Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Visalia

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 Visalia 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.

80Reviewed

50Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1624 E Caldwell Ave, Visalia, CA 93292
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Mitchell Insurance Services provides financial coverage for homeowners in Visalia. The company offers policies to pay for any damages by fire, weather, and accidents to the house. Its agents speak with each client to identify additional coverage needs, such as for flooding and earthquakes. It also covers those who operate a business from their house, protecting them from any damages that would force income to stop or might result in the destruction of records. The company also offers farm and crop 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 (3)
Facebook
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

Website
2530 South Mooney Boulevard, Visalia, CA 93277
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Chavez Insurance Services is a multi-line agency that offers homeowners' coverage for clients in Visalia. Beyond covering damages sustained by homes, the company's insurance plans secure repair costs for dwelling and additional structures, select personal effects, and additional living expenses. Its offered policies also include liability protection and the medical expenses for parties injured on a client's premises. Chavez also counsels customers on the scope of home insurance and its recommended supplements, such as umbrella and auto 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
Facebook
5.0 / 5 (232)
Google
4.9 / 5 (42)
Yelp
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

Website
2336 West Sunnyside Avenue, Visalia, CA 93277
  • Renter's Insurance
  • Fire

Why choose this provider?

Carl Nelson Insurance Agency, Inc. is a full-service agency with an office in Visalia. The agency has been in the industry since 1977 and has on its roster over 25 employees who are well-trained and knowledgeable with various insurance products and services. Its insurance agents offer homeowners' insurance plans that protect properties from risks like theft, vandalism, accidental water damage, and personal liability. This coverage is available for vacation homes, residences, mobile homes, renters, and rental homes.

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
Facebook
4.0 / 5 (4)
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

Website
1132 North Ben Maddox Way, Visalia, CA 93292
  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake

Why choose this provider?

Su Casa Valley Insurance Services is a family-oriented independent insurance agency that serves the entire state of California, including Visalia. The agency's insurance experts assist clients with finding the right homeowners' insurance policies that fit their needs. These policies provide protection to their properties and valuables against loss or damage caused by unexpected events. They cover repair costs, liabilities, medical, and living expenses. Su Casa Valley Insurance Services also offers vacation home, condo, renters, and motor home 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.
4.9
Facebook
5.0 / 5 (224)
Google
4.0 / 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

Website
1114 North Ben Maddox Way, Visalia, CA 93292
  • Multiple Policy Types

Why choose this provider?

Interstate Insurance Center provides a variety of insurance coverages for clients throughout Visalia and the surrounding areas. Its team of insurance agents provides homeowners' insurance solutions to protect the client's house, belongings, and furniture in case of disasters and unexpected events. The professionals are also knowledgeable in renters, auto, motorcycle, boat, and business insurance coverages. Interstate Insurance Center represents insurance companies, such as Bluefire Insurance, Aegis Security Agency Company, and Alliance United Insurance Company.

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
4.7 / 5 (14)
Facebook
3.0 / 5 (3)
Yelp
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
4142 South Demaree Street, Visalia, CA 93277
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire

Why choose this provider?

Central Sequoia Insurance & Financial Services LLC provides a wide range of insurance products from its Visalia location. Its agents assist clients in several areas, including homeowners' insurance. They insure various types of homes such as mobile homes on acreage, secondary homes, seasonal resident homes, and frame houses. The company also provides home insurance policies that cover storm, wind, and fire damage. The other personal insurance products of the agency include flood, renters', and classic car 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.
4.7
Google
4.8 / 5 (33)
Facebook
5.0 / 5 (16)
Yelp
2.0 / 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

Website
1932 West Sunnyside Avenue, Visalia, CA 93277
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Mota Insurance Agency is a family-owned and -operated business servicing Visalia residents since 1995. It offers homeowners' insurance that covers damaged or destroyed homes with personalized coverage quality service. A checklist of cleaning projects, available on the website, can help maintain the value of a home and save money in the future. The independent insurance agency represents a number of different companies, including American Strategic Insurance, MAPFRE Insurance, Wright Flood, and Pacific Specialty. Mota Insurance Agency also offers umbrella insurance that provides additional liability protection.

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
Google
4.4 / 5 (20)
Yelp
1.0 / 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

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.
  • Do Visalia homeowners who implement fire safety measures qualify for discounts on their policies?

    Some insurance companies reward policyholders in Visalia who install particular fire safety equipment, including smoke detectors, fire alarms, and fire extinguishers, in their homes with incentives or discounts. This is a result of the California Department of Insurance ordering insurance providers doing business in the state to provide discounts on residential property insurance premiums when customers take actions to reduce wildfire risks.

  • Can Visalia residents file a complaint against their homeowners insurance providers?

    Residents of Visalia who want to file a complaint against their insurance company or find out more about their rights as policyholders may be able to get assistance from the California Department of Insurance. On the department's official website, one can find tools like a house insurance search engine and a list of businesses that offer policies with different conditions.

  • Is a visual inspection of a house necessary before homeowners insurance is issued in Visalia?

    While not always mandatory, a visual inspection of properties in Visalia be beneficial for insurance companies to determine the appropriate coverage for individuals. Particularly for older residences or those that haven't been assessed in a decade, insurance providers might find it necessary to perform a home inspection to identify risk indicators.

  • Does home insurance plans in Visalia include coverage for wildfires?

    Wildfires are generally covered by home insurance plans in Visalia. However, it's important to review the specifics of a policy and potentially consider additional coverage if someone lives in a wildfire-prone area since high-risk locations have significantly higher premiums. In certain circumstances, insurance companies won't provide home insurance in areas where wildfires occur frequently.

  • Is homeowners insurance in Visalia able to cover flood damage?

    Typical home insurance policies in Visalia do not include protection against flood-related damage. It is essential for homeowners to think about additional protection in the form of flood insurance because California is prone to flooding in a number of different places. The National Flood Insurance Program or private insurance companies are the two options available to homeowners for purchasing flood insurance.

  • 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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