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2024

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Best Homeowners Insurance Agencies in Murrieta, CA

Our Recommended Top 11

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 Murrieta 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.

73Reviewed

48Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

29970 Technology Dr. Ste. 214, Murrieta, CA 92563

Expertise.com Rating

Review Sources

Yelp
4.1 (13)
Google
5.0 (12)
Facebook
5.0 (10)

Why choose this provider?

Countryside Insurance Agency is an independent agency offering insurance policies to clients throughout Murrieta and the surrounding communities. The agency offers homeowners' insurance solutions to protect residential property owners from wind and storm damage, umbrella liability, replacement cost for personal property, and dog bite liability. The company's professionals also provide business liability, commercial property, earthquake, workers' compensation, and auto insurance options. Agency principal Neil Feduniw established the firm in 2018.

  • Home and Auto Insurance
  • Commercial Insurance
  • Commercial Business

32100 Clinton Keith Road, Wildomar, CA 92595

Expertise.com Rating

Review Sources

Google
4.7 (41)
Yelp
4.0 (12)

Why choose this provider?

SGB Insurance Services Inc. is an insurance agency serving the residents of Murrieta and the nearby communities. The company's agents advise clients on rates from over 100 insurance providers and help them build customized plans to cover their homes in case of natural disasters, vandalism, and theft. They have additional experience selling coverage for renters and landlords. Additionally, SGB Insurance Services Inc. offers health care, life, commercial, and auto insurance plans.

  • Renter's Insurance
  • Multiple Policy Types
  • Earthquake

40414 California Oaks Road, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
5.0 (11)
Yelp
5.0 (8)

Why choose this provider?

Amy Blackwell is an insurance agent working with State Farm Insurance and serving the residents of Murrieta and the nearby areas. The agent sells homeowners insurance plans to cover clients' homes when they are damaged by heavy rain, smoke and fire, and high-speed winds. She also offers insurance plans to cover properties for renters and condo owners. Additionally, Blackwell has experience building life, car, business, health, and pet insurance policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

24679 Monroe Avenue, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
4.8 (39)
Yelp
4.5 (22)

Why choose this provider?

Barranca Insurance Services, Inc., caters to clients in the Murrieta area that seek to ensure financial protection for their homes. The family-owned agency assists homeowners in identifying suitable policies that cover damage expenses in the event of a disaster. Barranca Insurance Services also handles coverages for manufactured homes, renters, and properties impacted by flooding and earthquakes. The firm's agents have been addressing the insurance needs of homeowners in the San Bernardino and Riverside areas since 1972.

  • Multiple Policy Types

32395 Clinton Keith Rd a208, Wildomar, CA 92595

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Wildomar Insurance is an insurance company that serves clients in Murrieta and nearby counties of California. The company works with homeowners to find a coverage plan for their house. It considers all features of the property such as the material of the walls, the number of rooms, and the total square feet. It covers them for damage from disasters like fire and lightning and crimes like theft. It also offers maintenance coverage for houses that need reconstruction over time.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

40750 Symphony Park Lane, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (5)
Yelp
5.0 (3)

Why choose this provider?

Bulen & Associates Insurance Services is a homeowners' insurance agency in Murrieta accommodating clients with different kinds of homes such as frame houses, concrete block structures, mobile homes, and townhouses. It can also help condo owners and those with manufactured homes insure their assets. The policies provided by the agency include safeguards from damage caused by fires, storms, and hail, along with trampoline or swimming pool liability insurance and umbrella liability insurance. The agency also helps clients secure replacement costs for personal properties. Bulen & Associates Insurance Services has been supporting clients since 1929.

  • Multiple Policy Types

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. - Murrieta has provided residents and small businesses with insurance solutions in Murrieta and neighboring locations since 2004. They help homeowners safeguard their residential properties from damages and losses with homeowners insurance. The agents work with clients to assess their individual needs and present them with a wide range of choices on coverages and options. Carver Insurance Services, Inc. - Murrieta also offers other insurance products, such as renters insurance, landlord insurance, and renters insurance.

  • Multiple Policy Types

29930 Hunter Road, Murrieta, CA 92563

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Rancho Cal Insurance Services is a local independent insurance agency that serves Murrieta residents and the surrounding areas. The agency works with clients on a one-on-one basis to ensure they find quality homeowners' insurance plans tailored to their specific needs and budgets. With more than 25 years of experience, the agency represents and provides quotes from multiple insurance carriers, including Berkshire Hathway Guard, Mercury, Infinity, and Progressive, among others. Rancho Cal Insurance Services also serves clients in Temecula, Hemet, Winchester, and Menifee.

  • Multiple Policy Types

41856 Ivy Street, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (4)
Yelp
5.0 (4)

Why choose this provider?

Winchester & Associates Insurance Services is a business that offers insurance solutions to clients throughout Murrieta and nearby regions. Its team of professionals offers a homeowners' insurance policy that covers home damages, personal belongings, loss of use, legal responsibility, and personal property. Other insurance options cover automobiles, businesses, events, facilities, equipment, and horses. Winchester & Associates Insurance Services works with insurance providers, such as Chubb, Kemper Specialty, Progressive, Hartford, Mercury, and MetLife.

  • Multiple Policy Types

40675 California Oaks Road, Murrieta, CA 92562

Expertise.com Rating

Review Sources

Google
5.0 (14)
Yelp
5.0 (3)
Facebook
4.4 (1)

Why choose this provider?

Access West Insurance Services protects homeowners in and around Murrieta. The homeowners' insurance agency safeguards different kinds of homes like frame houses, townhouses, manufactured homes, and concrete block structures. It offers policies that cover damage sustained from fires, sinkholes, and backups from sewers or septics—which is usually an uncommon endorsement for policies. The insurance agency also offers dog bite liabilities. Access West Insurance Services agents have been in the business for over 30 years.

  • Multiple Carriers
  • Multiple Policy Types

27570 Commerce Center Drive, Temecula, CA 92590

Expertise.com Rating

Review Sources

Yelp
4.5 (3)
Facebook
5.0 (1)

Why choose this provider?

Friant Insurance Agency is an independent insurance company serving the people of Murrieta and the surrounding areas. The company's team represents multiple insurance providers in order to help clients find ideal combinations of coverage for their homes. Its homeowners insurance plans cover the properties in the event of earthquakes, fires, and storms. Friant Insurance Agency also offers auto, RV, and renters insurance from Progressive, Safeco Insurance, The Hartford, and Nationwide.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Countryside Insurance Agency
29970 Technology Dr. Ste. 214, Murrieta, CA 92563
insuremesgb.com
32100 Clinton Keith Road, Wildomar, CA 92595
Amy Blackwell - State Farm Insurance Agent
40414 California Oaks Road, Murrieta, CA 92562
Barranca Insurance Services, Inc.
24679 Monroe Avenue, Murrieta, CA 92562
Wildomar Insurance
32395 Clinton Keith Rd a208, Wildomar, CA 92595
https://www.bulen.com/
40750 Symphony Park Lane, Murrieta, CA 92562
Carver Insurance Services, Inc. - Murrieta
40525 California Oaks Road, Murrieta, CA 92562
Rancho Cal Insurance Services
29930 Hunter Road, Murrieta, CA 92563
Winchester & Associates Insurance Services
41856 Ivy Street, Murrieta, CA 92562
Access West Insurance Services
40675 California Oaks Road, Murrieta, CA 92562
friantinsurance.com
27570 Commerce Center Drive, Temecula, CA 92590

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 are the possible coverages in a homeowners' insurance policy in Murrieta?

    A homeowners' insurance policy in Murietta may include personal liability coverage. It protects the property owner from situations that may lead to lawsuits, such as slips and falls, dog bites, and swimming pool accidents. It also covers sinkholes, septic backups, and storm, fire, wind, and flood damage. Additionally, the homeowner may opt to pay for umbrella liability insurance.

  • What is the 80% rule in homeowners' insurance in Murrieta?

    In Murrieta, the 80% rule in homeowners' insurance means that a property should be insured for at least 80% of its replacement cost. This rule prevents underinsurance and helps homeowners rebuild or replace their damaged homes without sustaining significant losses. For instance, if a home is worth $500,000, the home insurance policy limit should be 80% of the replacement cost, or $400,000.

  • How can you lower your homeowners' insurance premiums in Murrieta?

    When shopping for a homeowners' insurance policy in Murrieta, choose good coverage at a fair price and get every available discount. You can also buy auto and homeowners' insurance policies from the same insurer to claim a multiple-policy discount. Do not overlook insurance costs when buying a new home. You should also consider several factors affecting insurance premium costs, including flood risk, fire hydrant accessibility, and house structure. Increase your deductibles and talk to your insurance provider every year to keep your coverage updated.

  • Is it required to have a homeowners' insurance policy in Murrieta?

    No, buying a homeowners' insurance policy is not required in Murrieta. However, lenders and banks require insurance until the mortgage loan is paid. In general, homeowners' insurance covers the cost of fixing or rebuilding a home that has sustained damage from covered perils. Without insurance, the homeowner must pay out-of-pocket, which can be much more expensive than monthly premiums. Homeowners' insurance also provides liability protection, which covers bodily injury and property damage to others.

  • How do homeowners insurance deductibles work in Murrieta?

    A homeowners' insurance deductible is the amount the policyholder agrees to pay before claiming insurance benefits. Higher deductibles mean lower insurance premiums. On the other hand, lower deductibles can make insurance more expensive. If a homeowner has a $5,000 deductible, the premium can be cheap, but they can only claim an amount in excess of $5,000. If a roof repair costs $4,000, then the homeowner needs to pay for the total bill.

  • 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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