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2024

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Best Homeowners Insurance Agencies in Modesto, CA

Our Recommended Top 7

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 Modesto 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.

121Reviewed

75Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

822 9th Street, Modesto, CA 95354

Expertise.com Rating

Review Sources

Google
5.0 (118)
Facebook
5.0 (13)
Yelp
5.0 (9)

Why choose this provider?

The Source Auto Insurance Agency operates in and around Modesto. The company provides homeowners coverage for their house, using policy plans to pay for unexpected emergencies or damage. This includes extreme weather affecting the structure like its walls and roof, furniture and appliances, and other personal belongings within the dwelling. It also covers any medical fees for people injured within the property. The company also has insurance plans for regular automobiles and classic car collections.

  • Fire

3540 Oakdale Rd Suite A-1, Modesto, CA 95357

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Golden Oak Insurance Services is an independent agency that has been providing insurance options throughout Modesto and the surrounding communities since 2006. The professionals from this business can help clients on matters related to auto, home, life, business, and health insurance solutions. They carry insurance through companies such as American Modern, Arrowhead, Berkshire Hathaway Homestate, California Mutual Ins, Chubb, and CNA. Golden Oak Insurance Services is licensed in Oregon, Washington, California, and Arizona.

  • Personal Property Insurance
  • Multiple Policy Types

1219 N. Carpenter Road; Suite #10, Modesto, CA 95351

Expertise.com Rating

Review Sources

Google
4.9 (15)

Why choose this provider?

Fiesta Auto Insurance provides insurance assistance to Modesto residents. The company helps clients with various insurance needs including homeowners' insurance, with agents able to set up a suitable home insurance policy for clients within a day. The team of insurance professionals works with over 40 insurance providers. Aside from insurance solutions, the business also specializes in tax preparation services. Fiesta Auto Insurance has been operating since 1999. It offers the services of its Spanish-speaking personnel.

  • Personal Property Insurance

2307 Oakdale Road, Modesto, CA 95355

Expertise.com Rating

Review Sources

Google
4.5 (6)

Why choose this provider?

Skeet's Insurance Service, Inc. is a local homeowners insurance agency that serves individuals and families in Modesto and the surrounding areas. Since 1967, its team of insurance experts has been writing home insurance policies that meet the needs of the homeowners. Aside from home insurance, the agency also provides other insurance products, such as auto, business, commercial auto, life, motorcycle, and workers' compensation plans. Skeet's Insurance Service, Inc. also offers wedding and special event insurance.

  • Multiple Policy Types

2225 Plaza Parkway, Modesto, CA 95350

Expertise.com Rating

Review Sources

Google
4.7 (55)
Yelp
3.5 (3)

Why choose this provider?

Based in California, Central Auto Insurance Agency, Inc. is an insurance firm serving homeowners in the Modesto area. It offers fully-customized homeowners' insurance plans constructed by experienced insurance agents to ensure that the needs and requirements of clients are met. It offers coverage for homes, condominiums, personal property, and personal liability. Home insurance policies have the option to cover weather damage, fire and smoke damage, falling objects, vandalism, accidental plumbing or electrical damage, and damage by vehicles. Central Auto Insurance Agency provides 24-hour customer service all year round.

  • Multiple Policy Types

1800 Tully Road, Modesto, CA 95350

Expertise.com Rating

Review Sources

Google
4.9 (115)
Facebook
5.0 (47)

Why choose this provider?

SaveDirect Insurance Agency, LLC provides insurance solutions from its Modesto location. The company offers various insurance options, including homeowners insurance. It provides homeowners insurance policies that cover property damage and protection from disasters. Homeowners insurance also covers compensation for losses and repairs due to theft or vandalism. SaveDirect Insurance Agency, LLC works with various insurance carriers, including Travelers, Mapfre, Progressive, and MetLife. Aside from homeowners insurance, the agency also offers auto insurance, motorcycle insurance, and commercial auto insurance.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

400 12th Street, Modesto, CA 95354

Expertise.com Rating

Review Sources

Google
5.0 (30)
Yelp
4.0 (5)

Why choose this provider?

Teresa Clutter Insurance Services offers coverage for clients in Tracy. The company helps clients pay for unexpected damages caused by fires, floods, and bad driving. Its plans apply to different residences like vacant buildings, mobile homes, condos, apartments, and high-valued properties. The company's agent, Teresa Clutter, has nearly 30 years of experience in the insurance industry. She talks to clients and advises them on what to cover, from automobiles to injury liabilities. She helps both commercial and residential customers.

  • Renter's Insurance
  • Flood
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
The Source Auto Insurance Agency LLC
822 9th Street, Modesto, CA 95354
Golden Oak Insurance Services
3540 Oakdale Rd Suite A-1, Modesto, CA 95357
Fiesta Auto Insurance
1219 N. Carpenter Road; Suite #10, Modesto, CA 95351
Skeet's Insurance Service, Inc.
2307 Oakdale Road, Modesto, CA 95355
Central Auto Insurance Agency, Inc.
2225 Plaza Parkway, Modesto, CA 95350
SaveDirect Insurance Agency, LLC
1800 Tully Road, Modesto, CA 95350
Teresa Clutter Insurance Services
400 12th Street, Modesto, CA 95354

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 does it mean to work with an independent home insurance agency in Modesto?

    When a home insurance agency is an independent one, this means it is not committed to the insurance companies it represents. This gives them leeway to offer home insurance policies from more than one company. A benefit of working with independent insurance agencies is that homeowners in Modesto can have more options to choose the policy that best suits their needs.

  • What potential problems are not usually covered in home insurance policies in Modesto?

    Standard home insurance policies in Modesto do not typically cover damage caused by sewer backup. When water flows below the surface of the ground and causes damage to your home or belongings, this is not usually included in a home insurance policy. Jewelry, fine art, and other high-cost items are often covered at a certain limit as well.

  • What incidents are covered by home insurance agencies in Modesto?

    Home insurance agencies in Modesto help protect homeowners from financial loss in case their house is targeted by burglars, thieves, or vandals. They also cover damage to homes caused by fire, hail, smoke, and falling objects. In case someone gets injured on your property, home insurance policies have clauses indicating coverage for medical and legal costs.

  • How much is a home insurance policy in Modesto?

    On average, a home insurance policy in Modesto would set you back around $1,160 every year or $97 a month. In the state of California, these rates are some of the lowest. The most expensive home insurance coverage is pegged at $1,645 annually in Los Angeles, while Oxnard and Santa Rosa tied for the lowest home insurance policy cost at $1,070 per year.

  • What are storm chasers in Modesto?

    Storm chasers move from one place to another as they follow severe weather. For example, after a storm has passed through Modesto, they show up in the city and go door-to-door in neighborhoods, offering home or roof insurance coverage using forceful sales tactics. They may be seen as fraudulent contractors, as some would mislead homeowners about the extent of the damage to increase the coverage costs.

  • 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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