Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Chula Vista, CA

Our Recommended Top 19

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 Chula Vista 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.

143Reviewed

93Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

337-D E SanYsiro Blvd, San Ysidro, CA 92173

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

Safer Insurance Agency in San Ysidro, California, sells home insurance throughout the Chula Vista metro area. Established in 2000, the agency offers home insurance that includes standard coverage for fire, lightning, theft and burglary, and storm damage but also offers additional policies for earthquakes, floods, fire insurance for a rented house, and for renters. They also do instant DMV services, Commercial & Trucking Insurance. Safer Insurance specializes in auto insurance in California and Mexico but offers a range of personal and commercial insurance products.

  • Earthquake
  • Fire
  • Flood

737 3rd Ave Ste B, Chula Vista, CA 91910
WebsiteLicense: 0M48127

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
4.8 (15)
Yelp
5.0 (5)

Why choose this provider?

Established in 2008, Vianca's Insurance & Financial Services is an agency that serves Chula Vista residents. It provides clients with home insurance options that protect their home structure and personal belongings like clothing, furniture, and electronics. Homeowners can also choose plans that cover hotel and meal expenses while their property is being repaired. The company's agents, some of which are fluent in Spanish, also offer life, car, business, and retirement insurance products. Vianca's Insurance & Financial Services is a member of the Hispanic Chamber of E-Commerce.

  • Multiple Carriers

11 Third Ave Ste D, Chula Vista, CA 91910

Expertise.com Rating

Review Sources

Google
4.3 (21)
Yelp
3.5 (9)
Facebook
5.0 (7)

Why choose this provider?

Insurance 4 Less in Chula Vista, California, provides home insurance as an insurance broker. The agency offers insurance for homeowners based on location, value of the house, mortgage company, and distance from fire hydrants and the nearest fire department. The company gives free online quotes on its policies in under five minutes. Insurance 4 Less also offers a variety of personal and commercial insurance products, including tourist auto insurance in Mexico.

  • Homeowners

651 Palomar St A3, Chula Vista, CA 91911
WebsiteLicense: 0M40459

Expertise.com Rating

Review Sources

Google
4.9 (177)
Facebook
5.0 (2)

Why choose this provider?

Altra Insurance is an independent agency catering to the needs of individuals, families, and business owners in Chula Vista. The agency offers homeowners solutions to managing property risks such as accidents, asset loss, and structure loss and damage. They guide clients in deciding the type of policy based on geographical area, select from a variety of add-on options, and help in understanding liability limits. Altra Insurance also provides insurance products for businesses, renters, and vehicles.

  • Renter's Insurance

99 E Bonita Rd, Chula Vista, CA 91910

Expertise.com Rating

Review Sources

Facebook
4.9 (49)
Google
5.0 (22)
Yelp
5.0 (13)

Why choose this provider?

Rapido Insurance Services is an independent agency offering home insurance consultation to customers living or leasing in the Chula Vista, California, metro area. It regularly educates clients on the extent of financial protection various types of coverage for property or liability offer them, and it explores their needs to find applicable areas of additional coverage. Besides home insurance coverage, its agents also provide automobile insurance services and can insure vehicles in Mexico as well.

  • Renter's Insurance
  • Homeowners

615 National City Blvd, National City, CA 91950

Expertise.com Rating

Review Sources

Google
4.6 (35)
Yelp
1.5 (2)

Why choose this provider?

Founded in 1989, MGH Insurance Service Inc. is a family-owned insurance company located in the Chula Vista, California, metro area. Policy specialists work with multiple carriers to find the right amount of coverage at a competitive rate for houses, condos, and rental properties. Other insurance options include auto, motorcycle, boat, commercial vehicle, motor home, SR-22, worker's compensation, general liability, health, life, and business property policies. Services are available in English and Spanish.

  • Renter's Insurance
  • Condos
  • Earthquake

40 Third Avenue, Chula Vista, CA 91910
WebsiteLicense: 0I81019

Expertise.com Rating

Review Sources

Google
5.0 (108)
Yelp
5.0 (12)
Facebook
3.7 (6)

Why choose this provider?

CSS Insurance Services, LLC, serves clients in Chula Vista. It offers homeowners' insurance policies that cover the infrastructure, personal possessions, and liabilities of owners in case of loss, damage, and injuries. The insurance broker also prepares a wide range of business insurance coverage options for commercial properties and liabilities, medical payments, business income, and electronic data processing equipment. CSS Insurance Services has been a family-owned and family-operated business since its establishment in 1966.

  • Multiple Policy Types

9855 Scranton Road, San Diego, CA 92121

Expertise.com Rating

Review Sources

Yelp
5.0 (2)
Google
5.0 (1)

Why choose this provider?

HUB is an insurance agency near Chula Vista offering homeowners' insurance policies. Policies are available to cover property, belongings, and lawsuits in case of liability. HUB offers flood insurance as well, and clients can purchase policies here whether they own their home or are renters looking for property insurance. Policies for mobile homes and condos are available. This agency also offers a multitude of policies in other categories, such as fine art insurance, auto insurance, and commercial insurance.

  • Fire
  • Flood

1105 Broadway Suite #202, Chula Vista, CA 91911
WebsiteLicense: 0M78565

Expertise.com Rating

Review Sources

Google
4.4 (31)
Facebook
5.0 (6)
Yelp
3.5 (6)

Why choose this provider?

Carlos Solorzano provides State Farm's homeowners' insurance solutions to residents in Chula Vista. The policy coverage includes personal property replacement and repair costs in case of damage or loss. He also offers life, health, pet, business, and property insurance. In addition, its vehicle insurance policies cover trucks and cars. Driven by a mission to serve the people, Solorzano, and his team helps families obtain financial security during unexpected events. Services are provided in English and Spanish.

  • Personal Property Insurance

1096 Broadway, Chula Vista, CA 91911

Expertise.com Rating

Review Sources

Google
4.4 (16)
Facebook
5.0 (1)

Why choose this provider?

Millan Group, Inc., offers insurance policies to clients in the Chula Vista area and the neighboring communities. Homeowners can get coverage for their properties in the event of a fire or natural disaster. They also cover compensation for the theft of personal items and vandalism. In addition, business clients can get policies for their vehicle fleets, along with workers' compensation and general liability insurance. Millan Group, Inc., has more than 20 years of experience in the insurance business.

  • Multiple Policy Types

350 E Street, Chula Vista, CA 91910
WebsiteLicense: 0L80848

Expertise.com Rating

Review Sources

Google
5.0 (308)
Facebook
4.8 (52)
Yelp
5.0 (9)

Why choose this provider?

Willy's Insurance Service Inc. has been serving families and individuals in Chula Vista since 2012. Its owner, Willy Ruiz, started his career as an insurance agent in 2006, providing a wide selection of products, including homeowners', renters', auto, and motorcycle policies, and SR-22 certificates. His homeowners' insurance policy aims to help clients protect their property and family. He works closely with policy buyers to determine their specific needs and tailor a plan that fits their situation. Ruiz can communicate in Spanish.

  • Multiple Policy Types

8110 La Jolla Shores Drive, La Jolla, CA 92037

Expertise.com Rating

Review Sources

Google
4.4 (7)
Yelp
5.0 (5)

Why choose this provider?

Dave Scott, State Farm Insurance Agent, is an agency offering homeowners' insurance near Chula Vista. Clients can purchase policies that cover their homes in case of natural disasters, fires, vandalism, or other occurrences. They can also obtain coverage for their property should it be damaged or stolen. Dave Scott, State Farm Insurance Agent, also helps clients to purchase coverage for automobiles, small businesses, and their end-of-life expenses. Insurance Agent Dave Scott consults clients on their needs and guides them through the entire purchase process.

  • Personal Property Insurance
  • Multiple Policy Types

3945 Idaho Street, San Diego, CA 92104

Expertise.com Rating

Review Sources

Google
4.8 (13)
Yelp
5.0 (5)

Why choose this provider?

Alcott Insurance Agency serves the Chula Vista metro area and offers homeowners' insurance policies. Clients can purchase specific types of coverage or opt for all-inclusive plans. Property insurance is available to cover homes themselves, and personal property coverage is available to cover the contents inside. Alcott Insurance Agency also sells liability insurance to protect customers from lawsuits if others are injured while on their properties. Policies for medical insurance and living expense insurance are also available to help customers handle the loss of their homes.

  • Renter's Insurance
  • Multiple Carriers
  • Flood

8626 Jamacha Blvd, Spring Valley, CA 91977

Expertise.com Rating

Review Sources

Google
4.5 (35)
Yelp
4.0 (8)

Why choose this provider?

Chuck Miller Insurance Services Inc. is an insurance company based in Spring Valley, California. The company offers home insurance for single-family houses, RVs and mobile homes, condos, and other properties. It also provides auto, commercial, and life insurance. The team of insurance advisers at Chuck Miller Insurance Services has more than three decades of experience. The company is happy to work with customers that have been turned down for policies in the past.

  • Renter's Insurance
  • Condos
  • Homeowners

884 Eastlake Parkway #1626, Chula Vista, CA 91914

Expertise.com Rating

Review Sources

Google
5.0 (110)
Yelp
4.5 (13)
Facebook
5.0 (5)

Why choose this provider?

Eastlake Insurance Services offers a variety of coverages to commercial and residential clients in Chula Vista. It offers homeowners' insurance to cover liability, losses, and damages to property and belongings in case of fire, burglary, and other covered events. Its team has access to several carriers and assists customers in choosing suitable options. The company also provides other property coverages for renters and condos. Other policies offered include business, auto, and life insurance. The independent agency has been providing services for 50 years.

  • Renter's Insurance

345 F Street, Suite 160, Chula Vista, CA 91910
WebsiteLicense: 0633335

Expertise.com Rating

Review Sources

Google
4.8 (116)
Yelp
4.5 (8)

Why choose this provider?

Danny Patel is a State Farm agent providing home insurance products to clients in Chula Vista and the surrounding communities. He helps individuals protect their properties from damages caused by natural disasters, fire, and vandalism through homeowners' insurance plans. These plans also cover clients' musical instruments, cameras, sports equipment, furniture, appliances, and electronics. He also serves individuals who wish to add pet insurance to their homeowners' insurance policies. Patel is also available for life, disability, and liability insurance plans.

  • Personal Property Insurance

236 Jamacha Rd Ste 102, El Cajon, CA 92019

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Jenkins Financial Insurance Agency is a private, locally owned auto insurance agency that has served the Chula Vista, California, area since 1989. From its El Cajon office, the firm is able to provide California drivers with financial and medical coverage and property damage protection. In addition, the independent insurance agency offers customers the option to package auto insurance policies with other policies such as health, life, business, boat, home, and renters insurance.

  • Renter's Insurance
  • Fire
  • Personal Property Insurance

3443 Camino del Rio South, San Diego, CA 92108

Expertise.com Rating

Review Sources

Google
4.9 (58)
Yelp
5.0 (22)

Why choose this provider?

Richard Turners Insurance is an insurance agency that sells homeowners' insurance policies. It works with clients to help them find policies that offer the type and amount of coverage that they need. Clients can use this agency to purchase policies that cover the repair or replacement cost of their homes and possessions. Richard Turner Insurance facilitates the sale of each policy and acts as a contact point when clients need to make changes or claims. Auto, life, and business insurance policies are available as well.

  • Multiple Policy Types

2090 Otay Lakes Rd. Suite 102, Chula Vista, CA 91913
WebsiteLicense: 0424824

Expertise.com Rating

Review Sources

Google
4.9 (56)
Yelp
4.5 (11)

Why choose this provider?

Hoffman Honono Insurance is a family-owned and locally operated company that serves individuals, families, and businesses from Chula Vista and the surrounding areas. It provides homeowners' insurance policies with different types of coverage, including building, personal property, and personal liability. Other types of insurance plans that it offers include automobile, umbrella, and landlord insurance. The company is partnered with insurance carriers such as Travelers, Liberty Mutual, and Progressive. Hoffman Honono Insurance has been in operation for over six decades.

  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Safer Insurance Agency
337-D E SanYsiro Blvd, San Ysidro, CA 92173
Vianca's Insurance & Financial Services
737 3rd Ave Ste B, Chula Vista, CA 91910
Insurance 4 Less
11 Third Ave Ste D, Chula Vista, CA 91910
Altra Insurance
651 Palomar St A3, Chula Vista, CA 91911
Rapido Insurance Services
99 E Bonita Rd, Chula Vista, CA 91910
MGH Insurance Services Inc.
615 National City Blvd, National City, CA 91950
CSS Insurance Services, LLC
40 Third Avenue, Chula Vista, CA 91910
HUB
9855 Scranton Road, San Diego, CA 92121
Carlos Solorzano
1105 Broadway Suite #202, Chula Vista, CA 91911
Millan Group, Inc.
1096 Broadway, Chula Vista, CA 91911
Willy's Insurance Service Inc.
350 E Street, Chula Vista, CA 91910
Dave Scott - State Farm Insurance Agent
8110 La Jolla Shores Drive, La Jolla, CA 92037
Alcott Insurance Agency
3945 Idaho Street, San Diego, CA 92104
Chuck Miller Insurance Services Inc
8626 Jamacha Blvd, Spring Valley, CA 91977
Eastlake Insurance
884 Eastlake Parkway #1626, Chula Vista, CA 91914
Danny Patel
345 F Street, Suite 160, Chula Vista, CA 91910
Jenkins Financial Insurance Agency
236 Jamacha Rd Ste 102, El Cajon, CA 92019
Richard Turner Insurance
3443 Camino del Rio South, San Diego, CA 92108
Hoffman Honono Insurance
2090 Otay Lakes Rd. Suite 102, Chula Vista, CA 91913

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.
  • What is the rate of homeowners' insurance policies by deductible level in Chula Vista?

    In Chula Vista, a higher deductible amount means a cheaper homeowners' insurance policy rate. For example, policyholders responsible for a $1,000 deductible have an average annual homeowners' insurance rate of $781, while those with a deductible level of $5,000 have a $559 annual homeowners' insurance rate. Meanwhile, deductibles can be between 5% and 25% of the homeowners' insurance policy in Chula Vista.

  • Do homeowners' insurance policies cover medical payments in Chula Vista?

    In Chula Vista, homeowner's insurance policies cover medical expenses for those injured on the policyholder's property who have permission to be there, regardless of who was at fault. These payments may finance surgeries, ambulance rides, physical therapy, and hospital stays. However, medical expenses under homeowners' insurance policies do not cover the policyholders' injuries or injuries sustained by individuals residing in their household.

  • What are the inexpensive home insurance companies in Chula Vista?

    Policy buyers in Chula Vista may opt for Travelers, which offers home insurance with $250,000 in dwelling coverage and costs $1,249 per year. Current and former military members can apply for the USAA home insurance policies that cost $1,384 per year. On the other hand, property owners in Chula Vista looking for inexpensive home insurance companies and with $2 million in dwelling coverage may choose ASI, Universal North America, and Allstate.

  • What types of damage cover mobile home insurance policies in Chula Vista?

    Mobile home insurance policies in Chula Vista cover property damage resulting from fire, explosion, landslides and mudslides, and roof collapse from the weight of snow. Problems arising from human crude behaviors, like attempted or actual burglary and robbery, vandalism, and off-right-of-way collision, are also protected under mobile home insurance policies. In addition, it finances repairs caused by fallen trees, plumbing failures, and stray animals in Chula Vista.

  • How much is the cost of mobile home insurance policies in Chula Vista?

    In Chula Vista, the average cost of a mobile home insurance policy is between $500 and $1,100 annually; however, various factors, like deductibles, age of the mobile home, claim history, and location, may affect these rates. Mobile home insurance policies protect mobile homes, including their plumbing and electrical systems, from damage. It can also offer financial support for liability and cover personal items inside the premises, including musical instruments and furniture.

  • 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.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

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

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....