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2024

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Best Homeowners Insurance Agencies in Indio, CA

Our Recommended Top 10

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 Indio 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.

59Reviewed

39Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

68955 Ramon Road, Cathedral City, CA 92234

Expertise.com Rating

Why choose this provider?

Located near Indio, Safer Insurance Agency provides home and auto insurance policies from a variety of carriers. Its team of professional, licensed agents, help homeowners to find comprehensive insurance policies that cover their houses in the event of a disaster, as well as the contents they store inside. Other insurance options provided by this agency include auto and life insurance. It also provides bonds and DMV registration services. Some of the carriers that Safe Insurance Agency partners with include GMAC and Commerce West Insurance.

  • Fire
  • Multiple Policy Types

75-108 Gerald Ford Drive, Palm Desert, CA 922111

Expertise.com Rating

Why choose this provider?

S.O.S. First Insurance is an Indio-based insurance agency that offers personal home insurance options that cover clients against disasters and accidents in the home, as well as on their properties. Additionally, the company offers an array of business insurance options, as well as general liability and umbrella insurance. Agents strive to provide client-focused service and to find each customer the best possible rates on insurance that meets their unique needs.

  • Multiple Policy Types

81709 Doctor Carreon Boulevard, Indio, CA 92201

Expertise.com Rating

Review Sources

Google
4.3 (23)
Yelp
3.5 (13)
Facebook
5.0 (2)

Why choose this provider?

Carmen Contreras State Farm Insurance Agent helps those who are local to the Indio area obtain State Farm homeowners' insurance policies. She works with her clients to help them determine how much coverage they need and what type, and consistently offers opportunities to bundle home insurance with other policies to help them save money. Other insurance products offered by this agent include auto, business, life, and health. Carmen Contreras and her team are available 24 hours a day.

  • Multiple Policy Types

44967 Oasis Street, Indio, CA 92201

Expertise.com Rating

Review Sources

Google
5.0 (411)
Yelp
4.5 (13)

Why choose this provider?

Indio-based Palm Valley Insurance is an independent insurance agency that offers insurance products to clients in the metro. One of its personal offerings is its homeowners' insurance, which helps clients financially protect their properties and belongings from hazards, damages. natural disasters, and losses. The plans under this insurance also cover homeowners' liability, as well as living expenses during a temporary vacation from the premises due to repairs, replacements, or renovations.

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

909 Crossley Road, Palm Springs, CA 92264

Expertise.com Rating

Review Sources

Yelp
5.0 (49)
Google
4.9 (27)
Facebook
5.0 (1)

Why choose this provider?

Canyon Pacific Insurance Services offers homeowners' insurance policies for residents of the Indio area. This agency helps its clients find solutions from trusted carriers, providing sound advice with regards to coverage amounts and policy add-ons. In addition to home insurance, this company also provides auto, life, health, and business policies. Some of the carriers that Canyon Pacific Insurance Services is partnered with include Infinity, Mercury Insurance Group, and LSI Insurance Services.

  • Renter's Insurance
  • Condos

81713 California 111, Indio, CA 92201

Expertise.com Rating

Review Sources

Google
5.0 (67)
Yelp
5.0 (3)

Why choose this provider?

Desert Cornerstone Insurance Service, Inc., is an agency that services Indio area residents in need of professional assistance in home insurance matters. The firm offers support in determining insurance policies that fit clients' needs to cover costs for repairs following disaster-driven property damages. Desert Cornerstone Insurance Service also handles coverage issues associated with reconstruction, liabilities, and ongoing mortgage loan payments. The agency was established by Matthew List in 2006 and also provides support for auto, health, and business insurance.

  • Multiple Policy Types

81-953 Hwy 111 Ste. 1, Indio, CA 92201

Expertise.com Rating

Review Sources

Google
4.6 (22)

Why choose this provider?

Avila Insurance Agency provides insurance coverage for individuals and businesses in Indio and the surrounding areas. The company's agents, who have 50 years of combined experience in the field, help homeowners protect their homes and personal belongings in the event of damage or loss due to unforeseen events. They also provide renters' insurance, which covers the personal belongings of tenants who are not covered by their landlord's insurance. They also deal with auto and Mexican insurance.

  • Multiple Policy Types

4633 Ramon Road, Palm Springs, CA 92264

Expertise.com Rating

Why choose this provider?

Dean Mofidi Insurance Services helps homeowners in the Indio area obtain insurance coverage. Its team provides detailed quotes, helping clients to determine what they're covered for under each potential policy and which rates provide them with the best value. Policies can also include earthquake and flood insurance if clients desire. In addition to home insurance, this agency also offers auto and commercial insurance, as well as surety bonds and DMV services.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

1555 South Palm Canyon Drive, Palm Springs, CA 92264

Expertise.com Rating

Why choose this provider?

Weingarten Hough Insurance Agents and Brokers sells home insurance policies in the Indio area. Its agents shop for policies from a variety of top carriers when providing quotes and offer assistance in policy changes, as well as with the claims process. In addition to selling homeowners' insurance, this brokerage also provides workers' compensation, construction, health, pool, and spa insurance, as well as bonds. Some of the carriers this company works with include CNA, Philadelphia Insurance Companies, and Nationwide.

  • Personal Property Insurance
  • Multiple Policy Types

82-674 Hwy 111 Ste. 2, Indio, CA 92201

Expertise.com Rating

Review Sources

Google
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

Located in Indio, Desert Oasis Insurance & Services is an insurance agency with 26 years of combined industry experience. The agency helps clients find the right homeowners' insurance policy to cover their properties, whether they only want specific losses covered or if they want all-risk coverage. Desert Oasis Insurance & Services offers primary and secondary residence insurance, vacant dwelling insurance, condo insurance, mobile home insurance, and landlord insurance. They also help clients find life, auto, commercial auto, and business insurance policies.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Safer Insurance Agency
68955 Ramon Road, Cathedral City, CA 92234
sosfirstins.com
75-108 Gerald Ford Drive, Palm Desert, CA 922111
Carmen Contreras - State Farm Insurance Agent
81709 Doctor Carreon Boulevard, Indio, CA 92201
Palm Valley Insurance
44967 Oasis Street, Indio, CA 92201
Canyon Pacific Insurance Services
909 Crossley Road, Palm Springs, CA 92264
Desert Cornerstone Insurance Service, Inc.
81713 California 111, Indio, CA 92201
Avila Insurance Agency
81-953 Hwy 111 Ste. 1, Indio, CA 92201
Dean Mofidi Insurance Services
4633 Ramon Road, Palm Springs, CA 92264
whinsurance.com
1555 South Palm Canyon Drive, Palm Springs, CA 92264
Desert Oasis Insurance & Services
82-674 Hwy 111 Ste. 2, Indio, CA 92201

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.
  • What is the difference between homeowners' insurance and a home warranty for properties in Indio?

    Homeowners' insurance shields properties from damages stemming from disasters or incidents of theft. On the other hand, a home warranty safeguards household appliances and essential systems like HVAC, electrical, and plumbing. Securing a mortgage in Indio generally necessitates homeowners' insurance. However, opting for a home warranty provides an added safety net for essential house fixtures.

  • Can former renters in Indio rely on their renters' policy for their new home in terms of coverage?

    No, they can't. While both renters' and homeowners' policies in Indio cover medical payments, property damage, liability, and out-of-home living expenses, there's a key difference. Homeowners' insurance offers dwelling protection, covering physical damage to parts of the home like floors, doors, walls, and the roof. Renters' policies don't. Tenants aren't accountable for structural repairs unless they cause the damage, as landlords bear that responsibility. Thus, homeowners need their own coverage to ensure structural safety and repairs.

  • What should homeowners in Indio do if they struggle to secure homeowners' insurance in the conventional market?

    If homeowners in Indio find challenges obtaining residential insurance after exploring the market, they should consider the California FAIR Plan. This plan serves as a last-resort insurer and should be explored only after thoroughly searching the traditional insurance avenues. If denied or non-renewed by their existing insurer or if coverage is needed, homeowners can apply for the FAIR Plan via an agent or broker who's licensed in property insurance and registered with the California FAIR Plan.

  • Is earthquake damage automatically covered under basic homeowners' insurance in Indio?

    Under a basic homeowners' policy in Indio, earthquake damage isn't automatically covered. However, limited earthquake coverage is included. Specifically, dwelling coverage matches the policy's provided amount, personal property protection caps at $5,000, and additional living expenses reach up to $1,500 if a home becomes uninhabitable due to earthquake damage. It's crucial to understand that extended replacement costs for the dwelling and replacement costs for contents aren't applicable. Any optional coverage comes with a 15% deductible of the dwelling's coverage limit.

  • Where can homeowners in Indio turn for protection against insurance policy cancellations or non-renewals if they live in a wildfire-prone area?

    Homeowners in Indio living in wildfire-prone areas can rely on protections from the California Department of Insurance. Notably, their insurer is prohibited from canceling or not renewing their policy for a year after a governor-declared state of emergency, despite some major insurers pausing or limiting new policies. This measure ensures continued coverage, especially for Indio residents who face heightened risk due to the region's extreme wildfire projections over the next 30 years.

  • 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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