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Best Homeowners Insurance Agencies in Milpitas, CA

Our Recommended Top 4

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 Milpitas 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

1630 Oakland Road, San Jose, CA 95131 Rating

Review Sources

5.0 (7)

Why choose this provider?

Metrowide Insurance Services is an insurance agency for clients living in Milpitas. It offers homeowners coverage to pay for any repairs or replacements caused by bad weather or accidents. The agency guides clients in searching for policies and filing claims. It also keeps them informed of billing dates and ways to update their policy plans. Metrowide works with many national insurance carriers, such as The Hartford, Midwest, and Stillwater. It also provides coverage for commercial properties, cars, and life.

  • Multiple Policy Types

607 E Calaveras Blvd, Milpitas, CA 95035 Rating

Review Sources

4.6 (119)
4.0 (24)

Why choose this provider?

AAA - Milpitas Branch provides a wide range of insurance coverages and services in Milpitas. This company gives coverage options to properly protect homes and other assets. It offers bundle auto and home insurance. This multi-policy bundle includes coverage for dwelling and attached structures, detached structure, personal contents, property damage, and medical payments. Aside from personal and commercial insurance, AAA also handles a wide variety of home security and auto services.

  • Multiple Policy Types

1061 Monroe Street, Santa Clara, CA 95050 Rating

Review Sources

5.0 (6)

Why choose this provider?

SURE88 Insurance Brokers LLC provides clients in the greater Milpitas area with homeowners insurance policies. This company is an independent agency capable of sourcing policies from a variety of different carriers, including Liberty Mutual, The Hartford, and Philadelphia Insurance Companies. Its team can provide clients with online quotes for homeowners insurance as well as condominium and renters insurance. SURE88 Insurance Brokers also offers business auto and general liability insurance policies.

  • Multiple Policy Types
  • Condos
  • Renter's Insurance

3487 McKee Road, San Jose, CA 95127 Rating

Review Sources

5.0 (13)
5.0 (2)

Why choose this provider?

Wynn Insurance Agency provides insurance options for residential and business property owners in Milpitas and the rest of the region. The team of agents helps homeowners protect their private residences and personal items from financial loss and damages due to disasters such as fire, wind, and lightning. The perils included in the policy depend on the specific coverage agreed upon by the client. A standard policy covers property damage, liability protection, and temporary living expenses.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Metrowide Insurance Services
1630 Oakland Road, San Jose, CA 95131
AAA - Milpitas Branch
607 E Calaveras Blvd, Milpitas, CA 95035
SURE88 Insurance Brokers LLC
1061 Monroe Street, Santa Clara, CA 95050
Wynn Insurance Agency
3487 McKee Road, San Jose, CA 95127


  • 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 coverage of a liability portion in a homeowners' insurance policy in Milpitas?

    The liability portion of a Milpitas homeowners' insurance policy covers lawsuits filed against the policyholder if they, their family members, or pets cause bodily harm or property damage to others. Legal fees and court awards are covered up to the policy limit. It also provides no-fault medical coverage for injuries sustained by guests in the policyholder's home, reimbursing medical expenses without the need for a liability claim. It does not, however, cover the policyholder's family or pets.

  • What types of damages are not covered by dwelling insurance in Milpitas?

    Flooding, earthquakes, sewer backups, neglect of regular maintenance, infestations like mold and bed bugs, and specific structures such as detached garages, sheds, and treehouses are all excluded from Milpitas dwelling insurance coverage. In addition, standard home insurance does not cover above-ground swimming pools, fencing, playsets, trampolines, tiny homes, or service line issues.

  • How much should insurance companies pay for someone's damaged belongings due to covered disasters in Milpitas?

    Insurance companies in Milpitas typically compensate individuals for their damaged belongings as a result of insured disasters at a coverage rate ranging from 50% to 70% of the insurance on the structure of their home. This coverage includes items stored off-site as well as trees and shrubs on the property, with some limitations. High-value items and collectibles are covered, but the standard policy may have dollar limits.

  • What requirements are needed in filing a home insurance claim in Milpitas?

    Individuals must provide their contact information as well as information about any contractors involved in ongoing repair work when filing a home insurance claim in Milpitas. They should provide detailed descriptions of the damaged items as well as the suspected causes, as well as photographic evidence of the damage. In addition, the date of the incident and any relevant weather conditions that may have played a role in the damage should be included.

  • Will the insurance agency in Milpitas pay an individual if a tree fell on their house?

    Homeowners' insurance in Milpitas typically covers such incidents if the tree fell due to wind damage. However, if the tree was neglected or in disrepair, insurance may not cover the damage, as negligence-related issues are frequently excluded. The decision is based on whether the incident falls under one of the policy's covered perils or is the result of homeowner negligence.

  • 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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