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2024

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Best Homeowners Insurance Agencies in Hawthorne, 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 Hawthorne 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.

57Reviewed

37Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

14829 Hawthorne Boulevard, Lawndale, CA 90260

Expertise.com Rating

Review Sources

Yelp
4.0 (9)
Google
5.0 (5)

Why choose this provider?

Lulu Camberos, a State Farm insurance agent, provides insurance policies in the Hawthorne area. These policies may involve business, auto, life, home, renters, finances, and more. The homeowners' insurance policy provides protection for items like jewelry, collectibles, musical instruments, sports equipment, appliances, furniture, and the like. It also helps protect clients from threats like lightning, wind or hail, fire, theft, and vandalism. The insurance does not, however, cover for business pursuits or professional services, earthquakes, and flood damages.

  • Multiple Policy Types

3300 Rosecrans Avenue, Hawthorne, CA 90250

Expertise.com Rating

Review Sources

Yelp
5.0 (9)
Facebook
5.0 (4)

Why choose this provider?

YourWay Insurance Services offers homeowners' insurance for clients in Hawthorne and nearby areas. The insurance agency has access to different carriers that can provide the appropriate coverage for homeowners in the greater Los Angeles area. It is dedicated to understanding clients' insurance needs and help them protect their largest investment from potential financial losses. Apart from homeowners and renters insurance, YourWay Insurance Services also offers auto insurance, motorcycle insurance, and commercial packages.

  • Renter's Insurance
  • Multiple Policy Types

10309 Hawthorne Boulevard, Inglewood, CA 90304

Expertise.com Rating

Review Sources

Google
5.0 (28)
Yelp
4.5 (11)

Why choose this provider?

Eric Hollan of Hollan Insurance Agency Inc is a State Farm insurance agent that serves clients in and around Hawthorne. As a State Farm agent, Hollan helps customers find the right policy for their needs, including homeowners' insurance policies. Home insurance helps protect homes and their contents, medical expenses, additional living expenses, and liabilities, depending on what the coverage includes. Aside from home insurance, Hollan provides auto, business, pet, health, life, and property insurance.

  • Multiple Policy Types

3922 Rosecrans Avenue, Hawthorne, CA 90250

Expertise.com Rating

Review Sources

Google
5.0 (28)
Yelp
4.0 (5)

Why choose this provider?

Mona's Auto Insurance- Hawthorne offers a full range of insurance products that includes home insurance. Its team of agents reviews policies from different providers in order to cover homeowners' unique needs and goals. The company provides home insurance policies that protect the property from hazards such as fires. The insurance professionals also assist clients in protecting mobile homes, specialty homes, and condominiums. Mona's Auto Insurance- Hawthorne works with over 20 carriers including Travelers, Progressive, Mercury Insurance, and The Hartford.

  • Multiple Policy Types

13658 Hawthorne Boulevard, Hawthorne, CA 90250

Expertise.com Rating

Review Sources

Google
4.7 (14)
Yelp
3.5 (6)
Facebook
5.0 (4)

Why choose this provider?

Lisa Simmons is a homeowners' insurance provider who caters to clients in Hawthorne and nearby areas. She has over 30 years of experience in the insurance industry. She works alongside State Farm to provide the appropriate insurance policy for each unique homeowner. A homeowners' insurance policy can cover repairs and replacements in the home, including personal belongings, in case of unexpected incidents. Simmons also provides automobile insurance, motorcycle insurance, earthquake insurance, and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1905 South Western Avenue, Los Angeles, CA 90018

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
5.0 (1)

Why choose this provider?

Starco Insurance offers a variety of personal insurance products for clients in Hawthorne and throughout its surrounding areas. This agency's home insurance policies help families protect their homes and belongings against extreme financial loss resulting from disasters. It also offers an array of other policy types, including renters, motorcycle, auto, business, and umbrella insurance. Starco Insurance is licensed to sell insurance throughout California. Claims can be filed online or over the phone.

  • Renter's Insurance
  • Personal Property Insurance

15901 Hawthorne Blvd, Lawndale, CA 90260-2657

Expertise.com Rating

Review Sources

Facebook
4.0 (4)
Google
5.0 (2)
Yelp
3.0 (2)

Why choose this provider?

Pacific Unified Insurance carries personal and commercial insurance lines in Hawthorne. With over nine decades of experience providing insurance solutions, this company works with homeowners to mitigate financial losses, whether due to windstorms, fires, or other covered risks. Its insurance professionals inform homeowners of coverage options, including liability defense lawsuits, structural damages, personal property loss, and valuable items like jewelry and artwork. Policyholders also receive compensation for living expenses in case of temporary loss of use.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Lulu Camberos - State Farm Insurance Agent
14829 Hawthorne Boulevard, Lawndale, CA 90260
YourWay Insurance Services
3300 Rosecrans Avenue, Hawthorne, CA 90250
Eric Hollan - State Farm Insurance Agent
10309 Hawthorne Boulevard, Inglewood, CA 90304
Mona’s Auto Insurance- Hawthorne
3922 Rosecrans Avenue, Hawthorne, CA 90250
Lisa Simmons - State Farm Insurance Agent
13658 Hawthorne Boulevard, Hawthorne, CA 90250
Starco Insurance
1905 South Western Avenue, Los Angeles, CA 90018
Pacific Unified Insurance
15901 Hawthorne Blvd, Lawndale, CA 90260-2657

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 there a local organization in Hawthorne that can help families and individuals find cost-effective homeowners insurance?

    When shopping for insurance, Hawthorne residents can use the California Department of Insurance (CDI) to compare similar coverage details. The CDI provides online rate comparisons on their website or by calling 1-800-927-HELP. Homeowner and renter insurance premiums can vary greatly between companies. Property location, local fire protection, building age and structure, deductible options, and coverage scope are all factors that influence rates.

  • Will using a public adjuster in Hawthorne for a homeowners insurance claim lead to increased rates?

    Using a public adjuster does not directly increase the cost of a homeowners insurance policy in Hawthorne. However, filing a claim may trigger an underwriting review, which may result in changes to your policy rates or coverage. The California Department of Insurance works hard to reduce the use it and lose it mentality that is prevalent in the insurance industry.

  • How is a refund determined for a Hawthorne resident who cancels their insurance policy, and what happens to broker fees?

    When Hawthorne homeowners cancel their insurance, many carriers use the short rate method, keeping a portion of the unearned premium for overhead. Others might use the pro-rata method. The policy agreement specifies the exact procedure. If a broker was involved, the fee could be kept unless there was misconduct. Unresolved broker fee disputes may be submitted to the California Department of Insurance for review.

  • How do California's Fair Claims Settlement Practices Regulations affect the timeline and amount of claim payments for Hawthorne homeowners?

    California's Fair Claims Settlement Practices Regulations require insurance companies to settle claims fairly. The payout timeline for Hawthorne homeowners can range from days to weeks, depending on the claim complexity, documentation accuracy, and the appointed insurance adjuster. While these rules protect homeowners, the California Department of Insurance will not negotiate with insurers on your behalf. Longer wait times and fewer settlements may result from inexperience.

  • How can residents of Hawthorne deal with high homeowners insurance premiums or denials in California?

    Residents of Hawthorne who face high insurance premiums or denials have options. Insurers may deny coverage based on previous claims, the condition of the property, or if the home is located in a high-risk area. Homeowners, on the other hand, can appeal these decisions. They can also look into specialized programs such as California's FAIR Plan. To reduce premiums, homeowners may consider improving security, consolidating insurance plans, adjusting deductibles, or strengthening the home's disaster resistance.

  • 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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