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Best Homeowners Insurance Agencies in Tracy

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AAA -  Tracy Branch logo
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AAA - Tracy Branch

2102 West Grant Line Road, Tracy, CA 95377
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  • Multiple Policy Types

Business Description

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)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Anderson Services & Insurance Solutions, LLC. logo
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Anderson Services & Insurance Solutions, LLC.

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

Business Description

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
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
Avantika's Insurance Agency logo
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License Verified:

License: 6002128

California Department Of Insurance

Avantika's Insurance Agency

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

Business Description

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.
4.8
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hashimi Insurance Agency, Inc. logo
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Hashimi Insurance Agency, Inc.

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

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
M3 Monagan Miller McCreary Insurance Agency logo
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M3 Monagan Miller McCreary Insurance Agency

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

Business Description

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)

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
Omar Ziad logo
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License Verified:

License: 0M17043

California Department Of Insurance

Omar Ziad

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

Business Description

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.
4.4
Google
4.0 / 5 (36)
Teresa Clutter Insurance Services logo
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License Verified:

License: 0E50327

California Department Of Insurance

Teresa Clutter Insurance Services

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

Business Description

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.
4.9
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
Wyatt Insurance Agency logo
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Wyatt Insurance Agency

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

Business Description

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
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.

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