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2024

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Best Homeowners Insurance Agencies in El Monte, CA

Our Recommended Top 8

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 El Monte 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.

73Reviewed

47Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

133 East Duarte Road, Arcadia, CA 91006

Expertise.com Rating

Review Sources

Yelp
4.5 (15)
Google
4.5 (8)
Facebook
5.0 (1)

Why choose this provider?

Abernathy Insurance Agency is a family-owned local agency that's been offering independent advice and services to customers in the San Gabriel Valley area since 1973. Its agents can tailor insurance policies from a wide range of carriers that provide homeowners with the protection they need for their properties against the costs of repairs. They can also use their experience to help the client know more about their insurer, such as their customer service reputation.

  • Personal Property Insurance

118 Las Tunas Drive, Arcadia, CA 91007

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
1.0 (1)

Why choose this provider?

Insurance Sales and Service has been offering insurance products with tailored coverages for El Monte-based individuals and businesses for over 60 years. Agents at this firm provide homeowners' insurance to safeguard clients in events of losses and damages caused by hurricanes, theft, and fire. The policy also gives protection from lawsuits if another person is injured at the client's home. Insurance Sales and Service also has policies that provide extra coverage for properties that are located in earthquake- or flood-prone areas.

  • Renter's Insurance
  • Flood
  • Earthquake

8935 Limonite Avenue, Riverside, CA 92509

Expertise.com Rating

Why choose this provider?

Delgados Insurance first opened its doors in 1998, since when the independent agency has helped many homeowners protect themselves from the costs of repairing their homes when the worst happens, such as fires, storms, and unforeseen accidents, such as burst pipes. Additionally, the agents can discuss supplementary insurance that covers valuable objects, such as art, and items damaged while outside the home, The agency also offers car and boat insurance services.

  • Personal Property Insurance

3206 Del Mar Avenue, Rosemead, CA 91770

Expertise.com Rating

Why choose this provider?

The Master Insurance Agency Inc. was founded in 1984 to serve Chinese and other Asian communities in the San Gabriel Valley. The agency has since grown to serve clients from every community in the area, arranging policies for every need, such as home insurance. Its agents can tailor homeowner policies that cover expected and unexpected repair costs caused by fires, storms, overflowing appliances, and earthquakes. Additionally, they can arrange policies to cover the costs of damaged personal items.

  • Multiple Policy Types

9932 Garvey Avenue, El Monte, CA 91733

Expertise.com Rating

Why choose this provider?

Cataño Insurance Brokers is an independent agency in El Monte that's been providing homeowner insurance products to clients in the surrounding communities for more than 20 years. Its agents can offer clients a range of policies from some of the biggest names in the industry that can cover their costs should their properties be damaged by natural disasters and unforeseen accidents. Cataño Insurance Brokers also operates from offices in Covina, Los Angeles, and Santa Ana.

  • Fire
  • Multiple Carriers

9814 Garvey Avenue, El Monte, CA 91733

Expertise.com Rating

Review Sources

Google
3.8 (5)

Why choose this provider?

El Monte Insurance Agency has been providing insurance policy options to residents and business property owners throughout the region for more than 33 years. Its homeowners' insurance policy protects the clients' homes financially in the case of damage or loss due to disasters. It covers hazard insurance such as fire damage. The private residences covered by the policy include houses, condominium units, mobile homes, and specialty homes. Flood and earthquake insurance are available separately.

  • Renter's Insurance
  • Flood
  • Earthquake

713 W Duarte Rd Ste D, Arcadia, CA 91007

Expertise.com Rating

Review Sources

Yelp
4.0 (8)
Google
5.0 (4)
Facebook
4.0 (4)

Why choose this provider?

Topco Insurance Agency Inc. has many years of experience helping homeowners find the right policies to cover their needs should a natural disaster or other unforeseen events require them to repair their properties. Its licensed agents can also assist with simplifying policies to help clients struggling to understand what's covered and recommend coverage that clients may have overlooked. Topco Insurance Agency Inc. can communicate fluently with clients in Chinese and English.

  • Multiple Policy Types

3736 Peck Rd, El Monte, CA 91731

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
3.0 (7)

Why choose this provider?

Amadeus Insurance Services is a locally-owned homeowners' insurance agency that serves residential property owners and renters in El Monte and the surrounding areas. Its team of insurance specialists works with more than 250 insurance providers in order to help its clients with finding the best possible home insurance plans for their homes. They represent top insurance companies including Allied Insurance, Covered California, Farmers, Foremost Insurance Group, Kemper, and Safeway Insurance.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Abernathy Insurance Agency
133 East Duarte Road, Arcadia, CA 91006
Insurance Sales and Service
118 Las Tunas Drive, Arcadia, CA 91007
Delgados Insurance
8935 Limonite Avenue, Riverside, CA 92509
The Master Insurance Agency, Inc
3206 Del Mar Avenue, Rosemead, CA 91770
Cataño Insurance Brokers
9932 Garvey Avenue, El Monte, CA 91733
El Monte Insurance Agency
9814 Garvey Avenue, El Monte, CA 91733
Topco Insurance Agency Inc.
713 W Duarte Rd Ste D, Arcadia, CA 91007
Amadeus Insurance Services
3736 Peck Rd, El Monte, CA 91731

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.
  • Is homeowners’ insurance hard to get in El Monte?

    Residents of El Monte and the rest of California have been experiencing an insurance crisis these recent years, as the growing frequency and severity of wildfires have led large insurers such as Allstate and State Farm to stop issuing new policies. Meanwhile, Farmers Insurance has canceled more than 1,000 homeowners’ insurance policies beginning in February 2023.

  • Does house age affect El Monte homeowners’ insurance costs?

    Those in El Monte with older homes may have to pay higher homeowners’ insurance premiums, as outdated utility systems and vintage construction materials are more expensive to replace. Likewise, those who live in areas with a high crime rate or are susceptible to natural disasters such as hurricanes, floods, and earthquakes may have to pay more for homeowners’ insurance.

  • What damage is covered by El Monte homeowners’ insurance?

    Standard homeowners’ insurance policies in El Monte typically cover damage caused by fires, windstorms, hail, lightning, vandalism, and theft. They also help cover the repair costs of frozen plumbing, heating, air conditioning, and other household systems. In addition, loss of use coverage helps pay for additional living expenses in the event that one’s home is temporarily uninhabitable.

  • Will El Monte homeowners’ insurance replace jewelry and other valuables?

    Most homeowners’ insurance policies in El Monte offer only a limited amount of coverage for jewelry and other valuables, such as golf clubs, silverware, goldware, coins and certain precious metals, and watercraft. However, homeowners may choose to take out endorsements or scheduled personal property coverage in order to protect these possessions.

  • Can El Monte residents report their homeowners’ insurance provider?

    Residents of El Monte who wish to report their homeowners’ insurance provider may file a complaint at the official website of the California Department of Insurance. The website also offers resources such as a home insurance finder tool. In addition, the department can assist individuals in Spanish through its hotline at 800-927-4357.

  • 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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