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2024

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Best Homeowners Insurance Agencies in California

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored California 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.

22439Reviewed

13468Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Long Beach

Expertise.com Rating

Review Sources

Google
4.8 (22)
Yelp
4.4 (7)

Why choose this provider?

Galaxy Insurance Service Agent is a locally owned and operated business that serves both residential and commercial clients in California. It provides the best customized homeowners' insurance policies for a variety of coverage needs. Other types of insurance products that it offers include auto, life, and business insurance. Galaxy Insurance Service Agent has been in operation for more than two decades. The company is partnered with insurance carriers such as Safeco Insurance, Travelers, and Progressive.

Irvine

Expertise.com Rating

Why choose this provider?

Steven Wang, a second-generation agent, leads an office that is among the top 50 of the 19,000 State Farm agencies nationwide. He provides the best homeowners' insurance plans to his clients in California. The personal and commercial lines of insurance that he offers also include policies for cars, pets, health, and businesses. Wang has been working in the industry for more than two decades. He has team members who are fluent in Mandarin Chinese and Taiwanese.

Santa Clara

Expertise.com Rating

Review Sources

Google
5.0 (166)
Yelp
4.7 (58)

Why choose this provider?

Alexandra Anderson has been offering State Farm homeowners' insurance policies to individuals in California and surrounding communities since 2004. She proposes personalized homeowners' protection plans that may cover appliances and furniture, collectibles, and jewelry and other keepsakes. Other insurance products she offers protect life, health, pets, cars, renters, and properties. In addition, Alexandra also provides assistance with matters that involve banking, home loans, mutual funds, and annuities. Alexandra's office is a consistent qualifier for the Ambassador and Honor Club award.

Oakland

Expertise.com Rating

Review Sources

Google
4.8 (125)
Facebook
5.0 (58)
Yelp
4.6 (52)

Why choose this provider?

Jain Williams is the best State Farm insurance agent who serves both residential and commercial clients from California and the surrounding areas. She offers personal insurance products such as homeowners', auto, and pet insurance. She also provides other types of insurance products, including life, health, property, and business insurance. Jain Williams has been working in the insurance industry for more than three decades. She is affiliated with multiple community organizations, including the Oakland African-American Chamber of Commerce.

Mountain View

Expertise.com Rating

Why choose this provider?

Randy Chang is a fourth-generation State Farm insurance agent who serves both residential and commercial clients from California. He provides the best homeowners' insurance policies, as well as related coverages such as renters', condo, and earthquake insurance. He also offers personal vehicle, personal liability umbrella, and life insurance policies. Other services that he provides include assistance with mutual funds and annuities. Chang has been working in the insurance industry for more than a decade.

Bakersfield

Expertise.com Rating

Review Sources

Google
4.6 (28)
Yelp
4.6 (8)
Facebook
5.0 (7)

Why choose this provider?

Kelli Davis is the best State Farm insurance agent who serves both residential and commercial clients from California. She offers a variety of products such as homeowners', auto, life, and health insurance policies. Other insurance products that she provides include pet, business, and property insurance. Davis has been working in the insurance industry for more than a decade. She is an executive board member for Bakersfield West Rotary and the the Roadrunner Scholarship Fund at California State University.

Long Beach

Expertise.com Rating

Review Sources

Google
4.9 (150)
Yelp
3.5 (6)
Facebook
5.0 (4)

Why choose this provider?

Cheryl Estep is a second-generation State Farm insurance agent who serves both residential and commercial clients in California. She offers a wide variety of the best personal insurance products, including homeowners', renters', and auto insurance. Other insurance products that she provides include life, health, and commercial insurance. She also assists clients with insurance relocation. Cheryl Estep has been working in the insurance industry for more than two decades. She holds the Life Underwriter Training Council Fellow designation. She can provide services in Spanish and Russian.

Los Angeles

Expertise.com Rating

Review Sources

Google
5.0 (375)
Yelp
4.6 (65)
Facebook
5.0 (53)

Why choose this provider?

Steve Little is a second-generation State Farm insurance agent with more than a decade of industry experience. He serves clients in California, offering them the best homeowners' insurance with various coverage options. He also crafts other personal and commercial lines of insurance, including policies for renters, vehicles, and businesses. Little has qualified for the State Farm Senior Vice President Club and Chairman's Circle. He is the vice president of the West Los Angeles Chamber of Commerce.

Chula Vista

Expertise.com Rating

Review Sources

Google
4.9 (136)
Facebook
5.0 (1)

Why choose this provider?

Altra Insurance is the best independent agency that serves individuals, families, and businesses from California and the surrounding areas. It provides homeowners' insurance policies with both open-perils and named-perils coverage options. Its homeowners' insurance policies typically cover damage caused by fire and smoke, weight of ice and snow, lightning, and theft. Other types of insurance products that the agency offers include renters', auto, motorcycle, health, and business insurance. Altra Insurance has staff members who can speak Spanish.

San Diego

Expertise.com Rating

Review Sources

Yelp
4.5 (27)
Google
5.0 (5)

Why choose this provider?

Kevin Paulson Insurance Agency, Inc. is a family-owned and family-operated company that serves the residents of California and the surrounding areas. It provides the best homeowners' and home construction insurance policies. It also offers insurance policies for condominiums, rental homes, mobile homes, and motor homes. Kevin Paulson has been working in the insurance industry for more than three decades. The company is partnered with a variety of insurance carriers, including Nationwide, Travelers, Safeco, and Mercury General Corporation.

San Jose

Expertise.com Rating

Review Sources

Google
4.9 (78)
Yelp
5.0 (2)

Why choose this provider?

Mike Walsh is the best State Farm insurance agent who serves California. He provides homeowners' policies, which typically cover home repair and replacement costs. He also offers other personal insurance policies, such as renters', personal articles, and auto insurance. Other insurance products that he provides include life, health, and business insurance. Walsh is an active San Jose community volunteer. He and his team can serve clients who speak Spanish. They have more than 15 years of combined industry experience.

Long Beach

Expertise.com Rating

Why choose this provider?

Pacific Side Insurance Services LLC is California's best independent agency that serves the residents in the state and the surrounding areas. It provides homeowners' insurance policies, which cover replacement costs, personal possessions, and living expenses in case of disaster. It also offers supplemental coverage options for valuable articles, flooding, and additional liability. The company has been in operation for almost a decade. It is partnered with over 20 property and casualty companies and over 30 life, accident, and health insurance firms.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Galaxy Insurance Service Agent
2411 E Anaheim St, Long Beach, CA 90804
Steven Wang
15333 Culver Drive Ste 130, Irvine, CA 92604
Alexandra Anderson
980 El Camino Real, Suite 350, Santa Clara, CA 95050
Jain Williams
4222 MacArthur Blvd, Oakland, CA 94619
Randy Chang
2083 Old Middlefield Way, Suite #206, Mountain View, CA 94043
Kelli Davis
2665 Calloway Drive, Suite 206, Bakersfield, CA 93312
Cheryl Estep
2750 N Bellflower Blvd, Long Beach, CA 90815
Steve Little
11654 W Pico Blvd, Los Angeles, CA 90064
Altra Insurance
651 Palomar St A3, Chula Vista, CA 91911
Kevin Paulson Insurance Agency, Inc.
16456 Bernardo Center Drive #102, San Diego, CA 92128
Mike Walsh
860 S Winchester Blvd Suite C, San Jose, CA 95128
Pacific Side Insurance Services LLC
4320 Atlantic Ave STE 101, Long Beach, CA 90807

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 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.

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