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2024

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Best Homeowners Insurance Agencies in Menifee, CA

Our Recommended Top 3

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 Menifee 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.

52Reviewed

32Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

32395 Clinton Keith Road, Menifee, CA 92595

Expertise.com Rating

Why choose this provider?

Menifee Insurance Agency is a homeowners' insurance provider. It was founded by Andy Morris, an insurance agent who has had over 20 years of experience in the industry. Morris helps clients find the appropriate insurance policy that suits their needs. The company's insurance policies provide coverage for the structure, its contents, and other factors such as valuable items, replacement cost, liability, and additional living expenses after a disaster. Menifee Insurance Agency also offers condo and landlord insurance.

  • Flood
  • Condos
  • Renter's Insurance

28125 Bradley Road, Menifee, CA 92586

Expertise.com Rating

Review Sources

Facebook
4.4 (18)
Google
5.0 (6)

Why choose this provider?

Pacific Crest is an independent insurance agency serving Menifee and the surrounding areas. The company provides homeowners' insurance that helps covers losses from vandalism, theft, and fire. Its team of agents is committed to tailoring insurance solutions to fit the needs of clients who own either homes or condos. Protection can be provided for a client's dwelling, personal property, medical expenses, loss of use, and personal liabilities. Pacific Crest has access to insurance carriers such as Safeco, Mercury, and Progressive.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

40525 California Oaks Road, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
4.6 (38)
Yelp
4.5 (20)
Facebook
5.0 (3)

Why choose this provider?

Carver Insurance Services, Inc., is a firm that helps clients around Menifee secure financial protections for their residences. Based in Temecula, the agency helps homeowners identify suitable coverage options based on replacement costs, deductibles, and other factors such as pets, property age, and roof condition. Carver Insurance Services also offers insurance support for renters, businesses, and vehicle owners. Founded in 2004 by Diana Carver, the firm has helped address the insurance needs of over 3,500 homes.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Menifee Insurance Agency
32395 Clinton Keith Road, Menifee, CA 92595
Pacific Crest
28125 Bradley Road, Menifee, CA 92586
Carver Insurance Services, Inc.
40525 California Oaks Road, Murrieta, CA 92562

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.
  • How much does homeowners' insurance cost in Menifee?

    In Menifee, the cost of homeowners' insurance depends on individuals' coverage choices. If they want more comprehensive policies and additional products, they will pay higher insurance premiums. The cost also depends on the age of their home. In most cases, older homes have higher insurance rates due to outdated electrical or plumbing systems that need to be replaced. Additionally, owning aggressive dogs and expensive jewelry results in higher homeowners' insurance costs.

  • Does investing in home protection devices help you lower your homeowners' insurance premium in Menifee?

    Yes. Having home protection devices in your home may help you cut down your homeowners' insurance premium in Menifee. Installing security devices, such as smoke detectors, burglar alarms, and dead-bolt locks in your property may help you obtain insurance discounts. You may ask your insurance agent which protection devices are included in their security device discounts.

  • Can you purchase a replacement cost policy in Menifee if you own an old home?

    No. In Menifee, you may not purchase a replacement cost policy if you own an old home due to expensive repair costs. In some instances, the cost of replacing an old home is like buying a home with special features, like wall and ceiling moldings. To cover the costs of using standard building materials in use today, you may purchase a modified replacement policy.

  • In Menifee, does homeowners' insurance cover sump pump or water backup damage?

    No. A standard homeowners' insurance in Menifee does not cover sump pump or water backup damage. However, you may add water backup and sump discharge or overflow coverage to your homeowners' insurance, especially if your house is too old and has basement flooding issues or there are backed-up sewer issues within your neighborhood.

  • What types of properties in Menifee are covered by homeowners' insurance?

    Homeowners' insurance in Menifee typically covers various types of residential spaces, such as manufactured and secondary homes, frame houses, condominiums, townhouses, concrete block structure homes, and mobile houses on acreage. Individuals and families can also obtain insurance coverage for their seasonal resident homes and houses they rent to other people.

  • 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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