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2024

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Best Homeowners Insurance Agencies in Elk Grove, 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 Elk Grove 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.

101Reviewed

63Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8827 Elk Grove Blvd, Elk Grove, CA 95624-1766

Expertise.com Rating

Review Sources

Google
4.9 (75)
Yelp
4.0 (24)
Facebook
5.0 (7)

Why choose this provider?

Rigo Delatorre - State Farm Insurance Agent provides insurance services to homeowners in Elk Grove. Since the state is at high risk for earthquakes, the company offers insurance that covers earthquake damage, which standard homeowners insurance does not include. This type of insurance premium can help homeowners in handling the repair and replacement costs of the structure of their homes if an earthquake occurs. Aside from earthquake insurance, the agency also has insurance packages for condominium owners and renters.

  • Multiple Policy Types

10063 Folsom Boulevard, Sacramento, CA 95827

Expertise.com Rating

Review Sources

Google
4.6 (15)

Why choose this provider?

Titanic Insurance Services is a company founded in 2007 by Paul Prok, who already had many years of experience helping customers find the best policies for their needs. The agency frequently assists homeowners looking for coverage against the costs of major repairs caused by earthquakes, fires, hurricanes, and flooding. As its an independent agency, it can offer customers a choice of similar products from multiple carriers. Mr. Prok is fluent in English and Russian.

  • Multiple Policy Types

9594 2nd Avenue, Elk Grove, CA 95624

Expertise.com Rating

Review Sources

Facebook
4.5 (11)
Google
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Based in California, MVH Insurance is an insurance agency providing services to clients in Elk Grove. Its team of insurance agents specializes in homeowners insurance and is capable of constructing policies that provide exhaustive coverage and protection to clients seeking to secure their residence. It also offers a broad range of insurance coverage and products, from life insurance to wedding protection plans and special event insurance. MVH Insurance was established in 1976 and has been operated by independent agents since its inception.

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

9299 East Stockton Boulevard, Elk Grove, CA 95624

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (3)

Why choose this provider?

Woodel Insurance Services helps provides protection to properties in and around Elkgrove. The homeowners' insurance agency provides options that cover different aspects of the home, including the physical structure of the house, replacement costs, and personal possessions. The insurance packages also include coverage for liability and additional living expenses. Woodel Insurance Services also offers additional policies to cover valuables, umbrella insurances, and animal liability. Woodel Insurance Services can also insure recreational vehicles.

  • Renter's Insurance
  • Flood
  • Fire

455 University Avenue, Sacramento, CA 95825

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

The Greenspan Co. / Adjusters International has been helping clients deal with their insurance claims since the 1940s. Operating in California, Nevada, and Arizona, its licensed adjusters routinely assist homeowners faced with the challenges of fully preparing their claims and submitting them to their insurance companies. The adjusters have years of experience uncovering every aspect of the home and its contents that can be claimed. The Greenspan Co. / Adjusters International only works for its clients, not insurance companies.

  • Personal Property Insurance

180 Promenade Circle, Sacramento, CA 95834

Expertise.com Rating

Review Sources

Yelp
4.0 (4)

Why choose this provider?

Ice Insurance Agency LLC is an independent agency that's licensed to provide a choice of policies from major insurers to clients throughout California. The agency can discuss a range of options for homeowners, tailoring policies to suit their unique needs and budgets. This includes policies that will meet the costs of restoring a home damaged by fire, earthquakes, and flooding. Additionally, the agency can discuss insurance for the home's personal property, such as art and electronics.

  • Fire
  • Multiple Policy Types
  • Flood

9245 Laguna Springs Drive, Elk Grove, CA 95758

Expertise.com Rating

Review Sources

Google
5.0 (50)
Yelp
3.5 (17)

Why choose this provider?

Provence is a homeowners insurance agency that serves clients in the Elk Grove area. Its team consists of competent and results-oriented insurance professionals who can provide comprehensive insurance policies that match the homeowner's budget and needs. Also, they can help their clients get other personal insurance plans including auto insurance, motorcycle insurance, RV insurance, and watersports insurance. Since 1998, the Provence team has also been providing business and commercial insurance.

  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Rigo Delatorre - State Farm Insurance Agent
8827 Elk Grove Blvd, Elk Grove, CA 95624-1766
titanicinsurance.com
10063 Folsom Boulevard, Sacramento, CA 95827
MVH Insurance
9594 2nd Avenue, Elk Grove, CA 95624
Woodel Insurance
9299 East Stockton Boulevard, Elk Grove, CA 95624
greenspanai.com
455 University Avenue, Sacramento, CA 95825
Ice Insurance Agency, LLC
180 Promenade Circle, Sacramento, CA 95834
Provence
9245 Laguna Springs Drive, Elk Grove, CA 95758

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.
  • Will a standard home insurance policy in Elk Grove cover a home's foundation?

    Damage to a home's foundation is unlikely to be covered by standard Elk Grove home insurance. However, it would be dependent on the cause of the damage. Fire, falling objects, aircraft damage, and explosions are usually covered, but floods, tree root pressure, and earthquakes are not. Natural causes such as foundation shrinking, bulging, and settling are also not covered.

  • What should you do as soon as you purchase a homeowner's insurance policy in Elk Grove?

    All of your valuable possessions, including cameras, computers, jewelry, and fine china, should be recorded. Take photographs of these items and jot down their estimated values so that you do not have to recall everything when filing a claim. Notify the insurance company if you possess extremely valuable jewelry and provide the replacement cost. Additionally, you must inform the Elk Grove insurance company of any unique features that may increase the property's value. Such elements include custom woodwork, pricey marble, and French doors. This can guarantee coverage for these expenses.

  • When should you get a California FAIR Plan in Elk Grove?

    If traditional insurance companies will not insure your Elk Grove property, you can purchase a California FAIR Plan. It can cover properties in both rural and urban areas and assists homeowners with high-risk properties until they can obtain coverage from a traditional insurance carrier. The majority of the perils covered in the plan are fire, lightning, smoke, and internal explosions. There will be add-on options for coverage against vandalism and mischief.

  • Will your Elk Grove homeowner's insurance cover your home business?

    In most cases, no. Because homeowner's insurance is not designed to insure your home for business use, it may only provide limited coverage, such as computer repair or replacement. If you require broader protection, you should purchase Elk Grove business owner's insurance. This policy will protect your company against general liability and property damage.

  • What factors can affect the cost of your RV insurance in Elk Grove?

    Your travel trailer or motorhome's insurance premium in Elk Grove depends on its condition, age, make, and model. This indicates that a pop-up camper will be less expensive to insure than a new-model motorhome. The frequency with which you use your motorhome also affects your insurance costs. If the RV is your permanent residence, the insurance will be more expensive than if you only use it for seasonal travel. Your driving record will also impact the cost of your RV insurance premiums. If you have tickets on record, the price will be higher.

  • 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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