Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Tracy

Our Recommended Top 8

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 Tracy 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.

57Reviewed

37Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
18 West 11th Street, Tracy, CA 95376
  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Located in Tracy, Anderson Services & Insurance Solutions, LLC. helps clients in Tracy and nearby areas. One of the company's services is insuring owner-occupied and investment properties to help clients get the most of their savings. The company offers insurance for condominiums, homeowners, manufactured and mobile homes, and renters. It also has coverage for builder's renovation, high brush units, course of construction, and vacant properties. Aside from dwelling insurance, Anderson Services & Insurance Solutions provides other services like auto, commercial, and dental 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 (7)
Facebook
5.0 / 5 (5)
Google
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
2102 West Grant Line Road, Tracy, CA 95377
  • Multiple Policy Types

Why choose this provider?

AAA is an insurance agency with a branch in Tracy that offers insurance solutions for auto, home, life, and business needs. The agency offers homeowners' insurance policies that cover expenses related to the repair or replacement of a property, other structures within the property, and contents inside the property in the event of damage or disaster. The policies also cover valuable items such as jewelry and high-valued personal properties (hobby equipment, art, and musical instruments).

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.
4.4
Google
4.5 / 5 (195)
Yelp
3.5 / 5 (30)

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
1071 East Yosemite Avenue, Manteca, CA 95336
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Renter's Insurance

Why choose this provider?

Wyatt Insurance Agency specializes in auto and home insurance solutions for clients in Tracy and the neighboring areas. The home insurance policies are available for both homeowners and renters and can cover properties such as standard houses, rentals, farm and ranch, and manufactured homes. The coverage options include damages and financial losses due to fire, lightning, hail, windstorm, frozen pipes, and theft. The insurance policy also covers liability protection. The company has been in the industry since 1991.

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
4.6 / 5 (18)

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
2420 Garrett Court, Tracy, CA 95377
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Avantika's Insurance Agency is an independent insurance company in Tracy committed to providing clients the best coverage at the best value. It provides a wide range of services that cover home, auto, health, life, and natural disasters. It maintains a commercial customer service center that assists clients in several areas, such as insurance policy viewing, insurance ID card printing, contact information updating, and downloading of documents. Avantika's Insurance Agency partners Allstate, Main Street America Insurance, and Safeco.

License Verified:

License: 6002128

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 (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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
2219 North Tracy Boulevard, Tracy, CA 95376
  • Multiple Policy Types

Why choose this provider?

Hashimi Insurance Agency, Inc., works with different insurance carriers, including Allstate, Allianz, and Kemper, to provide comprehensive insurance solutions in Tracy. Its insurance agents carry homeowners' insurance products and educate clients on the insurance process. They help in assessing possible risks and guide homeowners on applicable coverage types, such as home repairs, whether the damage is due to random acts or natural disasters. Policyholders also receive compensation for losses from theft, vandalism, and liability 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
Yelp
5.0 / 5 (18)
Facebook
5.0 / 5 (13)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1486 West 11th Street, Tracy, CA 95376
  • Homeowners

Why choose this provider?

Omar Ziad is an insurance broker at State Farm Insurance who serves clients in Tracy and surrounding localities. He assists individuals and families in acquiring a homeowners insurance policy that can adequately protect their homes, belongings, and loved ones in times of peril. Some of the common coverages he offers include dwelling, other structures, personal property, personal liability, and high-value property. He also offers insurance policies for condos, rental properties, renters, and manufactured homes. Omar is fluent in Arabic, Spanish, and Tagalog.

License Verified:

License: 0M17043

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.
4.1
Google
4.0 / 5 (36)
Yelp
4.0 / 5 (14)
Facebook
5.0 / 5 (6)

Website
400 12th Street, Modesto, CA 95354
  • Renter's Insurance
  • Fire
  • Flood
  • Homeowners

Why choose this provider?

For the past 14 years, Teresa Clutter Insurance Services has been helping individuals and families in Tracy to secure their homes, belongings, and loved ones with a homeowners insurance policy. The company provides a variety of coverage options, including dwelling, personal property, and personal liability coverage. It also offers insurance plans for high-value homes, renters, and vacant properties. Other offerings include auto, commercial auto, and contractors insurance. Its staff has over 20 years of combined experience in insurance.

License Verified:

License: 0E50327

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.
4.8
Google
5.0 / 5 (26)
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

Website
1137 Adam St Suite B, Tracy, CA 95376
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Monagan Miller McCreary Insurance is an agency that works to address the home insurance needs of residents in the Tracy area. Known as M3 Insurance, the firm helps clients prevent financial ruin and secure coverage for damages or losses resulting from fires and other covered incidents. The agency also assists homeowners in obtaining financial protection for personal items, liabilities, medical expenses, and high-value assets such as artworks, jewelry, and collectibles. M3 Insurance has been in the industry since 1956.

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 (12)
Facebook
5.0 / 5 (5)
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

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 is the typical insured amount for homes in Tracy?

    In Tracy, California, the average insured amount for homes is approximately $402,700. This figure represents the typical coverage homeowners secure to protect their residences. Note that this amount can depend on factors such as the size and value of the property, its location, and the specific insurance needs of individual homeowners.

  • What are the possible discounts can you get for homeowners' insurance in Tracy?

    Tracy homeowners have access to several insurance discounts, including multi-policy discounts for bundling home and auto insurance, secure home discounts for safety features like alarms or residing in gated communities, claim-free discounts for those without prior claims, loyalty discounts for long-term customers, and home improvements savings for recent upgrades. Good credit and paying in full can also lower premiums. While paperless discounts are available from some carriers, they're less common with newer providers due to cost considerations.

  • Can you receive compensation for the loss of use of your home during repairs in Tracy?

    Yes. If your home becomes uninhabitable due to covered perils, such as damage from a fire or natural disaster, your homeowners' insurance policy may provide compensation for the loss of use of your home. This means that while your home in Tracy is undergoing repairs or replacement, your insurance can cover additional living expenses, including temporary housing costs, meals, and other necessary accommodations.

  • Are homeowners responsible for debris removal, and is it covered by their homeowners' insurance policy in Tracy?

    Yes, homeowners are typically responsible for debris removal on their property. Many homeowners' insurance policies in Tracy, California, include coverage for debris removal, but the extent of coverage can vary. It's important for homeowners to review their policy to understand the limits and conditions of this coverage. They may also inquire with local authorities about coordinated debris removal programs in case of natural disasters.

  • What steps should you take if you don't agree with the settlement offer from your homeowners' insurance company in Tracy?

    If you find yourself in disagreement with the settlement offer from your homeowners' insurance company, you can reach out to the claims manager to express your concerns and provide supporting documents. Additionally, consider contacting the California Department of Insurance for assistance through its toll-free hotline, as it can guide you in addressing insurance issues and may initiate a claims investigation. You may also contact your attorney to check your legal options.

  • 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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