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2024

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Best Homeowners Insurance Agencies in Hayward, CA

Our Recommended Top 5

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Hayward 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.

94Reviewed

58Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2209 American Avenue, Hayward, CA 94545

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

J and M Insurance seeks to protect clients and their families from possible losses and damages caused by various disasters. The Hayward-based company helps homeowners in selecting insurance plans that suit their needs. Its team of experienced agents partners with more than 25 insurance providers to give clients insurance coverage for flood, earthquake, and fire issues. They also offer packages for renters, landlords, and condominium owners as well as personal umbrella insurance.

  • Multiple Policy Types
  • Earthquake
  • Flood

5960 Stoneridge Drive, Pleasanton, CA 94588

Expertise.com Rating

Review Sources

Yelp
4.0 (26)

Why choose this provider?

Cal Coast Insurance Services~ dba Mission Peak Insurance Services LLC is a full-service agency that serves the Hayward area. The company's line of products includes homeowners' insurance. Its team of agents provides clients with home insurance policies that include guaranteed replacement cost coverage. This type of home insurance plan covers all the costs involved in rebuilding a home after a disaster. The agency also assists homeowners with condo insurance, mobile home insurance, flood insurance, and renters' insurance.

  • Multiple Policy Types

24301 Southland Dr, Hayward, CA 94545

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Henry Rice Insurance Solutions has been serving the Hayward metro area for more than 20 years. The company guides individuals and families in seeking financial protection for their homes and personal belongings through a homeowners' insurance policy. Its agents also assist policyholders in filing claims for property damages, lost or stolen valuables, and the medical expenses of injured guests. Other offerings include auto, motorcycle, boat and recreational vehicle, life and health, and business insurance policies.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

31080 Union City Blvd #201, Union City, CA 94587

Expertise.com Rating

Review Sources

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

Why choose this provider?

Gill Financial & Insurance Services is an independent insurance agency that caters to homeowners' needs in Hayward. Among its offered policies is the homeowners' insurance, which helps clients claim settlements from damages. It protects clients financially when they suffer losses because of a fire, theft, vandalism, or other disasters. It also provides coverage whenever someone injured in the property wins a legal judgment against the client. The agency has been in the insurance industry since 1993.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

7011 Koll Center Parkway, Pleasanton, CA 94566

Expertise.com Rating

Review Sources

Yelp
4.5 (6)
Facebook
5.0 (4)

Why choose this provider?

Charles Katz Insurance Services is an independent insurance agency that provides insurance services like homeowners' insurance to clients in Hayward. The agency aims to find the right policy that will suit their clients' differing needs, combined with competitive rates and quality service from insurance companies. It has a team of home insurance specialists that can customize a package that can cover the clients' needs and risks. Charles Katz Insurance Services also offers home insurance to vacation homes, beach homes, secondary residences, rental dwellings, and high-value homes.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
J and M Insurance
2209 American Avenue, Hayward, CA 94545
Cal Coast Insurance Services~ dba Mission Peak Insurance Services LLC
5960 Stoneridge Drive, Pleasanton, CA 94588
Henry Rice Insurance Solutions
24301 Southland Dr, Hayward, CA 94545
Gill Financial & Insurance Services
31080 Union City Blvd #201, Union City, CA 94587
Charles Katz Insurance Services
7011 Koll Center Parkway, Pleasanton, CA 94566

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.
  • Are Hayward loan borrowers required to have homeowners’ insurance?

    Those in Hayward who wish to purchase a residence through a home loan are required by California law to have homeowners’ insurance. Their policy must have a dwelling coverage minimum of $200,000, a $1,000 minimum deductible, and a $100,000 liability coverage minimum. However, the hazards that the policy covers may depend on the insurance provider.

  • How much is earthquake insurance for Hayward homeowners?

    As of 2023, homeowners in Hayward and the rest of Alameda County pay an average of $6.47 per thousand dollars of coverage for earthquake insurance. Homeowners’ insurance typically does not provide coverage for earthquakes. Although state laws do not require earthquake insurance, California is home to a significant number of active fault lines.

  • Should Hayward homeowners take out flood insurance?

    It may be prudent for homeowners in Hayward to ensure that their homeowners’ insurance policy covers flooding, as the area has a Flood Vulnerability Score of 73.5 out of 100. In fact, according to data published by Insurify and the University of Notre Dame, Hayward ranks 12th in the top 20 U.S. cities that are the most vulnerable to flooding.

  • What factors affect one’s Hayward homeowners’ insurance premiums?

    The main factors that affect one’s homeowners’ insurance premium in Hayward are the coverage amount and one’s personal claim history. Insurance providers also take a look at the home’s location, crime rate in the neighborhood, number of primary inhabitants, age of the home, and state of its conditions and materials.

  • What discounts apply to Hayward homeowners’ insurance policies?

    Those in Hayward who purchase both homeowners’ and auto insurance from the same provider may be offered a multi-policy discount. Better rates may also be available to those who have never reported claims before or who have a credit score higher than 700. Some providers also offer secured home discounts for those who have security features such as extinguishers and burglar alarms.

  • 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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