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2024

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Best Homeowners Insurance Agencies in Huntington Beach, CA

Our Recommended Top 9

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Huntington Beach 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.

118Reviewed

74Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7901 Professional Circle, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Google
5.0 (174)
Yelp
5.0 (29)
Facebook
5.0 (14)

Why choose this provider?

Huntington Pacific Insurance Agency is a local agency with its office located in Huntington Beach. Insurance agents at this agency provide homeowners' insurance plans with tailored coverage that matches the personal needs of clients. The common coverages of an insurance policy include dwelling, other structures, loss of use, personal property, scheduled personal property, and personal liability. Huntington Pacific Insurance Agency also offers other personal line products that include auto, specialty dwelling, and life insurances.

  • Renter's Insurance
  • Flood
  • Condos

18141 Beach Blvd 250, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Google
4.6 (9)
Yelp
5.0 (1)

Why choose this provider?

SoCal Insurance & Financial Services is a full-service agency in Huntington Beach, owned and managed by Kari Eisenacher. She and her team bring over 35 years of combined industry experience to the table. They assist clients with various insurance needs, such as condominium insurance, homeowner insurance, Airbnb insurance, Uber & Lyft insurance, personal auto insurance, classic car insurance, and more. Kari also works one-on-one with clients to analyze their future goals and help them create customized retirement plans suited to their unique needs.

  • Condos
  • Multiple Carriers

19900 Beach Blvd f1, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Western Republic Insurance Services is a team of independent insurance agents located in Huntington Beach. Included in its insurance product offerings is homeowners insurance. The agents conduct policy reviews for clients and help them understand the extent of coverage under their policies. The professionals also offer supplemental insurance coverage options that may be suitable for clients' needs. Aside from home insurance, Western Republic Insurance Services also assists clients with renters insurance, condominium insurance, classic car insurance, and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

7561 Center Avenue, Huntington Beach, CA 92647

Expertise.com Rating

Review Sources

Yelp
5.0 (6)
Facebook
5.0 (1)

Why choose this provider?

DIAI Insurance Brokerage, Inc., is an insurance company operating in Huntington Beach. The company covers homeowners to protect their home and their belongings. This includes any theft, fire damage, earthquakes, and other kinds of damage or disasters. It also covers any additional living expenses and repairs. DIAI also offers insurance for those affected by a personal injury or loss, auto-vehicular damage, and emergency situations. The family-owned company has been praised by previous clients for professional conduct and prompt response.

  • Multiple Policy Types

16742 Gothard St #217, Huntington Beach, CA 92647

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (7)
Yelp
4.0 (5)

Why choose this provider?

First West Insurance has been providing insurance products and services since 1972. It serves Californians in the Huntington Beach area who are looking for insurance policies to protect their residential properties. It offers comprehensive homeowners' insurance policies with coverage options for the dwelling and other structures, personal liability, medical expenses, additional living expenses, personal property, and scheduled personal property. Supplementary policies, such as personal umbrella and flood insurance, are also available. It also offers other insurance products, including boat insurance, life insurance, and auto insurance.

  • Condos
  • Personal Property Insurance
  • Flood

305 17th St, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Yelp
4.5 (10)
Google
4.8 (4)

Why choose this provider?

Bannister & Associates Insurance is an independent firm and broker that has been serving the community of Huntington Beach with homeowners' insurance since 1974. It represents various insurance carriers to meet the diverse requirements of its clientele. This accessibility to multiple markets can allow flexibility in customizing the customers' coverages. For those with existing policies, it provides assistance in navigating through the claims process and communicating with insurance adjusters. The firm also offers health and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

4952 Warner Avenue, Huntington Beach, CA 92649

Expertise.com Rating

Review Sources

Yelp
5.0 (19)
Facebook
5.0 (4)
Google
4.0 (3)

Why choose this provider?

Gardner Insurance Agency is a California-based insurance agency with offices in Los Angeles and Orange County, including Huntington Beach. The agency, which has been in operation for more than six decades, helps clients find homeowners' insurance coverage tailored to their specific needs. It offers homeowners' insurance policies that cover the structures of properties, liabilities, personal possessions, replacement costs, and living expenses in case of a disaster. In addition, Gardner Insurance Agency also provides renters' protection, condo, landlord, and personal auto insurance.

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

5922 Warner Avenue, Huntington Beach, CA 92649

Expertise.com Rating

Review Sources

Google
5.0 (229)
Yelp
4.5 (17)
Facebook
5.0 (5)

Why choose this provider?

Ric Weissinger is a Huntington Beach-based State Farm insurance agent who provides insurance services. Weissinger, together with his team of eight, assists clients with insurance policies, including homeowners' insurance. Homeowners' insurance includes coverage for property damage. It also provides protection for personal belongings. Weissinger's family has been in the insurance industry for more than 60 years, with his father having worked as a State Farm agent for over five decades. Weissinger's team has 133 years of combined industry experience.

  • Renter's Insurance

9114 Adams Avenue, Huntington Beach, CA 92646

Expertise.com Rating

Review Sources

Yelp
3.5 (2)
Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Located in Huntington Beach, Adams Avenue Insurance Agency was founded by Dave and Cindi Ortolf in 2005. The company offers different personal insurance programs, including homeowners insurance. This insurance allows people to get a quote for a new home and receive their homeowner's policy in less than a day. Dave and Cindi have a combined experience of over 60 years in the insurance industry. AAIA also offers personal auto insurance and flood insurance.

  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Huntington Pacific Insurance Agency
7901 Professional Circle, Huntington Beach, CA 92648
SoCal Insurance & Financial Services
18141 Beach Blvd 250, Huntington Beach, CA 92648
Western Republic Insurance Services
19900 Beach Blvd f1, Huntington Beach, CA 92648
DIAI Insurance Brokerage, Inc.
7561 Center Avenue, Huntington Beach, CA 92647
First West Insurance
16742 Gothard St #217, Huntington Beach, CA 92647
baiquote.com
305 17th St, Huntington Beach, CA 92648
Gardner Insurance Agency
4952 Warner Avenue, Huntington Beach, CA 92649
Ric Weissinger - State Farm Insurance Agent
5922 Warner Avenue, Huntington Beach, CA 92649
Adams Avenue Insurance Agency
9114 Adams Avenue, Huntington Beach, CA 92646

Huntington Beach, CA Homeowners Insurance Agency FAQs

  • Are home upgrades or renovations covered by homeowners’ insurance in Huntington Beach?

    The coverage of home upgrades or renovations by homeowners' insurance in Huntington Beach depends on the scale of your project. It's important to assess your policy before initiating any work to guarantee enough coverage for potential scenarios like worker injuries and damage to your possessions throughout the construction phase. Additionally, you should ensure sufficient coverage for your improved home post-project completion.

  • Can you dispute a claim decision made by your insurer in Huntington Beach?

    Yes. In dealing with a denied homeowners' insurance claim in Huntington Beach, the initial step is to assess the policy for comprehension of coverage and reasons for the denial. It is crucial to collect supporting evidence, contemplate engaging a public adjuster, and present a written appeal. If required, lodging a complaint with the state insurance authority or considering mediation can assist in finding a solution. Litigation should only be considered as a final option due to its expense and complexity.

  • What can you do if your homeowners’ insurance policy is not renewed in Huntington Beach?

    When your homeowners' insurance policy is not renewed in Huntington Beach, you should act promptly. Insurers usually provide non-renewal notices 60 days ahead of expiration. Contact your insurer or agent to explore preventing non-renewal by mitigating property risks. You should also start looking for alternative coverage, even if your current insurer offers temporary retention. Also, check with your agent about replacement coverage possibilities. You may also consider the California FAIR Plan as a last resort.

  • Are floods covered by standard homeowners' insurance in Huntington Beach?

    No. Standard homeowners' insurance policies in Huntington Beach do not provide coverage for flood damage. This means that if your property suffers damage due to flooding, your regular homeowners' insurance policy will not compensate for the losses. However, in Huntington Beach, there is an option to purchase a separate flood insurance policy. This additional policy can also be acquired through the National Flood Insurance Program (NFIP).

  • Do you need to take an inventory of all your possessions in Huntington Beach for homeowners’ insurance?

    Although it is not obligatory to make an exhaustive inventory of your belongings for homeowners' insurance in Huntington Beach, it is strongly recommended. Maintaining a detailed list of your possessions can be extremely advantageous if you encounter loss or damage and require insurance claim assistance. This will ensure you obtain suitable reimbursement for your losses.

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