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2024

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Best Homeowners Insurance Agencies in Chico, 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 Chico 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.

58Reviewed

37Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2615 Forest Avenue, Chico, CA 95928

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Rhio Nelson Insurance Agency Inc. is a local insurance company servicing individuals in Chico and the surrounding areas for over 30 years. The company represents over 50 insurance carriers and has agents with extensive backgrounds in the insurance industry. The agency's primary service is providing insurance for properties located in foothills. Its team also finds insurance coverages for mobile homes, seasonal homes, rentals, boats, and trailers. Owner Rhio Nelson has served the U.S. Air Force in the past before founding an insurance company.

  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

1600 Mangrove Avenue, Chico, CA 95926

Expertise.com Rating

Review Sources

Google
4.6 (14)
Yelp
3.0 (11)
Facebook
5.0 (9)

Why choose this provider?

Nevin and Witt Insurance & Financial Services is an independent agency that has helped the residents of Chico obtain reliable insurance coverage since 1950. Its agents are equipped to find the right home insurance policy from a wide range of insurance carriers, such as Aegis, Mercury Insurance, and Progressive. It has rental insurance options available for apartment renters wishing to protect their valuables from fire, theft, and floods. The agency also has auto, dental, pet, vision, and life insurance.

  • Flood
  • Multiple Policy Types

175 East Avenue, Chico, CA 95926

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (3)

Why choose this provider?

Since 1991, Chico-based Matt Davis Insurance Agency has helped homeowners manage risks and financially protect their residence with an insurance plan. The agents discuss clients' needs and deliver a personalized policy that fits their requirements. The company's policies commonly cover damages and losses to the property itself, along with its contents and any personal belongings. Loss of use coverage and liability protection for accidents that occur on the property can also be obtained. Matt Davis Insurance Agency offers bundling options for multiple policies.

  • Multiple Policy Types

426 Broadway Street, Chico, CA 95928

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Jeff Fowler Insurance Services addresses diverse insurance needs in the Chico metro. This company works with different insurers, including Chubb, Pacific Life, and Liberty Mutual Insurance, to find insurance deals that match clients' needs. It maintains an online platform for homeowners' insurance quote requests. Its insurance agents walk homeowners through insurance options, educate them on insurance basics, and design homeowners' insurance plans for sufficient property and home coverages. They also assess potential risks to ensure clients receive adequate financial protection.

  • Multiple Policy Types

2735 Esplanade, Chico, CA 95973

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Avrit Insurance Agency, Inc. is a locally-operated and independently-owned company in Chico that has been servicing home and business owners since 1984. Since it is independent, the company is not tied to any one insurance provider and can provide coverage options from several insurance companies. It handles the research and price comparison to make it easier for its clients to choose the policy best suited for their needs and budget. If a home damaged or destroyed, the insurance typically pays for the repairs and reconstruction.

  • Personal Property Insurance
  • Multiple Policy Types

290 Airpark Boulevard, Chico, CA 95973

Expertise.com Rating

Review Sources

Google
5.0 (182)
Facebook
4.8 (26)
Yelp
5.0 (1)

Why choose this provider?

Heritage Insurance Agency is a Chico agency that has been helping clients protect themselves with insurance policies since 1978. As an independent agency that works with multiple insurance carriers, Heritage gives its clients the power to choose the homeowners' insurance policy that serves their needs best. Home insurance policies help property owners protect their biggest assets against accidents, liabilities, and disasters that could lead to financial ruin. Heritage Insurance Agency also provides agribusiness, farm, and commercial insurance policies.

  • Multiple Policy Types

500 Cohasset Road, Chico, CA 95926

Expertise.com Rating

Review Sources

Facebook
5.0 (32)
Yelp
5.0 (4)

Why choose this provider?

Founded in 2013, Chico Creek Insurance Services is an independent agency that provides dependable insurance options for homeowners in Chico and surrounding areas. Its agents offer a variety of home insurance plans that covers a client's property or personal losses from fire, theft, or other events. In addition to insurance for secondary or vacation homes, it has coverage for floods, earthquakes, and jewelry. Chico Creek Insurance also provides insurance for automobiles, commercial businesses, and apartment renters.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
rhionelsoninsurance.com
2615 Forest Avenue, Chico, CA 95928
Nevin and Witt Insurance & Financial Services
1600 Mangrove Avenue, Chico, CA 95926
Matt Davis Insurance Agency
175 East Avenue, Chico, CA 95926
Jeff Fowler Insurance Services
426 Broadway Street, Chico, CA 95928
Avrit Insurance Agency, Inc.
2735 Esplanade, Chico, CA 95973
heritage-agency.com
290 Airpark Boulevard, Chico, CA 95973
Chico Creek Insurance Services
500 Cohasset Road, Chico, CA 95926

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.
  • Does a standard homeowners' insurance policy in Chico cover all types of accidents and damages?

    No. In Chico, a standard homeowners' insurance policy generally provides coverage for property damage, theft-related loss of valuable items, living expenses in case of total loss, and medical costs for non-residents injured on the property. Additional coverage for natural disaster damage like floods and earthquakes, or safeguarding second homes, can be obtained separately. It is advisable to communicate your desired inclusions to your agent.

  • Is homeowners' insurance applicable to landlords in Chico?

    No. Standard homeowners' insurance in Chico is not tailored for rental properties. This means that landlords acquiring such coverage could face claim denials since it is the wrong policy. To address this gap, there exists a dedicated insurance option for rental property owners known as the dwelling fire or landlord policy. This policy assists with expenses, provided the property remains unoccupied for no more than 30 to 60 days.

  • Is there a homeowners' insurance plan that covers fire damage in Chico?

    Yes. The California FAIR (Fair Access to Insurance Requirement) Plan is a state-required insurance scheme offering fundamental fire protection to Chico's high-risk homeowners. It aids those facing difficulties securing insurance from preferred providers. This initiative operates within a collective market, involving licensed insurance companies who distribute the risk for Chico homeowners who are ineligible for standard coverage.

  • What is the average homeowner insurance cost in Chico?

    In Chico, the average insurance cost is approximately $796 for a median home valuation of $295,600. This figure fluctuates due to different elements, such as the deductible, house age, and construction style. Proximity to a public safety facility or the presence of a swimming pool can further increase or diminish the cost.

  • What impact does the rise in construction expenses have on individuals holding homeowners' insurance policies in Chico?

    The increase in construction expenses directly impacts Chico's policyholders, as it leads to higher homeowners' insurance claim costs. The National Association of Home Builders (NAHB) reports a 67% surge in lumber prices since early 2021, making household construction more expensive. This could result in the current policy limits and coverage provisions being insufficient to provide adequate support for homeowners, leaving them financially exposed in case of a loss.

  • 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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