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Best Homeowners Insurance Agencies in Apple Valley, 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 Apple Valley 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

14681 Seventh Street, Victorville, CA 92395
WebsiteLicense: 0252636 Rating

Review Sources

5.0 (6)

Why choose this provider?

Serving clients in Apple Valley, Stewart’s United Agencies, Inc., Insurance has been in the industry since 1997. It is a multi-line agency that crafts individual and business insurance policies, such as homeowners' insurance. It also provides automobile insurance and registration, general and professional liability coverage, workers' compensation coverage, and Mexico insurance. Stewart’s United Agencies has a knowledgeable team of agents that caters to clients who speak in English or Spanish.

  • Renter's Insurance

18409 US Highway 18 Suite 2, Apple Valley, CA 92307 Rating

Review Sources

5.0 (20)
5.0 (1)
5.0 (1)

Why choose this provider?

ISU Stephen B. Marvin Insurance Agency is a California insurance firm catering to homeowners in Apple Valley. It is a family-owned business that has been operating since 1912. It provides comprehensive and anticipative homeowners' insurance inclusive of a standard home insurance policy and disaster coverage. Its liability coverage also extends to dog bite liability, trampoline or swimming pool insurance, sinkholes, personal property away from home, and umbrella liability insurance. The agency insurance carriers include Allianz, CIG, and MetLife.

  • Personal Property Insurance
  • Multiple Policy Types

15319 Palmdale Road, Victorville, CA 92392 Rating

Review Sources

4.6 (28)

Why choose this provider?

ASAP Insurance Services helps homeowners mitigate the risks associated with owning a home in Apple Valley. The insurance specialists at this company assist clients in preparing for financial losses resulting from events such as theft, fire, or vandalism. They represent various insurance carriers such as PMA Companies, Progressive Insurance, and American Safety Insurance. The firm possesses 20 years of industry experience in shopping for policies, not only for homeowners but also for condominium unit owners and renters.

  • Multiple Policy Types

PO Box 3456, Victorville, CA
WebsiteLicense: 0G27333 Rating

Review Sources

5.0 (3)

Why choose this provider?

The Insurance Crew has over two decades of experience providing insurance solutions in the Apple Valley. The agency builds insurance proposals with different insurance carriers, such as Progressive, Travelers, and MetLife. It helps homeowners understand policy coverages, including damages due to natural disasters or random acts such as vandalism and theft. Its insurance agents offer automobile, health, life, and watercraft insurance. The Insurance Crew has online insurance quote request forms for clients' convenience.

  • Earthquake
  • Fire
  • Flood

22617 Highway 18, Apple Valley, CA 92308 Rating

Review Sources

5.0 (8)
5.0 (7)

Why choose this provider?

Vineyard Insurance Services is an Apple Valley-based insurance broker that provides independent services and unbiased advice to personal and business customers throughout the surrounding communities. Since it started in 2004, the family-owned brokerage has helped homeowners get the policies they need for their main, secondary, and investment properties. Its licensed agents scour the products offered by many insurance carriers, advise clients on the pros and cons of each, and blend products to create unique policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

13489 Amargosa Road, Victorville, CA 92392 Rating

Review Sources

4.8 (38)

Why choose this provider?

D Wagner Insurance Agency serves individuals, families, and businesses in Apple Valley and Southern California with various insurance solutions. Among the agency's products is homeowners' insurance. The insurance policy acts as protection for residents in the event that their home suffers damages or losses due to severe weather conditions or theft. Liability protection coverage is also included to cover repairs, medical expenses, and other costs incurred because of a guest getting injured while on the property. The company's agents customize policies based on clients' insurance needs.

  • Multiple Policy Types
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Stewart's United Agencies Inc.
14681 Seventh Street, Victorville, CA 92395
ISU Stephen B. Marvin Insurance Agency
18409 US Highway 18 Suite 2, Apple Valley, CA 92307
ASAP Insurance Services
15319 Palmdale Road, Victorville, CA 92392
The Insurance Crew
PO Box 3456, Victorville, CA
Vineyard Insurance Services
22617 Highway 18, Apple Valley, CA 92308
D Wagner Insurance Agency
13489 Amargosa Road, Victorville, CA 92392


  • 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.
  • Is damage resulting from an earthquake or flood included in homeowners insurance coverage in Apple Valley?

    Standard homeowners insurance policies in Apple Valley generally do not provide coverage for earthquake and flood damage. These types of perils typically require supplementary coverage or a different insurance policy. It's advisable to discuss your insurance needs with your agent, especially if you live in an area prone to such disasters. Also, the National Flood Insurance Program offers flood insurance options.

  • What potential discounts are available for homeowners insurance in Apple Valley?

    Potential homeowners insurance discounts in Apple Valley include the following:

    • Claims-free credit: If you've had no recent claims on your homeowners insurance, you may qualify for a discount.
    • Gated communities and HOAs: Living in a secure area or a neighborhood with a homeowners association may reduce your premiums due to reduced theft and vandalism risk.
    • Home renovations: Recent renovations may lead to discounts by reducing the risk of accidents like weather damage or fires, lowering your risk for insurers.
  • Is plumbing coverage included in homeowners insurance in Apple Valley?

    Typically, homeowners insurance in Apple Valley provides coverage for damages resulting from broken plumbing fixtures, but not for the plumbing components themselves. For instance, if the hose of your washing machine bursts, leading to a flood in your laundry room that damages the flooring, your homeowners insurance would typically cover the flooring damage but not the replacement of the hose that caused the issue.

  • Is it possible to designate an additional person to be informed of a nonpayment cancellation notice for your Apple Valley homeowners insurance?

    You can appoint one additional individual to be informed about the cancellation of your Apple Valley homeowners insurance policy due to unpaid premiums. Any cancellation due to unpaid premiums will be conveyed to this designated person at least 10 days before it becomes effective. You can freely select, modify, or remove this person at any time. Apart from receiving notice of your policy's termination or cancellation due to unpaid premiums, this person won't have any additional rights under the policy.

  • Do you need to hire an insurance agent or broker when searching for homeowners insurance in Apple Valley?

    It's typically a smart move to find a proficient agent or broker who can assist you in selecting the appropriate coverage when it comes to insuring a home in Apple Valley. When assessing your choices, take into account personal referrals, online reviews, and background details regarding licensed professionals. You can find this information on the California Department of Insurance website.

  • 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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