Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Turlock

Our Recommended Top 7

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 Turlock 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.

45

Reviewed

29

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
208 5th Street, Gustine, CA 95322
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Rico, Pfitzer, Pires, & Associates sells homeowners insurance policies to clients in and around the Turlock metro area. This agency can assist clients whether they need to purchase coverage for their homes only or protect additional structures and highly valuable items. Its agents can answer questions that clients have about available policies and work with them to create policies that best serve their needs. Condo, rental property, and renters insurance options are available. Rico, Pfitzer, Pires, & Associates insures farms too.

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
Facebook
4.7 / 5 (35)
Google
4.9 / 5 (13)
Yelp
4.0 / 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
1929 Mitchell Road, Ceres, CA 95307
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Loren Poulson, State Farm Insurance Agent, has been active in the industry since 2016 and it can advise clients on a range of matters. Mr. Poulson's office sells homeowners insurance and provides full coverage options so that clients can protect themselves if their homes, personal items, or other valuable assets are damaged or destroyed. Its policies can also protect against lawsuits filed by injured guests. Loren Poulson, State Farm Insurance Agent, sells business and life insurance products as well.

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 (14)
Facebook
5.0 / 5 (8)
Yelp
4.5 / 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

Website
2907 North Tegner Road, Turlock, CA 95380
  • Multiple Carriers

Why choose this provider?

Royal Insurance Agency offers insurance options for individuals, families, and business owners in and around Turlock. Its agents recommend the most stuitable homeowners' insurance policy from one of the several insurance carriers that the company represents. The policy provides financial security in case of home-related financial losses due to a range of incidents and disasters. The agents, who have 20 years of experience in the industry, are fluent in English and Punjabi.

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 (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
801 Geer Road, Turlock, CA 95380
  • Fire
  • Personal Property Insurance

Why choose this provider?

GDI Insurance Agency Inc. works with clients to help them purchase insurance coverage for their homes and the belongings kept inside of them. Agents are available to inform clients on the implications of coverage options and help them officially purchase said coverage from trusted carriers. These agents also deal with any problems involving insurance agreements and act as middlemen when clients need to file claims with insurers. Life insurance and automobile insurance policies are offered too.

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 (54)
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

Website
600 East Main Street, Turlock, CA 95380
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Western Valley Insurance offers personal and commercial insurance solutions to clients in areas around Turlock, Crescent City, and Los Banos. The agents help homeowners and renters find an insurance policy that will compensate for the repair and replacement of private residences and personal properties that are damaged or destroyed in accidents or disasters. The policy also provides liability protection in case of someone getting injured on the client's property. Established in 1969, the company is now celebrating its 50th year in the 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.
4.8
Google
4.8 / 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
1065 Colorado Avenue, Turlock, CA 95380
  • Multiple Policy Types

Why choose this provider?

insureCAL Insurance Agency is an independent agency based in Turlock that serves 25 states throughout the western US. It offers insurance and risk management solutions to individuals and businesses. This agency also offers custom coverage for homeowners' insurance, which includes personal liability and protection against disasters. Clients can also obtain the benefits of combining auto and home insurance. The friendly and knowledgeable professionals at this agency can assist in ranch, farm, life, and agribusiness 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 (37)

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
2851 Geer Rd Suite E, Turlock, CA 95382
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Earthquake

Why choose this provider?

Tom Michael Insurance Agency is an insurance broker that offers the sale and service of personal and commercial insurance options to clients in Turlock and the surrounding communities. The agents cater to both new clients looking for home insurance quotes and existing policyholders requesting a policy change on their accounts. The services for existing homeowners' insurance policyholders include lien holder's requests, property loss claims, and requests for evidence of insurance. The company has been in the industry for over 50 years.

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
4.1 / 5 (15)

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.
  • Can participation in Turlock's neighborhood watch programs lead to reduced homeowners' insurance premiums?

    Participating in Neighborhood Watch programs or other community-focused safety initiatives in Turlock can result in potential discounts on homeowners' insurance rates. Given the combined efforts to deter crime and improve neighborhood safety, such participation indicates a lower risk associated with the property. Aside from detecting suspicious behavior, these programs frequently provide valuable resources such as security enhancements, which further reduce risks, potentially lowering insurance costs.

  • Are homeowners in Turlock legally required to have minimum home insurance?

    Contrary to California's auto insurance laws, Turlock residents are not subject to any specific home insurance regulations from the state. In essence, homeowners choose the appropriate levels of coverage, possibly taking into account homeowner's, earthquake, or flood insurance. People must evaluate and select coverages that best meet their individual needs.

  • What does the personal liability section of a homeowners' insurance policy in Turlock cover?

    The personal liability section of a homeowner's or renter's policy in Turlock protects residents from potential legal responsibilities resulting from accidents or injuries on their property. This includes bodily harm, such as a visitor tripping, as well as personal damages, such as libel. It also includes damage to another's property, such as damaging a neighbor's fence. In addition, the policy assists with lawsuit defense costs and may provide premises medical coverage for guest injuries that do not require litigation.

  • How can Turlock homeowners address the depreciation values applied by insurance adjusters during a claim?

    Insurance depreciation in Turlock lacks a standardized guideline and is based on an adjuster's assessment. To counteract this, homeowners should consider an item's condition, age, and expected lifespan. While paint degrades over time, foundational materials like studs retain their value. If residents have a replacement cost policy, they can use purchase receipts to potentially recoup lost value from insurance claims.

  • 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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