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2024

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Best Homeowners Insurance Agencies in El Cajon, CA

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored El Cajon 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.

64Reviewed

40Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3579 Fifth Avenue, San Diego, CA 92103

Expertise.com Rating

Review Sources

Yelp
5.0 (37)
Facebook
5.0 (7)
Google
5.0 (5)

Why choose this provider?

Daiju Yamaguchi Yoshino Insurance Agency specializes in helping put homeowners in touch with the best policies for their circumstances and budgets. The agency can access Farmer policies that cover homes against damage from natural disasters, such as fires and storms, and unfortunate events, such as burst pipes and burglary. Additionally, it can offer extended coverage for personal items outside the home and limited liability against claims from visitors injured on the premises.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1083 Broadway, El Cajon, CA 92021

Expertise.com Rating

Review Sources

Google
4.4 (34)
Yelp
4.0 (14)

Why choose this provider?

Bethel Insurance Services has been providing insurance solutions to clients in El Cajon since 1988. Its products include homeowners' insurance, which provides claims when a home is damaged or destroyed through fire, theft, vandalism, and other events. It also provides coverage for when someone is injured while inside one's property. The agency also provides coverage for additional living expenses while damage is being assessed and the home is being repaired or built.

  • Multiple Policy Types

1941 Friendship Dr F, El Cajon, CA 92020

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Business & Contractors Insurance aids to the insurance needs of clients in El Cajon, California. It offers comprehensive homeowners' insurance plans inclusive of property coverage, personal property coverage, liability coverage, medical expenses, and living expenses. Supplementary policies such as personal umbrella, flood, earthquake, and jewelry insurance may also be added on top of basic homeowners' policies. Other personal insurance products include auto, condo, and renters' insurance. The company also offers a broad selection of business and commercial insurances, from workers' compensation to commercial umbrella coverage.

  • Multiple Policy Types

9699 Tierra Grande Street, San Diego, CA 92126

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (8)

Why choose this provider?

B.H. Gold Insurance Agency is an independent agency that can source a wide range of policies offered by its partners that provide the coverage its customers need with premiums they can afford. Its agents have years of experience arranging home insurance policies for primary homes, second homes, and investment properties. The policies can provide coverage for unexpected problems, such as burst pipes, and natural disasters that cause major structural damage.

  • Personal Property Insurance
  • Multiple Policy Types

2295 Fletcher Parkway, El Cajon, CA 92020

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
4.0 (8)

Why choose this provider?

Kennedy Insurance Agency is a locally-owned homeowners' insurance provider. It has been servicing clients in El Cajon and nearby areas since 1987. The agency is focused on finding the right kind of coverage for residential property owners—a financial safeguard for homeowners to protect their homes from theft, fires, and vandalism. Its policy options include property insurance, renters' insurance, mobile home insurance, and condo insurance. It also offers combined home and auto insurance coverage with better benefits.

  • Multiple Policy Types

1685 Metro Avenue, Chula Vista, CA 91915

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Jose Doria has been a State Farm insurance agent since 1982. He serves homeowners in the El Cajon metro area and also specializes in state-to-state transfers. The licensed agent can help tailor policies for customers that will cover their costs should a natural disaster cause major damage to their home or an unexpected event, such as a fire, cause partial damage. Additionally, he can arrange life, health, auto, and pet policies.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Daiju Yamaguchi Insurance Agency
3579 Fifth Avenue, San Diego, CA 92103
Bethel Insurance Services
1083 Broadway, El Cajon, CA 92021
Business & Contractors Insurance
1941 Friendship Dr F, El Cajon, CA 92020
B.H. Gold Insurance Agency
9699 Tierra Grande Street, San Diego, CA 92126
Kennedy Insurance Agency
2295 Fletcher Parkway, El Cajon, CA 92020
Jose Doria - State Farm Insurance Agent
1685 Metro Avenue, Chula Vista, CA 91915

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.
  • In El Cajon, is homeowners' insurance the same as a home warranty?

    No. Homeowners' insurance and home warranty are different. A home warranty is a contract that typically lasts for 12 months. It provides for replacements or repairs of home systems and various types of appliances, such as water heaters, ovens, and dryers. In contrast, homeowners' insurance can also cover costs for repairing your damaged home, as well as your personal belongings and medical expenses when someone gets injured in your home.

  • Are frozen pipes covered by homeowners' insurance in El Cajon?

    Yes. Damages due to frozen, leaking, and burst pipes can be covered by homeowners' insurance in El Cajon. However, if the frozen pipes are caused by poor temperature maintenance, the damages may not be covered by the homeowners' insurance policy. You may check your insurance terms and limits to see how much coverage you have for burst pipe damages.

  • Can protective devices in your home in El Cajon help you save on your homeowners' insurance?

    Yes. If your home is equipped with security and fire protective devices and smart home technology, it may help you save money on your homeowners' insurance in El Cajon. You can save if your home has smoke detectors, automatic water shut-off and interior sprinkler systems, and home technology that notifies you when there is a burglar.

  • Can your homeowners' insurance policy protect your belongings during a move in El Cajon?

    No. In El Cajon, homeowners' insurance does not cover personal belongings during a move. However, for interstate moving, you can acquire an insurance policy from moving companies as mandated by federal law. You can obtain full value protection coverage, which pays for an item's current market replacement value, and released value coverage, which pays up to 60 cents per pound of an item.

  • Can dog breeds affect your homeowners' insurance application in El Cajon?

    It depends. Your homeowners' insurance application in El Cajon may be affected if you own a dog with a vicious temperament or a history of bites or attacks. Most insurance companies do not provide coverage for individuals who own pit bulls, rottweilers, Doberman pinschers, German shepherds, Alaskan Malamute, and chow chows.

  • 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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