in Temecula. It has been providing clients in the area with personal and commercial insurance services since 2015. Tena Caracciolo, the owner, has been serving the Temecula Valley with her insurance expertise for over 30 years. Aside from personal and commercial insurance products, it also offers policy coverage assessments and one-on-one strategy meetings. Moreover, the family-owned agency represents companies, such as Safeco, Stillwater, Kemper, Nationwide, Travelers and several more A+ rated carriers. The Agency is a recipient of the Temecula Valley Chamber of Commerce Bronze Business of the Year award in 2019.

License Verified:

License: 0K11180

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.
4.3
Facebook
4.0 / 5 (18)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
43446 Business Park Drive, Temecula, CA 92590
  • Flood
  • Condos
  • Multiple Policy Types
  • Multiple Carriers
  • Earthquake

Why choose this provider?

Hatter, Williams & Purdy Insurance protects homes and families in Temecula and the neighboring communities. This homeowners' insurance agency offers coverages for both attached and detached structures. It covers the clients' property for damages caused by fires, natural calamities, theft, and vandalism. The agency also protects the contents of a client's home, including all the personal belongings. There is a personal liability coverage as well when the client or a family member is legally responsible for an injury. Hatter, Williams & Purdy Insurance has been serving the community since 1947.

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 (13)

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
43015 Black Deer Loop, Temecula, CA 92590
  • Earthquake
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Old Harbor Insurance Services is an independent insurance agency serving the needs of customers in Temecula and nearby regions. It offers a wide range of personal and commercial insurance policies, including life and homeowners' insurance. The company's homeowners' insurance policies can cover the dwelling, personal property, and other structures from damage due to fire, wind, lightning, and vandalism. It also has personal liability coverage to protect the company's clients from liability due to injury or damage caused to other people.

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 (265)
Facebook
5.0 / 5 (18)
Yelp
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
29379 Rancho California Road, Temecula, CA 92591
  • Condos
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake

Why choose this provider?

Keck Insurance is an insurance agency serving the Temecula area. Founded by husband-and-wife, Dan and Dodie Keck, the company has been in the business for over 32 years. It caters to homeowners looking for insurance policies to protect their homes, whether it is a condo, mobile home, or rental property. The company offers policies that cover potential disasters such as earthquakes and floods. It also offers coverage for theft, fires, vandalism, and falling objects.

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.
4.3
Google
4.2 / 5 (10)
Yelp
4.0 / 5 (10)
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
31205 Pauba Road, Temecula, CA 92592
  • Multiple Policy Types

Why choose this provider?

Jerrod Novodoczky State Farm Insurance Agent has been serving customers across the Temecula area since 2010. He caters to the insurance needs of homeowners by providing them with coverage that includes their properties as well as prized possessions such as keepsakes and electronics. Mr. Novodoczky is a member of the Temecula Rotary and the Murrieta and Temecula Chamber of Commerce. Clients can obtain a no-obligation insurance rate comparison free of charge.

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
Yelp
4.5 / 5 (17)
Google
4.8 / 5 (16)
Facebook
5.0 / 5 (16)

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
27710 Jefferson Ave Suite 100, Temecula, CA 92590
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Strachota Insurance Agency, Inc. is a Temecula-based company providing various insurance products for families and individuals in the area. Established in 1931, it seeks to help homeowners mitigate the minor and major risks that can cause damages to their property and affect their finances. The independent agents at this firm coordinate with a network of reputable insurance carriers to obtain policies that suit a client's needs and budget. They can also assist with business, and 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.
4.9
Google
5.0 / 5 (82)
Yelp
3.5 / 5 (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

Website
27300 Jefferson Avenue, Temecula, CA 92590
  • Renter's Insurance
  • Condos

Why choose this provider?

Rick Douglas is a State Farm insurance agent operating in Temecula. Since 1983, he has been providing clients with homeowners' insurance to pay for unexpected repairs. He helps them customize their policies to cover flooding, earthquakes, or theft of special items. He also helps them plan out their budget for replacement and medical injury coverage. Rick and his team have over 100 years of combined experience in the insurance industry.

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 (44)
Yelp
4.0 / 5 (19)
Facebook
3.5 / 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

Website
43094 Vía Dos Picos Ste B, Temecula, CA 92590
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Freeway Insurance is an insurance agency in Temecula. It was founded in 1987 and became a part of the Confie family of companies in 2008. The agency currently has 2,000 employees who provide insurance policies to customers. Its homeowners' insurance helps compensate for losses to the home and the belongings inside it. It also protects homeowners from personal liability and financial losses brought by disasters like storms, hail, fire, and theft.

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.
4.3
Google
4.4 / 5 (81)
Yelp
4.0 / 5 (25)

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
27290 Madison Avenue, Temecula, CA 92590
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Earthquake

Why choose this provider?

Fadaie Insurance Services, Inc. has been providing insurance options to residents and business property owners in Temecula and the surrounding areas since 2006. Its homeowners' insurance policies protect the client from financial losses in the unfortunate event of disasters, such as fire and storms, and in the case of damage to property and personal belongings due to theft and vandalism. The policies also include personal liability such as legal protection against dog bite claims.

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 (153)
Facebook
5.0 / 5 (38)
Yelp
5.0 / 5 (21)

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

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 expensive or cheap in Temecula?

    Homeowners’ insurance in Temecula, and in California in general, is relatively cheap. The annual premium for home insurance policies in the city is around $1,069 for a $200,000 coverage and $1,449 for a higher coverage of $300,000. On the other hand, the statewide average is $1,380—the second least expensive nationwide.

  • What discounts are commonly available to homeowners seeking insurance in Temecula?

    Multi-policy discounts are often available to homeowners. This applies to those who bundle their home insurance policy with another product, like auto insurance. Residents of Temecula can get deals if they have specific equipment installed in their homes, such as burglar alarms, fully automatic sprinkler systems, and water leak detection devices. Non-smoking households and first-time homeowners may also qualify for discounts.

  • How can joining a Neighborhood Watch program in Temecula impact your homeowners’ insurance?

    Since the Neighborhood Watch program aims to prevent crime and promote community safety, it can help reduce the average cost of homeowners' insurance in Temecula in the long run. Joining this program can give you access to home improvement resources, including security and lighting installations, as well as a potential discount on your premium. Contact the local crime prevention office at 951-506-5132 if you are interested to form or join a Neighborhood Watch in your area.

  • What add-ons should you consider when purchasing homeowners' insurance in Temecula?

    Consider getting additional coverage for natural disasters since Temecula has a history of seismic activity. There is a 75% chance of a magnitude-7.0 earthquake occurring in Temecula and Riverside County, which is located near the San Jacinto and San Andreas faults. You can also purchase add-ons for green energy systems, including solar panels and batteries, to cover damage from catastrophic events.

  • Will your premium decrease if you choose to pay a $4,000 deductible to your homeowners' insurance policy in Temecula?

    Your homeowners' insurance premium should generally go down if you pay a higher deductible. Policyholders usually pay an average deductible of $500; thus, opting for a $4,000 deductible in Temecula might make a big difference in your monthly or yearly insurance costs. That said, your premium can still be affected by other factors, such as your credit score and the size and age of your house.

  • 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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