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Best Homeowners Insurance Agencies in Daly City, CA

Our Recommended Top 4

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 Daly City 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

14968 East 14th Street, San Leandro, CA 94578 Rating

Why choose this provider?

Pronto Insurance provides comprehensive insurance services to clients in the Daly City metro area. It helps customers to purchase insurance plans that cover their homes and possessions and advises them as they look for rates. It offers personal liability coverage to protect clients from any lawsuits they might face because of their property. Loss of use coverage is also available to pay for their expenses should they be unable to live inside their homes.

  • Renter's Insurance
  • Fire

950 John Daly Boulevard, Daly City, CA 94015 Rating

Review Sources

5.0 (8)
4.5 (7)
5.0 (1)

Why choose this provider?

Jaymi Wessell, State Farm Insurance Agent, is an insurance office that provides a variety of services to clients who need homeowners insurance. It services policies and provides information and support to clients that need to make claims ask about their policies. It can cover properties, additional structures, and personal property that clients have. Jaymi Wessell, State Farm Insurance Agent, also offers auto insurance, business insurance, life insurance, and health insurance plans.

  • Renter's Insurance
  • Multiple Policy Types

355 Gellert Boulevard, Daly City, CA 94015 Rating

Review Sources

5.0 (3)
5.0 (1)

Why choose this provider?

MIF Insurance Agency has been providing service to both American and Japanese communities in Daly City since 1942. It offers homeowners' insurance that protects its clients against fire, theft, vandalism, and other disasters on and outside the premises. A portion of the policy provides coverage for legal liability when someone gets injured within their property. The protections can also apply to condominium and renters' insurance policies also offered by the company.

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

6712 Mission Street, Daly City, CA 94014 Rating

Review Sources

4.5 (14)
4.0 (3)

Why choose this provider?

Smart Age Insurance Services has been serving the local community of Daly City as an insurance agency for more than 15 years. It offers a homeowners' insurance policy that will cover both the damage to the property and the client's liability or legal responsibility for injuries and property damages the client has caused other people. It will also cover damages caused by disasters like floods, fire, and earthquakes. The agency's other policies include auto, life, and health insurance.

  • Fire
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Pronto Insurance
14968 East 14th Street, San Leandro, CA 94578
Jaymi Wessell - State Farm Insurance Agent
950 John Daly Boulevard, Daly City, CA 94015
MIF Insurance Agency
355 Gellert Boulevard, Daly City, CA 94015
Smart Age Insurance Services
6712 Mission Street, Daly City, CA 94014


  • 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 determines the amount of your homeowners' insurance coverage in Daly City?

    The amount of your homeowners' insurance coverage in Daly City depends on the market value and the replacement cost of your property. As a policyholder, you must know your home's initial purchase price and the outstanding amount of your mortgage loan, if any. The value of your home is still affected by the presence of additional rooms or living spaces, unique characteristics, and kitchen and restroom upgrades.

  • In Daly City, can homeowners' insurance protect individuals from identity theft?

    Yes. Individuals in Daly City can be protected by adding identity theft protection coverage to their homeowners' insurance. Policyholders can safeguard their personal information and avoid cybercrime risks. They will be notified if there is any suspicious activity with their insurance cards, email addresses, credit or debit cards, and bank accounts.

  • In what circumstances does homeowners' insurance in Daly City cover earthquake damage?

    In Daly City, homeowners' insurance only covers losses if, for instance, an earthquake caused water line breaches or gas line ruptures that led to a fire. However, this coverage is not applicable if an earthquake or its aftereffects cause damage to your personal property. You can add earthquake insurance to your existing policy to help with earthquake-related costs, including structural repairs, temporary housing, and possession replacement.

  • How can policyholders lower their homeowners' insurance premiums in Daly City?

    Policyholders in Daly City may lower their homeowners' insurance premiums by adjusting their protection options. They may add another personal insurance and change or add coverage options. Using insurance-friendly construction materials like tile or concrete roofs can lower the insurance rates for their homes. If their properties have protective devices, such as fire extinguishers and smoke or burglar alarms, their insurance premiums can be lowered.

  • Can your homeowners' insurance protect you from service line damage costs in Daly City?

    Yes. You can protect yourself against financial losses by adding service line protection coverage to your homeowners' insurance in Daly City. Most insurance companies offer up to $10,000 service line coverage per occurrence for damage. This coverage applies to exterior underground service line damages, including sewer, water, and ground loop pipes.

  • 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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