Expertise.com Homepage

2025

Last updated:

Best Homeowners Insurance Agencies in California

Our Recommended Top 11

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 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.

22438Reviewed

13467Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Best Homeowners Insurance Agencies Serving California
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.

Compare our Top Homeowners Insurance Agencies

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

California Homeowners Insurance Agency FAQs

  • Does homeowners' insurance in California cover damage to swimming pools?

    In general, homeowners' insurance in California should cover damage to swimming pools, depending on the type. An in-ground pool is part of the “covered structures” portion of the insurance policy and has coverage up to a certain limit. However, an above-ground type of pool is not included in "covered structures" and therefore would need separate insurance.

  • How can a California homeowner obtain insurance for their high-risk property?

    Homeowners who have problems getting their home insured because it is considered high-risk can turn to the California Fair Access to Insurance Requirements (FAIR) Plan. They can get a fire insurance policy that covers their home's structure and belongings. More information on this program can be obtained by calling (213) 487-0111 or (800) 339-4099 or visiting: California FAIR Plan 3435 Wilshire Boulevard Los Angeles, CA 90010

  • Can you still purchase an insurance policy from the California Earthquake Authority after an earthquake just happened?

    Yes, there are no moratoriums imposed by the California Earthquake Authority after any earthquake occurrence. However, your new insurance policy will not cover any damage from aftershocks that may happen 15 days after the earthquake occurred. On the other hand, there is no waiting period for this new policy to take effect.

  • Should a first-time homebuyer in California file an insurance claim for minor home damage?

    No. First-time homebuyers in California are cautioned to only file insurance claims for major home damage. Filing claims for minor damage is one of the common mistakes inexperienced homeowners make. The problem with doing this is that it could lead to a possible non-renewal of the policy. Some insurers will no longer renew a policy after three claims within five years. Changing to a new insurer after a non-renewal also means higher premiums.

  • Is there a way to quickly check the fire hazard situation of an area in California?

    Yes, the area name or zip code can be searched on the Fire Hazard Severity Zones (FHSZ) viewer found on the CAL FIRE website. The public can also reach out to the FHSZ team at the California Department of Forestry and Fire Protection by calling (916) 633-765 or sending an email to FHSZinformation@fire.ca.gov.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2025

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.