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2024

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Best Homeowners Insurance Agencies in Baldwin Park, CA

Our Recommended Top 7

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 Baldwin Park 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

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3634 Baldwin Park Blvd, Baldwin Park, CA 91706

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (1)

Why choose this provider?

Reinas Insurance Agency has been offering home insurance solutions in Baldwin Park since 1989. This firm works with different insurance companies to find insurance deals that match clients' financial situations. Its insurance professionals provide homeowners' policies that contain coverages for properties and liabilities. They also educate homeowners on coverage options, including personal property loss and dwelling repairs due to covered events. Property items covered include jewelry, silverware, antiques, fine arts, firearms, and money. Reinas Insurance Agency also offers life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1055 West San Bernardino Road, Covina, CA 91722

Expertise.com Rating

Review Sources

Google
4.8 (5)
Facebook
5.0 (2)

Why choose this provider?

Cataño Insurance Brokers has been servicing Baldwin Park and nearby areas for more than 20 years. It helps mitigate losses from damages caused by natural occurrences. Lawsuit risks are mitigated for homeowners if a visitor is directly or indirectly injured within their property. Vandalism and theft damages and repairs are either replaced or reimbursed. Cataño Insurance Brokers observe the utmost compassion and respect in assessing a client's situation and help them arrive at the most appropriate decisions.

  • Multiple Policy Types

118 Las Tunas Drive, Arcadia, CA 91007
WebsiteLicense: 0D04071

Expertise.com Rating

Review Sources

Yelp
5.0 (6)
Google
1.0 (1)

Why choose this provider?

Insurance Sales and Service is a full-service insurance agency that has been safeguarding assets and families in and around the Baldwin Park metro since 1948. This business provides a homeowners' insurance policy that secures clients' homes from the risk of being damaged by hurricanes, fire, theft, and severe thunderstorms. Additionally, it offers different policies for renters, motorcycles, and boats and watercraft. Insurance Sales and Service strives to enlighten its customers for the best package option that fits their needs.

  • Homeowners

315 S Primrose Ave, Monrovia, CA 91016-2858

Expertise.com Rating

Review Sources

Google
4.2 (13)
Yelp
5.0 (2)

Why choose this provider?

Regina Talbot - State Farm Insurance Agent has served residents of the Baldwin Park area with a variety of insurance services for more than 25 years. She guides customers through the process of finding the right insurance for them from start to finish, offering protection from natural disasters, vandalism, theft, fire, and liability claims. In addition, clients can consult Ms. Talbot to purchase auto, renters, business, health, and life insurance. She is fluent in Tagalog and Mandarin.

  • Personal Property Insurance
  • Multiple Policy Types

16014 Arrow Highway, Irwindale, CA 91706

Expertise.com Rating

Review Sources

Google
4.0 (13)
Yelp
3.0 (9)

Why choose this provider?

Aldana Insurance Services is a company based in Irwindale. It has been providing homeowners insurance services in Baldwin Park since 2006. Its professionals offer homeowners insurance with policies that include construction costs, replacement costs, building codes, and inflation guard. Additional costs included in the insurance policy include personal possessions, actual cash value, expensive items with endorsements, additional living expenses after a disaster, and liability to bodily injuries or property damage. Aldana Insurance Services offer other services in automobile and health insurance.

  • Homeowners

1669 N Hacienda Blvd, La Puente, CA 91744
WebsiteLicense: 0I01626

Expertise.com Rating

Review Sources

Google
4.0 (39)

Why choose this provider?

Brenda's Insurance Services Inc. is an insurance agency that aims to be timely and reliable in providing assistance to homeowners. The agency helps homeowners around Baldwin Park protect their homes financially against unpredictable events. Brenda's Insurance Services offers insurance assistance for a variety of property types including mansions and condominiums. Additionally, the agency also caters to Spanish-speaking homeowners. Former customers have highlighted the firm's expertise in customer service as well as its responsiveness and professionalism.

  • Homeowners

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

Expertise.com Rating

Review Sources

Google
5.0 (54)

Why choose this provider?

Fortune Insurance Agency serves individuals, families, and businesses in Baldwin Park. It provides home insurance plans to offer protection for different properties, such as homeowners, landlord, renters, and condo. Fortune Insurance is an independent agency that has more than 30 years of combined experience in the industry. It delivers an array of insurance and financial products to fit the needs and lifestyle of its clients, some of which include life, health, vision, dental, and auto.

  • Renter's Insurance
  • Condos
  • Landlords

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Reinas Insurance Agency
3634 Baldwin Park Blvd, Baldwin Park, CA 91706
Cataño Insurance Brokers
1055 West San Bernardino Road, Covina, CA 91722
Insurance Sales and Service
118 Las Tunas Drive, Arcadia, CA 91007
Regina Talbot - State Farm Insurance Agent
315 S Primrose Ave, Monrovia, CA 91016-2858
Aldana Insurance Services
16014 Arrow Highway, Irwindale, CA 91706
Brenda's Insurance Services Inc.
1669 N Hacienda Blvd, La Puente, CA 91744
Fortune Insurance Agency
136 1/2 South Glendora Avenue, West Covina, CA 91790

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.
  • Can owning a swimming pool in a Baldwin Park property affect homeowners' insurance premiums?

    Yes, owning swimming pools and jacuzzis in Baldwin Park might increase home insurance rates due to associated hazards and potential legal actions. Features like diving boards can amplify these rates even more. To counterbalance these expenses, homeowners can install safety measures like security alarms, barriers, and secure gates. Adopting these safety measures is crucial to keep insurance costs in check.

  • Does homeowners' insurance in Baldwin Park cover gutter damage?

    Whether homeowners' insurance covers gutter damage depends on the policy type. Named-peril policies cover gutter damage if listed perils, such as lightning, hail, or vandalism, cause it. Conversely, open-peril policies specify which risks aren't covered, offering broader protection. Regardless of the policy type, Baldwin Park homeowners should consult their insurer to understand gutter damage coverage and inquire about additional riders that might help repair costs.

  • What's the difference between renters' and homeowners' insurance in terms of coverage in Baldwin Park?

    Renters insurance in Baldwin Park is tailored for those leasing properties, focusing on safeguarding personal possessions from environmental damages. For complete protection, maintaining a current record of valuable items is crucial. While more affordable than homeowners insurance, its primary goal is to cover personal belongings. On the other hand, homeowners insurance, which is obligatory, covers both the structure and personal property and aims to ensure safety for owners, neighbors, and nearby areas. Premiums are determined by the home's attributes.

  • How are premiums calculated if a homeowner in Baldwin Park cancels their insurance?

    When Baldwin Park homeowners cancel their policy, companies calculate the premium on a short-rate basis, allowing them to retain a portion of the unearned premium for administrative tasks. Some firms might opt for a pro-rata calculation. Homeowners need to review their policy details. If a homeowner has engaged a broker and signed an agreement, the broker might keep their fee unless they acted dishonestly or incompetently. Any unresolved broker fee disputes can be directed to the California Department of Insurance.

  • Does standard homeowners' insurance cover the costs of rebuilding a severely damaged home in Baldwin Park according to updated building codes?

    No, for homeowners in Baldwin Park, if their home is extensively damaged, standard homeowners insurance might not cover the extra costs to rebuild in compliance with updated building codes. However, numerous insurance companies offer an "Ordinance or Law" endorsement. This endorsement, which modifies the original insurance policy, can allocate a certain amount to help cover the expenses of rebuilding to meet current codes. It's essential for homeowners to check if they have this added protection.

  • 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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