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2024

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Best Homeowners Insurance Agencies in Lancaster, CA

Our Recommended Top 6

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 Lancaster 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.

97Reviewed

60Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1007 East Avenue J, Lancaster, CA 93535

Expertise.com Rating

Review Sources

Google
3.8 (32)
Facebook
5.0 (4)
Yelp
2.5 (3)

Why choose this provider?

Gladstone Insurance is an agency that offers homeowners' insurance solutions for property owners in Lancaster and the surrounding areas. It comprises a team of insurance agents that knows how to examine clients' situations and assist in finding coverage that suits unique needs and budget considerations. They also review clients' insurance policies on a regular basis to ensure it aligns with various life changes, such as increased construction costs, new pets, and possessions. They also have insurance products for cars, motorcycles, and boats.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

1805 West Avenue K, Lancaster, CA 93534
WebsiteLicense: 0562394

Expertise.com Rating

Review Sources

Google
4.7 (30)
Yelp
4.0 (5)

Why choose this provider?

Suzanne Rojan is an insurance agent at State Farm who caters to clients throughout the Lancaster metro and nearby communities. She offers homeowners' insurance and assists with other areas, like policies for condo units, farms and ranches, and manufactured homes. Rojan also educates clients on flood insurance coverage overseen by the Federal Emergency Management Agency. She likewise provides life, health, auto, flood, and earthquake insurance policies. Suzanne Rojan has over 40 years of experience in the insurance industry.

  • Homeowners
  • Flood
  • Earthquake

3011 Rancho Vista Boulevard, Palmdale, CA 93551

Expertise.com Rating

Review Sources

Google
4.8 (4)

Why choose this provider?

Pat Rossall, a State Farm insurance agent, serves clients in the Lancaster area. Rossall provides comprehensive homeowners' insurance policies inclusive of coverage for keepsakes, personal properties, and home and garden structures and furniture. He also offers protection from disturbances such as winds or hails, frozen plumbing systems, fire damages, theft or vandalism, and heating or cooling systems damages. Rossall has over 35 years of experience in the industry and has bilingual agents capable of assisting Spanish-speaking clients.

  • Personal Property Insurance
  • Multiple Policy Types

38417 20th Street East, Palmdale, CA 93550
WebsiteLicense: 0L65842

Expertise.com Rating

Review Sources

Google
5.0 (264)
Facebook
5.0 (34)
Yelp
5.0 (4)

Why choose this provider?

Global First Insurance & Tax Services is a full-service insurance company serving clients' needs in Lancaster and the surrounding areas. The firm assists individuals and families in realizing their homeownership goals with a homeowners' insurance policy. Its insurance agents represent global providers and help clients choose the right policy akin to their needs. The team also offers other insurance products, including renters', mobile home, auto, motorcycle, life, and health insurance plans. In addition, the company serves Spanish-speaking communities.

  • Personal Property Insurance

902 W Lancaster Blvd, Lancaster, CA 93534

Expertise.com Rating

Review Sources

Google
4.9 (63)
Facebook
5.0 (27)
Yelp
5.0 (4)

Why choose this provider?

John E. Peakes Insurance Agency has been catering to the insurance needs of residents and businesses in Lancaster since 1969. The company assists private residence owners in insuring their homes, personal valuables, and other investments under a homeowners insurance policy. It provides several types of homeowners coverage, including structural coverage, replacement costs, owner liability, and additional living expenses due to relocation or temporary dwelling. Other offerings include personal, business, gym and fitness studio, apartment building, and restaurant insurance policies. The company also serves clients on the East Coast.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

44030 10th St W, Lancaster, CA 93534

Expertise.com Rating

Review Sources

Google
4.4 (51)

Why choose this provider?

Agency One Insurance Services Inc. is a full-service insurance firm that helps residents and businesses in Lancaster protect their homes and investments. The company's agents assist individuals and families in choosing the right homeowners' insurance policy that can best meet their needs. The firm also provides dwelling fire insurance policy that protects the homes and personal assets of policyholders in a fire emergency. Other offerings include all types of personal and commercial insurance packages. The company also serves clients in California and Arizona.

  • Flood
  • Earthquake
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Gladstone Insurance
1007 East Avenue J, Lancaster, CA 93535
Suzanne Rojan
1805 West Avenue K, Lancaster, CA 93534
Pat Rossall - State Farm Insurance Agent
3011 Rancho Vista Boulevard, Palmdale, CA 93551
Global First Insurance & Tax Services
38417 20th Street East, Palmdale, CA 93550
John E. Peakes Insurance Agency
902 W Lancaster Blvd, Lancaster, CA 93534
Agency One Insurance Services Inc.
44030 10th St W, Lancaster, CA 93534

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 wildfires in Lancaster covered by home insurance?

    Typically, homeowners insurance policies in Lancaster provide coverage for wildfires. These policies offer a range of coverage options tailored to assist policyholders in managing the financial implications of home repairs, reconstructions, or the replacement of personal belongings due to fire-related incidents. One must expect to pay a much higher rate for home insurance on average for homes located in wildfire-prone or high-risk areas. In certain cases, insurers will not offer home insurance in locations where wildfires are frequent.

  • Do those who use fire safety devices qualify for discounts on their homeowners insurance in Lancaster?

    Certain insurance providers offer incentives or discounts to policyholders in Lancaster who have installed specific fire safety equipment, such as smoke detectors, fire alarms, and fire extinguishers, in their homes. This practice is in response to the California Department of Insurance mandating that insurance companies operating within the state grant discounts on residential property insurance premiums when policyholders take steps to mitigate wildfire risks.

  • Does homeowners insurance in Lancaster cover flood damage?

    Standard home insurance policies in Lancaster do not encompass coverage for flood-related damage. Since California is susceptible to flooding across various regions, it's imperative for homeowners to consider additional protection in the form of flood insurance. Homeowners have the option to acquire flood insurance through either the National Flood Insurance Program or private insurance providers.

  • Where may residents of Lancaster file complaints against their homeowner's insurance providers?

    The California Department of Insurance may be able to help residents of Lancaster who want to complain to their insurance provider or learn more about their rights as policyholders. The department's official website provides valuable resources, including a tool for finding home insurance and a roster of companies that provide different conditions policies. Support is accessible in both English and Spanish by dialing 800-927-4357.

  • Is a visual inspection of the property required before issuing homeowners' insurance in Lancaster?

    A visual inspection of properties in Lancaster is not always obligatory, but it can aid insurance companies in ascertaining the necessary coverage amount for individuals. In cases where a residence is older or hasn't undergone an assessment in a decade, insurance providers might deem it necessary to conduct a home inspection. This assessment aids in locating potential problems, like obsolete electrical wiring or an old roof.

  • 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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