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2024

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Best Homeowners Insurance Agencies in Moreno Valley, CA

Our Recommended Top 10

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Our goal is to connect people with the best local professionals. We scored Moreno Valley 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.

125Reviewed

79Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6864 Indiana Avenue, Riverside, CA 92506

Expertise.com Rating

Why choose this provider?

Founded in 1955, Atchley & Associates Insurance Services helps individuals seeking solutions from homeowners insurance agents in the Moreno Valley area. Its staff assists homeowners choose individualized insurance plans to safeguard them from financial loss if disasters such as fire, smoke, hail, and theft strike. They strive to ensure homeowners have policies that cover their personal belongings. Atchley & Associates Insurance Services offers coverage for temporary residence in case of a complete property loss.

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

24267 Sunnymead Boulevard, Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
4.5 (17)
Facebook
5.0 (3)
Yelp
3.0 (2)

Why choose this provider?

Control Insurance Services Inc. is an insurance agency in Moreno Valley providing financial solutions since 1999. Its independent agents represent various insurance carriers such as Safeco Insurance, Progressive, and Access Insurance. They help homeowners, condo owners, and tenants obtain a customized plan according to the value of their property and personal belongings. Control Insurance Services Inc. can also arrange supplemental insurance coverage for clients seeking added protection for jewelry, personal injury lawsuits, or additional living expenses.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

22364 Alessandro Blvd, Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
4.7 (116)
Yelp
4.5 (14)

Why choose this provider?

All Solutions Insurance LLC is a personal and commercial insurance agency that provides homeowner policies to clients in Moreno Valley. It aims to financially secure clients whose properties have suffered losses, whether from theft or larger issues such as storms, lightings, and hail. All Solutions also covers damages caused by floods, sinkholes, sewage backups, as well as costs for a trampoline or swimming pool liability insurance, personal property replacements, and umbrella liability insurance. Properties covered by the agency include frame houses, condos, townhouses, secondary or seasonal homes, and rentals.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

12625 Frederick Street, Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
4.8 (365)
Yelp
4.5 (18)
Facebook
5.0 (2)

Why choose this provider?

Speedy Insurance Agency is a homeowners' insurance agency that services residents in Moreno Valley and the surrounding areas. Its insurance specialists offer home insurance policies that can cover the policyholder's primary home and other personal properties. The team also ensures that its clients and their family members are protected from liabilities by offering coverages for their injuries at home, or injuries sustained by guests in their property. Speedy Insurance Agency also provides other insurance services including auto insurance, bond insurance, commercial insurance, and general insurance.

  • Multiple Policy Types

6950 Indiana Avenue, Riverside, CA 92506

Expertise.com Rating

Why choose this provider?

Scott Fowler - State Farm Insurance Agent helps homeowners in Moreno Valley and the surrounding communities choose an insurance option that suits their lifestyle, budget, and needs. He assists clients as they seek to safeguard their properties and personal assets against disasters and unfortunate events. The coverage includes home structures, replacement costs, personal belongings, and even liability claims and lawsuits. Mr. Fowler is available to customers at all hours of the day.

  • Renter's Insurance
  • Multiple Policy Types

22484 Alessandro Blvd., Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (9)
Yelp
4.0 (4)

Why choose this provider?

All Discount Insurance Services Inc. is an insurance provider in Moreno Valley that has been operating for more than 25 years. Established in 1994, the company assists homeowners in choosing the right home insurance policy that is suitable for their financial needs. They also provide insurance coverage for travel trailers and mobile homes. Other offerings include auto and motorcycle insurance. The company represents over 50 insurance companies and serves clients across California, Texas, and Arizona.

  • Personal Property Insurance

21160 Box Springs Road, Moreno Valley, CA 92557

Expertise.com Rating

Review Sources

Google
4.5 (2)
Facebook
5.0 (1)

Why choose this provider?

Arlan Knutson Insurance Agency is a family-owned business that has been offering insurance solutions to Moreno Valley and the surrounding regions for over a decade. Its group of insurance professionals is dedicated to helping families with matters related to in-home business, landlords, renters, condo, scheduled property, and mobile home insurance coverage options. The team also offers home and auto, farm, life, and other personal insurance solutions. The company's insurance providers include American Modern, Aegis, American Collectors Insurance, and Chubb.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

23940-A Ironwood Avenue, Moreno Valley, CA 92557

Expertise.com Rating

Review Sources

Google
4.9 (49)
Yelp
3.5 (10)
Facebook
5.0 (5)

Why choose this provider?

Best Insurance Services has been providing homeowners insurance services in Moreno Valley since 1998. Its insurance plans cover property damage and injuries inflicted on guests due to disasters. The policies assist homeowners to get adequate financial relief when disasters such as fire, theft, and vandalism occur. The company's coverage also includes protection against the loss of valuables such as jewelry and electronics. Individuals who own rental houses can access homeowners insurance plans from Best Insurance Services.

  • Earthquake
  • Personal Property Insurance
  • Flood

14055 Perris Boulevard, Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
4.9 (135)
Facebook
5.0 (10)
Yelp
5.0 (4)

Why choose this provider?

Aguayo Insurance Solutions, Inc., is a multi-coverage insurance agency that offers homeowner policies to clients in Moreno Valley. It covers costs incurred from property damage, loss of personal belongings, and liability, as well as medical and living expenses. Aguayo also services properties such as beach and high-value homes, vacation homes, mortgages, rental dwellings, and secondary residences. It offers personal umbrella, automobile, flood, earthquake, and jewelry coverages for clients to consider along with homeowners' insurance.

  • Fire
  • Renter's Insurance
  • Flood

24124 Sunnymead Boulevard, Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
4.9 (116)

Why choose this provider?

Paul Nicholas Kinan - Nationwide Insurance is a Moreno Valley-based agency that works to ensure coverage for clients whose homes have sustained damages. Kinan and Nationwide Insurance focus on helping clients benefit from claims and resume normal lives following insurance-covered losses. In particular, Kinan's agency caters to homeowners facing property issues such as detached garages, aging roofs, and damaged swimming pools. Aside from home insurance, Kinan also handles matters related to business, car, and life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
atchleyins.com
6864 Indiana Avenue, Riverside, CA 92506
Control Insurance Services Inc.
24267 Sunnymead Boulevard, Moreno Valley, CA 92553
All Solutions Insurance LLC
22364 Alessandro Blvd, Moreno Valley, CA 92553
speedyins.com
12625 Frederick Street, Moreno Valley, CA 92553
Scott Fowler - State Farm Insurance Agent
6950 Indiana Avenue, Riverside, CA 92506
All Discount Insurance Services Inc.
22484 Alessandro Blvd., Moreno Valley, CA 92553
arlanknutsoninsurance.com
21160 Box Springs Road, Moreno Valley, CA 92557
Best Insurance Services
23940-A Ironwood Avenue, Moreno Valley, CA 92557
Aguayo Insurance Solutions, Inc
14055 Perris Boulevard, Moreno Valley, CA 92553
Paul Nicholas Kinan - Nationwide Insurance
24124 Sunnymead Boulevard, Moreno Valley, CA 92553

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 factors affect your homeowners’ insurance premium in Moreno Valley?

    Your coverage choices are major factors in how much premium you will be paying. Choosing a comprehensive homeowners’ insurance policy with higher coverage for personal property or extra coverage for expensive items raises your premium rate. Meanwhile, opting for a high deductible amount can lower your premium. Your home’s age and condition also affect your premium as an old house would need more expensive repairs.

  • How is replacement cost better than actual cash value (ACV) when buying homeowners’ insurance in Moreno Valley?

    Policies based on replacement cost will pay for the repair of home damages or replacement of damaged items for what they are worth in the current market. You can buy brand-new replacements and repair your Moreno Valley house using materials of similar quality as the original. Meanwhile, insurance based on ACV will reimburse you for repair or replacement costs minus depreciation. You may end up shelling out more money to make up for the depreciation difference.

  • Should you have an inflation guard clause added to your homeowners’ insurance policy in Moreno Valley?

    It is recommended that your homeowners’ insurance policy have an inflation guard clause. This insurance feature makes automatic adjustments to your coverage limits to account for changes in the construction costs in Moreno Valley. The cost of labor and materials to repair your house two years ago may be largely different when do the repairs next year. The limits update takes effect during your policy renewal.

  • What’s the difference between buying a homeowners’ insurance policy from an independent insurance agent versus a captive insurance agent in Moreno Valley?

    Independent insurance agents are not exclusive to a single insurance provider. They have access to more providers which means more insurance coverage and rate options for you to choose from. Independent agents in Moreno Valley can help you purchase additional homeowners’ insurance coverage to cater to a specific need, such as artwork protection, even if is from a different provider. On the other hand, captive agents are usually limited to offering products from the single insurance provider they work for.

  • Are there practical ways to lower your homeowners’ insurance costs in Moren Valley?

    Yes. One way to maximize insurance savings is to bundle your homeowners’ insurance policy with another insurance policy from the same provider. Many insurance companies in Moreno Valley offer bundle packages of home and auto insurance policies for lower premiums. You can also take advantage of discounts. Insurers commonly offer deductions if you have home protection features installed, such as burglar and fire alarm systems and deadbolt locks.

  • 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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