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Best Homeowners Insurance Agencies in Upland

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Cardenas Insurance Services logo
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Cardenas Insurance Services

863 N 3rd Pl, Upland, CA 91786
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  • Multiple Policy Types

Business Description

Cardenas Insurance Services, Inc., is a full-service insurance brokerage company that has been serving the Upland metro area since 2005. The firm provides homeowners insurance policies that can protect the homes, personal belongings, and family members against disasters and unfortunate events. Its homeowners policy covers physical structure damages, lost or stolen personal items, as well as dog bite and injury liabilities. It also extends to mobile and manufactured homes, CBS and frame houses, condos, townhouses, and other resident homes. Other offerings include personal, commercial, and employee benefits insurance 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.
4.3
Google
4.7 / 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
H2 Insurance Services logo
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H2 Insurance Services

150 East Meda Avenue, Glendora, CA 91741
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Condos

Business Description

H2 Insurance Services serves the needs of residents in Upland. The agency offers various insurance policies including home insurance. It protects clients who live in homes, condominiums, or apartments. Its team creates home insurance policies that include dwelling coverage and personal property coverage. Personal belongings insured in standard policies are electronics, furniture, and clothing. Homeowners may also add coverage for valuable possessions such as art and antiques. The team at H2 Insurance Services has over 70 years of combined 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.
4.2
Facebook
5.0 / 5 (11)
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
Holt Insurance Agency, Inc. logo
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Holt Insurance Agency, Inc.

10700 Jersey Boulevard Suite #230, Rancho Cucamonga, CA 91730
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Holt Insurance Agency, Inc., is a Rancho Cucamonga-based business that serves the Upland area. Included in its product line is home insurance which may include liability protection and medical expenses coverage. Its team of agents can also furnish home insurance policies that cover personal property losses that involve electronics, jewelry, and guns. They provide protection plans for owners of high-value residences, beach homes, and vacation properties. Holt Insurance Agency was established by Wendy Holt two decades ago.

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
Facebook
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
Kessler Alair Insurance Services logo
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Kessler Alair Insurance Services

2335 W Foothill Blvd #3, Upland, CA 91786
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  • Earthquake
  • Personal Property Insurance
  • Flood
  • Fire

Business Description

Kessler Alair Insurance Services works with clients in the Upland area. Its agents help homeowners to select and obtain insurance policies that cover them financially in case of theft, vandalism, unexpected accidents, and disasters. This independent agency works with a variety of carriers. That includes Progressive, Safeco Insurance, and Liberty Mutual. In addition to home insurance, it also sells auto and life insurance policies. Kessler Alair Insurance Services is a member of the Insurance Agency Network.

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 (168)
Yelp
5.0 / 5 (81)

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
Nick Mazzanti - State Farm Insurance Agent logo
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Nick Mazzanti - State Farm Insurance Agent

1407 West Foothill Boulevard, Upland, CA 91786
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Nick Mazzanti State Farm Insurance Agent serves clients in Upland and throughout its nearby areas. This agency strives to help its clients find the best State Farm products to cover them in case of accidents, disasters, or other problems that result in damage to their home or loss of the contents kept inside. Agent Nick Mazzanti has been working with State Farm for more than 15 years and has qualified for a variety of honors and awards.

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.
3.8
Google
3.7 / 5 (9)
Yelp
4.0 / 5 (8)

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
Sumner Insurance Services logo
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Sumner Insurance Services

140 North Benson Avenue, Upland, CA 91786
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  • Multiple Policy Types

Business Description

Serving the Upland area, Sumner Insurance Services addresses clients' financial protection needs, like home insurance. Its team offers standard homeowners' insurance policies that cover replacement costs, liability, personal belongings, and the physical structure of a home. The professionals also help homeowners acquire specialty coverage that provides protection from earthquakes and floods. They also insure homeowners' valuable possessions such as jewelry. Sumner Insurance Services has created over 75,000 policies since its establishment in 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.
4.5
Google
4.6 / 5 (776)
Facebook
5.0 / 5 (157)

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
Thrifty Insurance Services, Inc. logo
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Thrifty Insurance Services, Inc.

306 North Mountain Avenue, Upland, CA 91786
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake

Business Description

Thrifty Insurance Services, Inc. serves the insurance needs of individuals and businesses. Based in Upland, the agency offers a wide range of personal insurance products including home insurance. It helps homeowners protect their properties and belongings from events such as fires and theft. The insurance professionals also create customized policies that may cover home business occupancies as well as valuable possessions such as jewelry and art. Some of Thrifty Insurance Services, Inc.'s partner carriers are Kemper, MetLife, and Travelers.

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
4.3 / 5 (45)

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
Westlane Insurance Services Inc logo
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Westlane Insurance Services Inc

8350 Archibald Ave, Rancho Cucamonga, CA 91730
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Westlane Insurance Services Inc. is a Rancho Cucamonga-based agency that serves individuals and businesses in the Upland area. Included in its personal line of products are home, renters, motorcycle, and car insurance. Furthermore, the independent company specializes in truck insurance, covering dry vans, box trucks, reefers, and auto haulers. The company has access to policies from different carriers, allowing it to provide coverage options that will match clients' needs. Westlane Insurance Services has been in operation for over a decade.

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
Yelp
5.0 / 5 (4)
Google
3.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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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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