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2024

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Best Homeowners Insurance Agencies in Newport Beach, 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 Newport Beach 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.

52Reviewed

34Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2072 Orchard Dr A, Newport Beach, CA 92660

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
4.5 (7)

Why choose this provider?

News Insurance Service, Inc. is an independent insurance agency based in Newport Beach. The agency has a wide range of insurance policies in its line-up, including homeowners' insurance. Its homeowners' insurance gives its clients financial protection for damages to their property and personal belongings. It also protects the clients from liabilities in case someone is injured inside their properties. The different types of coverages offered by the insurance include dwelling coverage, personal coverage, and liability coverage.

  • Multiple Policy Types

1001 Dove Street, Newport Beach, CA 92660

Expertise.com Rating

Review Sources

Yelp
4.0 (10)
Google
4.6 (9)

Why choose this provider?

Murvay Insurance is an insurance agency providing customized insurance coverage through its office in Newport Beach. The homeowners' insurance the agency offers covers the cost of fixing the home of its clients if it's damaged due to an unforeseen disaster. It also covers personal liability in case guests are injured while inside the home. The personal liability coverage covers medical expenses and court fees in case the guest files a lawsuit against the homeowner.

  • Multiple Carriers
  • Multiple Policy Types

2435 East Coast Highway, Corona del Mar, CA 92625

Expertise.com Rating

Review Sources

Yelp
5.0 (26)
Google
5.0 (10)
Facebook
5.0 (7)

Why choose this provider?

Bob Garrett - State Farm Insurance Agent and his team have more than six decades of combined experience providing homeowners in and around Newport Beach with various insurance options. He helps homeowners manage personal risk by protecting them from common disasters, theft, fire, and vandalism. Services are also available in Spanish. Mr. Garrett is a member of the Newport Beach Chamber of Commerce and provides assistance with out-of-state transfers to Orange County.

  • Multiple Policy Types

5020 Campus Drive, Newport Beach, CA 92660

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Balboa Pacific is an independent insurance agency based in Newport Beach that offers personal and commercial insurance products and options. It combines decades of industry experience with the knowledge of the current laws and regulations when providing the right coverage option for homeowners insurance. This type of policy covers the damage caused by disasters and events such as theft, fire, and windstorms. This agency also has access to companies that offer multi policies, smoke detectors, and security systems.

  • Flood

21168 Beach Boulevard, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Google
4.9 (51)
Yelp
5.0 (23)
Facebook
5.0 (1)

Why choose this provider?

California Insurance Finder has two decades of experience helping clients find suitable insurance policies in the Huntington Beach and Newport Beach areas. Its homeowners insurance policies allow clients to protect their homes against unexpected losses. The agency's insurance agents assist clients in finding suitable coverages that fit their needs. The coverages available for clients include dwelling, unscheduled personal property, personal liability, loss of use, and other structures.

  • Multiple Policy Types

5015 Birch Street, Newport Beach, CA 92660

Expertise.com Rating

Review Sources

Yelp
4.5 (14)
Google
4.3 (11)

Why choose this provider?

Roger Stone Insurance Agency is a Newport Beach independent insurance agency that offers home insurance to its local community. It aims to protect its clients' homes and personal possessions. Home insurance takes in the forms of homeowners', condo, or renters' insurance, and clients can choose which one is applicable to their setup. The agency's staff customizes the clients' coverage to meet their requirements. Roger Stone Insurance Agency also offers auto, business, and life insurance.

  • Multiple Carriers
  • Multiple Policy Types

2901 West Coast Highway, Newport Beach, CA 92663
WebsiteLicense: 0F88072

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

GYC Insurance Agency is an independent insurance company servicing Newport Beach and nearby communities. It helps protect homeowners by issuing a policy that can cover damages to home and personal belongings, fire and smoke damages, theft, and vandalism. It also quotes and writes policies for renters insurance, car insurance, and umbrella insurance. With years of experience handling and understanding its diverse clients, the agency's insurance professionals have been trained to formulate solutions and create a uniquely designed plan to fit each client's needs.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
News Insurance Service, Inc.
2072 Orchard Dr A, Newport Beach, CA 92660
Murvay Insurance
1001 Dove Street, Newport Beach, CA 92660
Bob Garrett - State Farm Insurance Agent
2435 East Coast Highway, Corona del Mar, CA 92625
Balboa Pacific
5020 Campus Drive, Newport Beach, CA 92660
California Insurance Finder
21168 Beach Boulevard, Huntington Beach, CA 92648
Roger Stone Insurance Agency
5015 Birch Street, Newport Beach, CA 92660
GYC Insurance Agency
2901 West Coast Highway, Newport Beach, CA 92663

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 does high-value home insurance work in Newport Beach?

    A high-value home insurance policy covers homes worth one million dollars or more. It provides more coverage than standard policies, as well as more generous settlement offers and lenient rulings in situations such as accidental breakage or the mysterious disappearance of items. This is appropriate for Newport Beach homes, as the median home value in the metro is $2,900,000. It can also help luxury estates with staff, regular guests, and expensive items like custom-stained glass windows, fine wines, and imported rugs.

  • Should you buy condo insurance if the condominium association in Newport Beach has a master policy?

    Condo insurance is recommended if you want financial protection for your internal unit and belongings. This is due to the condominium association's master policy only covering the Newport Beach structure. Having your own policy has its advantages as well, as many condo associations require the unit owners' deductibles on the master insurance. It is critical that your coverage is consistent with the master policy.

  • How do you deal with the insurance adjuster after filing a property claim in Newport Beach?

    The more information you provide to the insurance adjuster, the faster your claim will be processed and settled. An insurance adjuster is a professional trained to assess the damage to your Newport Beach property. However, if they are unable to complete the assessment for some reason, they may be forced to do what is known as scoping the loss. It is critical that you keep a record of all phone calls and correspondence with the insurance adjuster, as well as all documents received from them.

  • Can you cash out your home insurance's Additional Living Expenses (ALE) coverage limits in Newport Beach?

    Yes, you can ask the insurance adjuster in Newport Beach for a cash advance on your home insurance's Additional Living Expenses coverage. There will be times when the adjuster will refuse, but policyholders can always negotiate a solution. In general, insurance companies reimburse costs as they are incurred, eliminating the need for policyholders to wait for a lump-sum check at the end of the claim process.

  • Will it be difficult to obtain homeowner's insurance that covers dog bites if you have a pet pit bull at home in Newport Beach?

    Most standard homeowner's insurance policies exclude coverage for dog bites involving specific breeds, with pit bulls usually at the top of the list. There are also some policies that do not cover pet liability, so check with your insurance company to see if you are covered. If you do not, you can always get umbrella insurance or find an insurer who does not discriminate based on breed.

  • 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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