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2025

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Best Homeowners Insurance Agencies in Alameda, CA

Our Recommended Top 6

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 Alameda 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.

50Reviewed

32Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1767 16th Street, Oakland, CA 94607

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (1)

Why choose this provider?

David E. Quan Agency, Insurance Brokers, Inc. specializes in various areas including home insurance. Serving the Alameda area, the company assists homeowners in acquiring financial protection for their properties and personal possessions. The agents create home insurance plans that cover incidents such as fire, theft, and pipe leaks. Home insurance policies may also include coverage for medical expenses, off-premises theft, additional living expenses, and secondary homes. David E. Quan Agency, Insurance Brokers, Inc. has been in service since 1955.

  • Multiple Policy Types

1433 Leimert Boulevard, Oakland, CA 94602

Expertise.com Rating

Review Sources

Yelp
4.5 (34)
Facebook
5.0 (15)
Google
5.0 (10)

Why choose this provider?

Halbrook Insurance Agency is a multi-line insurance agency near Alameda that offers homeowner policies to individuals and families in the Bay Area. The homeowners insurance plan can be customized and structured to meet the unique needs of clients. Standard homeowners policies generally include coverage for damages caused by theft, fire, explosion, lightning, or hail. The company's agents work with clients to make sure the coverages they require are written in the policy. They also shop among the many carriers they represent to find the best rate for clients.

  • Earthquake
  • Multiple Policy Types
  • Flood

3349 International Boulevard, Oakland, CA 94601

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Concise Insurance Services is an insurance agency that serves clients in Alameda. Its homeowners' insurance provides homeowners with financial protection against disasters. It covers both the damage to the property caused by fire or natural disasters and the liability for injuries sustained within the property. Damages caused by household pets are also included. Concise Insurance Services also serves small and large businesses, providing protection for factories, warehouses, equipment, and inventory.

  • Multiple Policy Types

320 8th Street, Suite 2G, Oakland, CA 94607

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Pleasant Insurance Agency, Inc., offers homeowners' insurance around the Alameda area. Its agents help provide financial protection in case of damage or losses to the structure and other personal belongings within their property as a result of fire, theft, vandalism, and other disasters. They also provide additional coverage for conditions that are not covered by the original policy, such as earthquakes and floods, as well as protection against lawsuits in case someone gets injured within their property.

  • Personal Property Insurance
  • Multiple Policy Types

1101 Marina Village Pkwy UNIT 201, Alameda, CA 94501

Expertise.com Rating

Why choose this provider?

Nathan Douglas Gleason is an insurance agent in Alameda. His homeowners' insurance policy includes coverage for external structures, such as detached garages, swimming pools, and treehouses. His years of service help understand policyholders in making adjustments to their policies based on their current situation. He also reviews policies if they remain appropriate for each policyholder, especially when renovations are underway. Gleason delivers convenient claims processes with his iOs and Android mobile app and has service agents standing by.

  • Personal Property Insurance
  • Multiple Policy Types

101 Ygnacio Valley Road, Walnut Creek, CA 94596

Expertise.com Rating

Review Sources

Yelp
4.0 (8)

Why choose this provider?

CF&P Insurance Brokers is a third-generation, family-owned, independent insurance agency providing insurance services to Alameda residents since 1937. It offers dwelling coverage against structural damage, personal property coverage, and liability coverage if a visitor injures themselves on the customer's property. Experienced insurance professionals help clients choose a policy that suits their budget and needs. The initial quotes are free. In addition, CF&P Insurance Brokers offers commercial, auto, and personal insurance, management liability protection, and cyber liability coverage.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
David E. Quan Agency, Insurance Brokers, Inc.
1767 16th Street, Oakland, CA 94607
Halbrook Insurance Agency
1433 Leimert Boulevard, Oakland, CA 94602
Concise Insurance Services
3349 International Boulevard, Oakland, CA 94601
Pleasant Insurance Agency, Inc.
320 8th Street, Suite 2G, Oakland, CA 94607
Nathan Douglas Gleason
1101 Marina Village Pkwy UNIT 201, Alameda, CA 94501
CF&P Insurance Brokers
101 Ygnacio Valley Road, Walnut Creek, CA 94596

Alameda, CA Homeowners Insurance Agency FAQs

  • Why is it important to periodically review your homeowners insurance policy in Alameda?

    A periodic review of your homeowners insurance policy helps maintain adequate coverage for your home and personal belongings. You can update your coverage limits to cover new furniture, appliances, and home improvements. During the review, you can also adjust your coverage to keep up with inflation and changes in your home’s market value. Your Alameda home that was worth $70,000 two years ago may now be worth more and need a higher coverage amount.

  • What are the benefits of getting a homeowners’ insurance policy with replacement cost coverage in Alameda?

    The replacement cost coverage will pay for the expenses of repairing damages to your house using materials with the same quality as the original. Your Alameda home's depreciation will also not be deducted from your payments. Your old roof damaged by a storm can be covered for the price of a new roof instead of the price of an old roof.

  • Should you do a home inventory when purchasing a new homeowners’ insurance policy in Alameda?

    Having an inventory of belongings inside your Alameda house helps you calculate how much coverage you need in your policy. It is recommended to take photographs/videos of your belongings in addition to making an itemized list. Take note of each item’s value and serial numbers of electronics. This will also help make your claims process faster as you have a ready record and proof of what items got damaged or stolen and how much it will cost to replace them.

  • Why is your homeowners insurance coverage much lower than your home’s market value in Alameda?

    Your homeowners insurance coverage is much lower than your home’s market value because your policy provides coverage for repairing or rebuilding the dwelling structure, and it does not account for the repair of the land. Meanwhile, the market value is the total of both your home and the land’s value. When a fire or hurricane strikes your Alameda property, only your home and personal belongings suffer damage.

  • What damages are excluded from standard homeowners insurance policies in Alameda?

    You may think that flood damage is included in your policy because flooding is a common risk, but it is actually not included in homeowners insurance policies in Alameda. You will have to get flood coverage separately if you want protection. Homeowners insurance also does not pay for damages caused by earthquakes and wars. If you have artwork or expensive items in your home, it is recommended to buy additional coverage for these valuables.

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