Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in West Covina

Our Recommended Top 8

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 West Covina 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.

69Reviewed

44Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

306 South Lemon Avenue, Walnut, CA 91789

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
4.3 (24)

Why choose this provider?

Lily Hoa State Farm Insurance Agency has extensive experience in the insurance agency. Providing its clients with homeowners insurance, as well as auto and business insurance policies, the team at this agency strives to help clients obtain the best coverage to suit their needs. Policy bundling is offered, and this agency also offers an array of other coverage options. That includes Medicare, life, and pet insurance. Service is available in English, Chinese, Vietnamese, and Korean.

  • Multiple Policy Types

Attorney Information

Attorney NameBar StatusExperience
Lily Hoa - OwnerActive10 yrs

136 1/2 South Glendora Avenue, West Covina, CA 91790

Expertise.com Rating

Review Sources

Google
5.0 (55)

Why choose this provider?

Fortune Insurance Agency is an independent agency serving West Covina. The company has insurance agents with over 30 years of combined experience in protecting clients and their assets. It offers homeowners' insurance policies that are tailored to fit the client's needs, whether it is for the house, its contents, or in the case of disasters. The company also offers auto insurance. Fortune Insurance Agency represents Gerber Life, Blue Shield of California, L.A. Care Health Plan, and Foremost Insurance Group.

  • Renter's Insurance
  • Multiple Policy Types
  • Earthquake

819 South Glendora Avenue, West Covina, CA 91790

Expertise.com Rating

Review Sources

Google
3.8 (8)
Yelp
5.0 (1)

Why choose this provider?

El Monte Insurance Agency is a locally-owned company that serves families in West Covina and the surrounding areas. For more than 33 years, this agency has been providing homeowners with insurance options such as condo insurance, hazard insurance, mobile home insurance, and specialty home insurance. It also offers full coverage for renters. The team at El Monte Insurance Agency represents several insurance carriers, including Foremost Insurance Group, Mercury Insurance Group, Progressive, and Safeway Insurance.

  • Condos
  • Multiple Policy Types
  • Flood

11022 Winners Circle, Los Alamitos, CA 90720

Expertise.com Rating

Why choose this provider?

Alandale Insurance Agency provides homeowners with reliable insurance policies. Serving those in the West Covina metro area, this agency has been selling policies to protect clients' financial health since 1928. Coverage may include medical liability insurance, as well as add-ons such as flood and earthquake insurance. Alandale Insurance Agency works with an array of top carriers. That includes Farmers and Foremost Insurance Group. Other insurance products it sells include pet, specialty business, and umbrella insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

1345 Center Court Drive, Covina, CA 91724

Expertise.com Rating

Review Sources

Google
4.9 (55)

Why choose this provider?

PTL Insurance Brokers provides homeowners insurance policies for clients in West Covina and its nearby communities. This team of agents helps clients find the best rates from top providers across the state. In addition to home insurance, it also sells auto, health, life, and umbrella insurance policies. Carriers represented by PTL Insurance Brokers include Farmers, Foremost Insurance Group, and Mercury Insurance. This agency is licensed to sell insurance throughout California.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

500 North Azusa Avenue, West Covina, CA 91791

Expertise.com Rating

Review Sources

Google
4.9 (199)
Yelp
5.0 (44)

Why choose this provider?

Extra Insurance Services serves the West Covina area. For over 12 years, it has provided a wide range of insurance policies including homeowners', auto, life, and commercial business plans. The company can provide insurance coverage for different kinds of residences including houses, condos, mobile homes, apartment complexes, and other free-standing homes. Depending on the client's needs, its insurance plans cover the home's structure, its contents, and disasters such as floods or earthquakes.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

5414 Walnut Avenue, Irvine, CA 92604

Expertise.com Rating

Review Sources

Yelp
4.0 (8)
Google
5.0 (5)

Why choose this provider?

Topco Insurance Agency Inc. offers insurance products for families and individuals in West Covina and throughout its nearby communities. This agency helps clients to find the best possible rate for coverage that sufficiently covers the value of their homes. In addition to home insurance, it also sells coverage for vehicles, businesses, and healthcare costs. Service is available in English or Chinese. Topco Insurance Agency Inc. is licensed to sell insurance throughout California.

  • Fire
  • Personal Property Insurance

260 East Rowland Street, Covina, CA 91723

Expertise.com Rating

Review Sources

Google
4.9 (10)

Why choose this provider?

Armor Insurance Services Inc. is an insurance agency that was founded in 1992. It provides insurance solutions to individuals, families, and businesses in West Covina and the surrounding areas. It has a homeowners' insurance policy that will help settle claims involving damages to a home. Losses resulting from fires, theft, or other events are also covered. This specific type of policy also includes coverage for living expenses, medical expenses, and liability.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

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.
  • What are the different kinds of homeowners insurance in West Covina?

    Below are the typical homeowners insurance policies available to residents of West Covina:

    • Basic: Offers coverage for common issues like vehicle damage, theft, and dwelling damage from natural disasters.
    • Special form: An open-peril policy that covers almost everything except specified exclusions in the policy.
    • Broad damage: Protects against falling objects, accidental water overflow, sudden damage, and most plumbing problems. This typically covers personal property and dwelling.
    • Comprehensive: Offers the broadest range of hazard protections and high-value personal property coverage.
  • How can you find affordable homeowners insurance in West Covina?

    When looking for homeowners insurance in West Covina, you have the option to reach out to multiple companies and speak with their agents regarding the services they provide, how they handle claims, and the coverage options available. To generate a quote, the agent will require information about you and your home. You'll have a decent notion of which company offers the finest coverage at your preferred price by requesting quotes from several agents.

  • What instances fall outside the coverage of standard homeowners insurance in West Covina?

    West Covina's standard homeowners insurance has exceptions. Here are a few:

    • Earthquakes: This necessitates an extra policy involving its own deductible and added premiums, offering protection against earthquake-related damages.
    • Floods: You must purchase separate flood insurance coverage from a reliable insurer in your area, ensuring it covers both personal property and structural damage.
    • Fire: While most policies cover fire and smoke damage, consider buying standalone fire insurance for enhanced protection.
  • Is dog bite coverage included in homeowners insurance policies in West Covina?

    West Covina homeowners insurance covers dog bites. You're liable if your dog bites someone or destroys their possessions, and your homeowners' liability and medical coverage will cover costs if your insurance company deems your dog not dangerous. However, a history of biting or belonging to a 'dangerous breed,' such as American Pit Bulls, Dobermans, Chow Chows, German Shepherds, and Rottweilers, may result in claim denial.

  • What should you do if the cost of your insurance premium in West Covina has risen to two or three times its previous amount?

    If your West Covina insurance premium has tripled or doubled, consult an agent to explore new policies or modify your current one. Adjustments may involve decreasing coverage for personal belongings or additional structures, increasing your deductible, combining your home insurance with umbrella or auto policies to potentially reduce your premiums, and sharing proof of home improvements that lower wildfire risks with your insurer.

  • 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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