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2024

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Best Homeowners Insurance Agencies in Livermore, CA

Our Recommended Top 8

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 Livermore 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

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

233 Junction Ave. Suite B, Livermore, CA 94551
WebsiteLicense: 0795834

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Yelp
5.0 (5)

Why choose this provider?

Tavares Insurance Services is an agency that serves individuals, families, and businesses in Livermore. It offers homeowners insurance policies to cover property damage and liabilities due to injuries. It also provides coverage for condominiums, renters, automobiles, and valuable items, such as artwork, jewelry, firearms, and musical instruments. Business and specialty insurance plans are available. Tavares Insurance Services is owned and operated by Orlando Tavares, who is fluent in Portuguese and Spanish and has over 23 years of experience.

  • Condos
  • Renter's Insurance

4047 First Street, Livermore, CA 94551

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

Bushman Insurance Agency services homeowners in the Livermore area that seek assistance in ensuring financial security for their properties. The agency helps clients secure coverage for their homes and personal possessions in cases of theft, weather damages, and fire. Bushman Insurance Agency also helps homeowners identify coverage options for personal liabilities when injuries occur within a property. Other insurance matters under the agency's portfolio include renter's and landlord's insurance. Bushman Insurance Agency caters to both individual and commercial clients.

  • Personal Property Insurance
  • Multiple Policy Types

6701 Koll Center Parkway #250, Pleasanton, CA 94566
WebsiteLicense: 0G87201

Expertise.com Rating

Why choose this provider?

Wai Cheng Insurance Agency helps families in the Livermore community. It offers homeowner's insurance policies to protect their dwellings from vandalism, theft, storms, and fires. It also covers personal belongings and additional living expenses. The agency provides personalized risk management options for automobiles, motorcycles, watercraft, and motor homes. It has coverage plans for life and health. Wai Cheng Insurance Agency has over 20 years of brokerage experience, working with insurers such as American Modern and Anthem.

3099 Bersano Court, Pleasanton, CA 94566
WebsiteLicense: 0724007

Expertise.com Rating

Review Sources

Google
5.0 (37)

Why choose this provider?

Secure West Insurance Marketing, Inc., represents individuals, business owners, and real estate clients in and around the Livermore metro. For more than 30 years, the company has been offering property insurance policies that cover condominium units' contents and earthquake and flood damage. As an independent agency, Secure West Insurance Marketing partners with multiple carriers, like The Hartford, Safeco Insurance, Travelers, and National General, to provide policy buyers with customized insurance options. Its team of insurance agents also assists customers with their Medicare health plans.

5765 Valley Ave Suite 150, Pleasanton, CA 94566
WebsiteLicense: 0L09428

Expertise.com Rating

Review Sources

Google
4.9 (83)
Facebook
5.0 (19)
Yelp
4.8 (12)

Why choose this provider?

Zulien Morales is a State Farm agent who offers homeowners' insurance services to clients in Livermore. Morales is committed to helping homeowners raise the value of their homes through home appraisals. She also offers other plans, such as car, life, business, health, and pet insurance policies. Morales established her own agency in 2009 but has been a State Farm insurance agent since 2000. The agency regularly hosts local events for the Livermore, Dublin, and Pleasanton communities.

  • Condos
  • Renter's Insurance

1569 Olivina Avenue, Livermore, CA 94551

Expertise.com Rating

Review Sources

Google
4.1 (14)

Why choose this provider?

Rivas Financial & Insurance Services is a Livermore-based company that provides insurance policies for homeowners, condominium owners, and renters. Its professionals are experienced at helping clients search for the most appropriate coverage while maximizing their savings. They help develop policies that cover untimely incidents like faulty plumbing or theft. The firm also offers supplemental coverage for natural calamities like fires or floods. It can accommodate Spanish-speaking clients and has been in the industry for more than 10 years.

  • Renter's Insurance
  • Condos

5765 Valley Avenue Suite 150, Pleasanton, CA 94566
WebsiteLicense: 0B12902

Expertise.com Rating

Review Sources

Yelp
5.0 (13)
Google
4.9 (11)

Why choose this provider?

Michael Ornelas is a State Farm agent based in Pleasanton. The agent offers homeowners insurance to property owners in Livermore. He also provides auto, business, and life insurance policies for individual and commercial clients. Condo, renters, personal articles, life, pet, and health insurance products are included in his services. Banking solutions are also available. The agent aims to make the processing of claims easier for his clients by using an online portal for convenience. Ornelas also caters to clients in Dublin, San Ramon, and Danville.

  • Multiple Policy Types

509 North L Street, Livermore, CA 94551

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Facebook
4.5 (4)
Google
5.0 (1)

Why choose this provider?

Marcy Gutierrez - State Farm Insurance Agent is a licensed insurance agency that assists customers with obtaining homeowners policies. Marcy Gutierrez and her team help homeowners with choosing policies that include coverage for property damage, theft, and repair costs, and the agency provides an online quote generator for a streamlined application process. In addition to standard homeowners insurance, the agency offers add-on personal articles policies and personal property policies to cover expenses caused by theft and accidental damage.

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

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Tavares Insurance Services
233 Junction Ave. Suite B, Livermore, CA 94551
Bushman Insurance Agency
4047 First Street, Livermore, CA 94551
Wai Cheng Insurance Agency
6701 Koll Center Parkway #250, Pleasanton, CA 94566
Secure West Insurance Marketing, Inc.
3099 Bersano Court, Pleasanton, CA 94566
Zulien Morales
5765 Valley Ave Suite 150, Pleasanton, CA 94566
Rivas Financial & Insurance Services
1569 Olivina Avenue, Livermore, CA 94551
Michael Ornelas
5765 Valley Avenue Suite 150, Pleasanton, CA 94566
Marcy Gutierrez - State Farm Insurance Agent
509 North L Street, Livermore, CA 94551

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 insurance options are available for a Livermore resident struggling to find standard homeowners' insurance?

    A Livermore resident facing challenges obtaining typical homeowners' or renters' insurance can explore several alternatives. The California FAIR Plan offers fire-only coverage for homes and contents. Another option is the Federal Emergency Management Agency-run National Flood Insurance Program, which provides flood damage protection. The "surplus lines" market might have desired coverages. Furthermore, the Department of Insurance's Home Insurance Finder tool, available on its website, guides users toward suitable insurers in high-risk areas.

  • What advantages do Livermore residents gain by opting for an independent firm when acquiring homeowners' insurance?

    Engaging with an independent firm provides Livermore residents with distinct advantages when navigating homeowners' insurance. Such firms offer several quotes from multiple providers, simplifying the process of comparing prices and terms. Their agents furnish objective counsel on policy selections, shedding light on the pros and cons of each route. With extensive knowledge at their disposal, they efficiently tackle any insurance-related questions, guiding residents to fitting insurance solutions.

  • What are the notification requirements for insurance companies intending to cancel or not renew a resident's policy in Livermore?

    For Livermore residents, once a home insurance policy surpasses 60 days, insurers can only terminate it for legal reasons like nonpayment, fraud, or significant property changes. A 20-day advance notice is mandatory for cancellations, but only 10 days of notice is required for nonpayment or fraud. Nonrenewal requires a 75-day prior notification. If these aren't met, the policy extends 75 days from the notice date. All notices must explicitly state the rationale.

  • How can Livermore homeowners find coverage if they face difficulties due to wildfire risks?

    Livermore homeowners affected by wildfire threats can consider several avenues for insurance. Multiple insurers offer discounts for properties with fire risk mitigation, such as using fire-resistant building materials. While most policies cover fire damage, acquiring one in high-risk zones might be challenging. The California FAIR Plan, the state's fallback insurer, covers basic fire-related damages. For broader coverage, seeking a "difference in conditions" policy through an independent agent is recommended.

  • For Livermore residents, is it advisable to have both a homeowners' insurance policy and a home warranty, and what is the difference?

    In Livermore, the decision to obtain both a homeowners' insurance policy and a home warranty hinges on individual needs. Homeowners' insurance safeguards properties and their contents from unforeseen incidents like fires or thefts and offers personal liability protection. Conversely, a home warranty primarily covers appliance repairs. While insurers don't advocate for or against home warranties, they emphasize the significance of comprehensive homeowners' insurance guidance.

  • 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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