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Best Homeowners Insurance Agencies in Vista

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Aloha West Insurance logo
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Aloha West Insurance

2391 South Melrose Drive, Vista, CA 92081
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Aloha West Insurance is an insurance company located in Vista that has been in the industry for more than three decades. Since being founded in 1981, Aloha West Insurance's agents have helped customers get homeowners' insurance policies that suit their needs, regardless of which insurance carrier they're from. Aloha West Insurance also provides many other types of personal and commercial insurance, including umbrella policies that can cover most concerns and policies that cover specific losses and incidents only.

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 (15)
Facebook
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
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Detail
Alta Vista Insurance Agency logo
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Alta Vista Insurance Agency

1020 South Santa Fe Avenue, Suite K, Vista, CA 92084
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

Alta Vista Insurance Agency is a full-service insurance firm that has been providing financial relief to homeowners and businesses in Vista since 1978. The company assists homeowners and mortgage payers to secure financial protection for their homes and personal belongings against unfortunate events with a homeowners' insurance policy. Its licensed and independent brokers work with several carriers to create a customized policy that can cover structural repairs and rebuilds, as well as replacements for lost or damaged personal items. Other insurance products include auto, life, umbrella, and commercial 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.
4.7
Google
5.0 / 5 (21)
Facebook
4.8 / 5 (20)
Yelp
4.0 / 5 (12)

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
Amato Insurance logo
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Amato Insurance

2142 Industrial Court, Vista, CA 92081
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Condos

Business Description

Serving clients near Vista, Amato Insurance provides various insurance policies, including homeowners' insurance which can protect a home and any personal belongings inside. The independent insurance agency offers standard policies, broad form policies, special (or all-risk) policies, renters policies, condo policies, and older home policies. Each type offers different levels of coverage depending on the homeowner's needs. Amato Insurance also helps customers find personal or commercial auto insurance, boat and yacht insurance, business insurance, and workers' compensation 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.
4.3
Google
4.3 / 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
American Tri-Star Insurance Services Inc. logo
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American Tri-Star Insurance Services Inc.

902 South Santa Fe Avenue, Vista, CA 92084
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

American Tri-Star Insurance Services Inc. has been providing customized insurance solutions for residents and businesses in Vista and nearby areas for almost two decades. Founded in 2003, the company assists homeowners to obtain financial protection for their homes and personal investments against disasters and unforeseen perils. Its licensed agents create personalized policies that cover property repairs, lost or stolen personal valuables, medical fees and liabilities to others, and additional living expenses from temporary relocation. The company also handles all types of personal and business insurance plans in San Diego, Chula Vista, and National City.

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
5.0 / 5 (102)
Facebook
4.6 / 5 (10)

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
Gibbs Insurance Agency, Inc. logo
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Gibbs Insurance Agency, Inc.

3800 Oceanic Drive, Oceanside, CA 92056
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  • Condos
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Earthquake

Business Description

Gibbs Insurance Agency, Inc., carries business and personal insurance lines in Vista. Established in 1986, this independent insurance agency assists homeowners in obtaining adequate financial protection for their belongings and properties. Its home insurance products provide coverage for structural repairs due to damage from covered events, such as theft, fire, lightning, and explosions. Its insurance professionals inform clients of the inflation guard policy clause and guide them on the computation of replacement or extended replacement values for applicable financial compensation.

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
3.5 / 5 (6)
Google
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
Luke Dix - State Farm Insurance Agent logo
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Luke Dix - State Farm Insurance Agent

2424 Vista Way, Oceanside, CA 92054
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Luke Dix State Farm Insurance Agent serves clients in Vista and throughout its nearby communities. This agency is available five days a week to provide clients with insurance advice and claims assistance. It also accepts after-hours appointments upon request. Agent Luke Dix has been working with State Farm since 2008 and is licensed to sell insurance throughout California. Other lines this agency carries include auto, renters, business, life, and health 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
Yelp
4.0 / 5 (19)

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
Tague Insurance Agency logo
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Tague Insurance Agency

1365 West Vista Way, Vista, CA 92083
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

Business Description

Tague Insurance Agency caters to the insurance needs of homeowners and business property owners in Vista and the surrounding areas. Its homeowners' insurance policies provide financial protection for different types of homes, such as a house, apartment, or condominium. The common inclusions of the policy are property or dwelling coverage, personal liability coverage, medical coverage, and additional living expenses or loss of use. Optional coverages include landlord protection insurance and scheduled personal property coverage.

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 (3)
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.
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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