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2024

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Best Homeowners Insurance Agencies in Napa, CA

Our Recommended Top 6

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 Napa 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.

51Reviewed

33Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

929 Golf Course Drive, Rohnert Park, CA 94928

Expertise.com Rating

Review Sources

Google
4.3 (24)
Facebook
5.0 (12)
Yelp
5.0 (8)

Why choose this provider?

New Redwood Insurance Services is an insurance agency that has been working with the people of Napa since 2012. The company offers homeowners insurance packages with a variety of discount options, such as newly built home, green home, and protective device discounts. Its team has additional experience selling insurance policies for RV owners and home renters. New Redwood Insurance Services also has boat, automobile, professional and general liability, and workers' compensation insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1000 West College Avenue, Santa Rosa, CA 95401

Expertise.com Rating

Review Sources

Yelp
5.0 (7)
Facebook
5.0 (6)

Why choose this provider?

With two offices in the area, Argos Insurance Services is an insurance agency serving the people of Napa and the surrounding cities. The company offers standard homeowners insurance plans that cover the cost of repairs for damage done to clients' homes by high-speed winds and fires. It also has add-ons to clients' existing insurance plans that cover damage from earthquakes and flooding. Additionally, Argos Insurance Services sells packages for clients' cars, businesses, and motorcycles.

  • Multiple Policy Types
  • Renter's Insurance

2780 Stony Point Road, Santa Rosa, CA 95407

Expertise.com Rating

Review Sources

Google
5.0 (52)
Yelp
4.5 (10)
Facebook
5.0 (9)

Why choose this provider?

Eddie Sandoval is an insurance agent near Napa who works with State Farm Insurance. The agent has been working in the insurance field for over 20 years, and he offers homeowners insurance packages to cover the cost of repairs for clients' homes that have been damaged due to storms and fires. His plans also protect the contents and visitors of the home. Additionally, Sandoval sells plans for cars, businesses, and pets.

  • Multiple Policy Types

2205 Main Street, Napa, CA 94558

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (7)
Yelp
4.0 (4)

Why choose this provider?

Narvaez Insurance Services is an insurance agency working with the people of Napa and the surrounding communities. The company's founder, Bernardo Narvaez, has been working in the insurance industry for over a decade, and his team sells homeowners insurance for vacant, primary, and seasonal residences. The team also sells insurance for investment properties that are occupied by tenants. Additionally, Narvaez Insurance Services offers policies to cover companies from workers' compensation claims.

  • Multiple Policy Types

1500 Zinfandel Lane, St. Helena, CA 94574

Expertise.com Rating

Review Sources

Yelp
4.5 (49)
Facebook
5.0 (6)
Google
4.0 (1)

Why choose this provider?

Jaffe Insurance Agency is an insurance company that has been working with the residents of Napa since 1948. The agency is independent and represents a number of insurance providers, including Progressive, Blue Shield of California, and Mercury. Its team uses these connections to provide clients with a range of options for their homeowners insurance packages. It also offers insurance packages for renters and RV owners. Additionally, the company sells policies to cover cars and businesses.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

122 Calistoga Road 103, Santa Rosa, CA 95409

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Sonoma Valley Insurance Agency Inc. is an insurance agency that has been working with the residents of Napa for over 25 years. The company sells customized homeowners insurance packages that provide coverage for clients' homes and belongings in the event of theft, vandalism, and natural disasters. The policies may also cover visitors in the home who sustain injuries. The agency works with a variety of providers, such as The Hartford, Allied Insurance, and MetLife.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
New Redwood Insurance Services
929 Golf Course Drive, Rohnert Park, CA 94928
Argos Insurance Services
1000 West College Avenue, Santa Rosa, CA 95401
Eddie Sandoval - State Farm Insurance Agent
2780 Stony Point Road, Santa Rosa, CA 95407
Narvaez Insurance Services
2205 Main Street, Napa, CA 94558
Jaffe Insurance Agency
1500 Zinfandel Lane, St. Helena, CA 94574
Sonoma Valley Insurance Agency, Inc.
122 Calistoga Road 103, Santa Rosa, CA 95409

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 can an annual policy review be beneficial for a homeowner in Napa?

    An annual policy review can help Napa homeowners maintain adequate insurance coverage. During this process, the insurance agent will examine the homeowner's and their family's lifestyle and compare it to the existing coverage. The agent will make a recommendation and help the homeowner make a choice. To ensure an efficient review procedure, it is essential that policyholders come prepared with questions and their most recent and accurate information.

  • What kinds of properties in Napa may not be insured under the California FAIR Plan?

    Long-term unoccupied or vacant homes in Napa will not be insured under the California FAIR Plan. The same holds true for homes with existing damage that the owner does not intend to repair. Properties obtained through illegal means are not covered by the plan. Homeowners may only obtain FAIR insurance plans if they have been denied coverage by conventional insurers or have exhausted all other options for obtaining insurance.

  • How much can a homeowner in Napa get from the National Flood Insurance Program's Increased Cost of Compliance Coverage?

    The National Flood Insurance Program's Increased Cost of Compliance Coverage provides homeowners in high-risk flood zones with up to $30,000. This can help them offset the expenses associated with rebuilding their homes in accordance with the local government's flood plain management ordinance. The coverage is available to homeowners who have been notified by the floodplain administrator of their community that their home has sustained substantial damage.

  • Is there a required time frame for insurance companies to give feedback to Napa policyholders about their claims?

    Yes. There are various time constraints. Insurance companies have up to 15 days to notify Napa policyholders of the receipt of their claim. They must also respond to the policyholder's questions within 15 days, whether by email, phone, or mail. When a policyholder requests a copy of their policy, the insurer has 30 days to provide a complete copy. Furthermore, an insurer must provide feedback to policyholders within 40 days of receiving claim proof and inform them whether their claims have been approved or rejected.

  • Who in Napa can be eligible for a grant under the Defensible Space Project?

    Eligible homeowners in Napa are those who reside in the High or Very High Fire Hazard Severity Zones or within one mile. These regions are visible on either the 2022 or 2007 map. Contact the Napa Communities Firewise Foundation or Napa Firewise for more information on the Defensible Space Project and other community programs that assist homeowners in reducing their wildfire risk. Send correspondence to Napa Firewise at info@napafirewise.org or the following mailing address:

  • 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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