Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Union City

Our Recommended Top 5

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 Union City 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.

47Reviewed

30Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
24479 Mission Boulevard, Hayward, CA 94544
  • Multiple Policy Types

Why choose this provider?

First Avenue Insurance Services Inc. is an independent insurance agency that provides insurance solutions to clients in the Union City metro. It offers tailored homeowners' insurance packages that protect clients from financial distress in times of accidents, disasters, and other hazards. Its policies cover entire dwelling properties and their detached structures, personal properties, and the homeowner from accident and injury liabilities. Unexpected losses damages such as vandalism and theft are also covered by its plans.

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2140 Peralta Blvd STE 103, Fremont, CA 94536
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Nam Int'l Insurance Services Inc. provides personal and business insurance solutions for clients in Union City and the rest of the region. The team of agents helps clients choose the right homeowners' insurance policy to safeguard their assets in case of financial losses or damages due to disasters. The agents also guide clients through the process of acquiring insurance as part of the requirement for a mortgage. The company represents multiple insurance carriers such as Safeco, Allied, Travelers, and Hartford.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
Union City, CA
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Atlantic Bay Insurance Services LLC is an independent insurance solutions agency that offers financial protection plans to clients in the Union City metro. The company provides homeowners' insurance policies that protect homes and other valuable properties from fire damage, natural disasters, theft, vandalism, and other mishaps. Since the policy is offered as a package, it includes homeowners' liability protection from accidents or injuries that might happen to guests inside the property.

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 (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
5765 Valley Avenue, Pleasanton, CA 94566
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Zulien Morales, State Farm Insurance Agent, is active in the Union City metro area and handles homeowners insurance-related needs for clients. Agent Zulien Morales has been with State farm since 2000 and has considerable experience consulting clients about homeowners insurance and helping them to purchase policies and make claims. Her team also handles any issues that clients have with their policies and helps them to make changes. Small business insurance is available here.

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

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
31080 Union City Boulevard, Union City, CA 94587
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Gill Financial & Insurance Services aims to provide financial protection for families in and around Union City. It helps clients safeguard their homes and belongings through customizable policies. It offers a variety of coverage options, including the family dwelling, personal possessions, and personal liability coverages for the client and their family. The agency also has provisions for the client if the damage to their home requires temporary relocation. Manjit Gill, the founder of Gill Financial & Insurance Services, has been in the insurance business since 1993.

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 (8)
Yelp
5.0 / 5 (3)

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.
  • How does Union City's location impact homeowners' insurance rates?

    Union City, which is close to the Hayward Fault, could have higher homeowners' insurance rates, particularly for earthquake coverage. If homeowners do not have earthquake insurance, they may find themselves financially responsible for the expenses associated with repairing their homes and replacing their possessions in the aftermath of a significant earthquake.

  • What's the difference between replacement cost and actual cash value in homeowners' insurance in Union City?

    The difference between replacement cost and actual cash value in Union City homeowners' insurance relates to how your policy provides compensation for property damage in the event of a covered incident. While both types of coverage help with the costs of repairing your home or replacing damaged items following a covered loss, actual cash value policies consider depreciation, whereas replacement cost coverage calculates reimbursement without factoring in depreciation when determining the amounts.

  • Can you rent out your home on platforms like Airbnb in Union City under your homeowners' insurance policy?

    Typically, homeowners' insurance policies do not provide coverage for the business use of your property in Union City, which includes short-term rentals. To adequately protect your property, you may need to get short-term rental insurance. This insurance can be obtained as an add-on to your existing homeowners' policy or through companies offering dedicated short-term rental insurance policies.

  • What happens if you fail to maintain your property and it leads to a homeowners’ insurance claim in Union City?

    In Union City, homeowners' insurance is primarily meant for addressing unforeseen damages, not issues that could have been avoided through routine upkeep. Neglecting property maintenance can result in situations where certain problems are excluded from your insurance coverage. For instance, insurance typically covers sudden damage from a burst water pipe. However, a claim related to a roof leak that you neglected to repair might be declined because you did not take measures to prevent the damage.

  • Can a home insurance company in Union City cancel your policy for filing too many claims?

    Yes. If you have submitted several claims within a short timeframe, your home insurance provider in Union City might opt to terminate your policy. This is because insurance companies often view homeowners who have a track record of filing numerous claims as riskier to insure.

  • 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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