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Best Homeowners Insurance Agencies in Vallejo

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Anixter & Oser, Inc logo
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Anixter & Oser, Inc

205 San Marin Drive, Novato, CA 94945
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  • Renter's Insurance
  • Flood
  • Condos

Business Description

Anixter & Oser Inc. is an insurance agency that's based in the Vallejo area. Its team of agents helps clients to obtain coverage for their homes in case of unexpected events such as fire, robbery, and natural disasters. Policies may also cover homeowners against liability in case a person is injured on their property. Other personal insurance products sold by Anixter & Oser Inc. include auto, life, business, and nonprofit insurance policies.

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
Yelp
4.5 / 5 (12)
Facebook
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
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Geoff Shepherd - State Farm Insurance Agent logo
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Geoff Shepherd - State Farm Insurance Agent

800 De Long Avenue, Novato, CA 94945
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  • Multiple Policy Types

Business Description

Geoff Shepherd State Farm Insurance Agent is available five days a week to help residents of the Vallejo area obtain homeowners insurance. Agent Geoff Shepherd works with his clients to determine which State Farm products are most appropriate for their needs and offers them several options to suit a range of budgets. In addition to home insurance, this agency also sells auto, life, renters, and hospital income insurance policies. Mr. Shepherd is licensed to sell insurance products throughout California.

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 (3)
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
Gilberto Pimentel - Farmers Insurance logo
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Gilberto Pimentel - Farmers Insurance

2631 Sonoma Boulevard, Vallejo, CA 94590
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Gilberto Pimentel is a Farmers Insurance agent serving clients in Vallejo. He specializes in personalized homeowners' insurance plans for clients in need of home insurance protection. He offers the Farmers Smart Plan Home program, which has three tiers of basic coverage—standard, enhanced, and premier, all of which are customizable depending on the needs of the client. He provides home insurance for traditional homeowners, condo owners, mobile home owners, specialty home owners, and vacant home owners. Gilberto has been in the industry for over eight years and caters to Spanish-speaking clients.

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
4.4 / 5 (25)
Yelp
1.0 / 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
Hindsight Insurance Services logo
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Hindsight Insurance Services

301 Georgia St Suite 323, Vallejo, CA 94590
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  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Hindsight Insurance Services carries life, property, and business insurance products in Vallejo. This company represents different insurance carriers, such as Zurich, Hagerty, and Guard Insurance Group, and helps clients search for applicable insurance plans. Its home insurance options cover losses or damages arising from properties and liabilities. Property coverages include home repairs, other structural works, and personal properties, with compensation limits for theft and specific items, like medals and banknotes. Homeowners also receive financial compensation for liability defense expenses.

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

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
Jeffrey Wong Insurance Agency logo
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Jeffrey Wong Insurance Agency

638 1st St c, Benicia, CA 94510
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  • Multiple Policy Types
  • Multiple Carriers

Business Description

Jeffrey Wong Insurance Agency is a locally-operated independent agency serving individuals, families, and businesses in the city of Vallejo and the surrounding areas. The agency works with a wide range of insurance companies, such as Nationwide Independent and Hartford Insurance, to ensure clients get the best options of homeowners' insurance coverage and policies. Its homeowners' insurance options include homeowners' liability, property, condo, and renters' insurance. In addition, Jeffrey Wong Insurance Agency also provides insurance for mobile homes, scheduled properties, landlords, and in-home businesses.

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
4.9 / 5 (16)

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
MCIA Insurance Services, LLC logo
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MCIA Insurance Services, LLC

1644 Tennessee Street, Vallejo, CA 94590
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

MCIA Insurance Services, LLC, provides insurance protection to homeowners and renters in Vallejo. Its team assists clients in creating custom home insurance policies that can address their needs. Some of the coverage options that the homeowners' insurance may include are personal belongings, structure, bodily injury lawsuits, and additional living expenses. As an independent agency, the company partners with various carriers such as Mercury Insurance Group and Alliance United Insurance Company. It also offers auto and commercial 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.
4.6
Google
4.5 / 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
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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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