Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Rancho Cucamonga, CA

Our Recommended Top 10

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 Rancho Cucamonga 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.

109Reviewed

69Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

10700 Jersey Blvd Suite 230, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Holt Insurance Agency, Inc., is an independent homeowners' insurance agency that serves individuals and families in Rancho Cucamonga and the surrounding areas. Its agents assist residential property owners with insuring their homes against potential risks. They help clients get quotes for home insurance, condo insurance, manufactured or mobile home insurance, and motor home insurance. Aside from homeowners' insurance, the team also answers inquiries and provides options in other types of personal insurance as well as business insurance.

  • Flood
  • Renter's Insurance
  • Multiple Policy Types

9333 Baseline Rd, Suite 210, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Yelp
5.0 (7)

Why choose this provider?

Hance Insurance Agency was founded by Laurie Hance to provide a broad range of insurance options for individuals and families. The Rancho Cucamonga-based agent educates homeowners on the different insurance policies available to help them make an informed decision regarding their insurance product options. Some of her packages are homeowners' liability, scheduled property insurance, landlords' insurance, and property insurance. Hance also includes coverage for mobile homes, in-home businesses, and condominiums.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

3110 East Guasti Road, Ontario, CA 91761

Expertise.com Rating

Review Sources

Google
3.7 (3)
Yelp
3.5 (3)
Facebook
5.0 (2)

Why choose this provider?

Amorelli, Rosemann & Associates Insurance Services is a company providing homeowners insurance policies to clients throughout the greater Rancho Cucamonga area. The agency offers homeowners insurance policies from several carriers and it can combine multiple policies to provide clients with benefits such as lower premiums and single deductibles. Amorelli, Rosemann & Associates Insurance Services also offers life, health, and recreational vehicle insurance policies. The company has over 30 years of experience in the insurance industry.

  • Multiple Policy Types

9950 West Foothill Boulevard, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Yelp
4.5 (54)
Google
4.0 (30)

Why choose this provider?

Freeway Insurance provides personal and commercial insurance policies for residents and business owners around Rancho Cucamonga. The company provides home and property insurance coverage for homeowners, renters, and landlords. The homeowners' insurance policy serves as a safety net for clients when disaster strikes. The insurance compensates for the damages to the home and its contents in the event of fire, flood, or theft. The insurance can also cover liability protection in the case of someone getting injured on the client's property.

  • Renter's Insurance
  • Flood
  • Fire

9121 Haven Ave #100, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Google
4.9 (116)
Yelp
4.5 (24)

Why choose this provider?

Barranca Insurance Services, Inc., is a family-owned and operated company that serves the Rancho Cucamonga area. It has been in the business since 1972 and offers a wide range of insurance policies for clients to choose from. It caters to homeowners in need of protection for their homes from natural disasters such as earthquakes and flooding. The company offers policies for manufactured homes and condos. It also offers its services to Spanish-speaking clients.

  • Condos
  • Renter's Insurance
  • Fire

PO Box 2235, Rancho Cucamonga, CA 91729

Expertise.com Rating

Review Sources

Google
4.0 (1)

Why choose this provider?

American Advantage Insurance Agency is located in Rancho Cucamonga. It covers homeowners and their properties for damage from incidents like sewer backup, freezing temperatures, and vehicular collisions. Its agents discuss these possibilities and other unique risks, like floods and earthquakes. Clients can also use liability coverage for the medical fees of physical injury of visitors. They can also get dwelling replacement in case they lose their home or are forced to temporarily relocate. The company also covers insurance for automobiles and businesses.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

8440 Maple Pl Suite 104, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Google
4.9 (54)
Yelp
4.5 (34)
Facebook
5.0 (10)

Why choose this provider?

Mike Gaumer is an insurance agent for State Farm who provides a full range of insurance solutions for Rancho Cucamonga residents. Gaumer handles home insurance policies that include personal property coverage. Home insurance plans also provide protection for personal belongings including collectibles, jewelry, clothing, furniture, appliances, and sports equipment. Gaumer has been an insurance agent for over three decades. Before becoming an agent, he handled auto insurance and fire insurance claims for a decade.

  • Multiple Policy Types

9613 Arrow Route H, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

The Dave Kaminsky Insurance Agency is an insurance firm based in California with over 30 years of industry experience. It provides insurance products and solutions to clients in the Rancho Cucamonga area. It offers extensive homeowners' insurance policies, covering dwellings, structures, personal property, loss of use, and personal liability. Additional coverage for replacement costs, personal article floaters, and identity fraud are also available through the agency. Other insurance products include life insurance, commercial insurance, auto insurance, boat insurance, RV insurance, and motorcycle insurance.

  • Multiple Policy Types

9225 Charles Smith Ave, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Facebook
5.0 (38)
Google
4.1 (22)
Yelp
4.0 (6)

Why choose this provider?

Hammer Insurance Services, Inc., provides homeowners insurance to clients around the Rancho Cucamonga area. Its insurance experts help clients find the best rates for the coverage they need by obtaining quotations from different insurance providers. Aside from homeowners, they serve property managers and owners of rental properties and mobile homes. They also handle auto insurance for drivers of different vehicle types and provide business insurance that covers general liability and workers' compensation.

  • Multiple Policy Types

9267 Haven Avenue, Rancho Cucamonga, CA 91730

Expertise.com Rating

Review Sources

Google
5.0 (918)
Facebook
4.9 (72)
Yelp
4.5 (16)

Why choose this provider?

The S&R Insurance Group is a local homeowners' insurance agency that serves residents in Rancho Cucamonga and the surrounding areas. Its insurance agents can customize basic home insurance policies, which typically cover the main dwelling, other structures, and personal properties such as appliances, furniture, jewelry, and other valuable items. The S&R Insurance Group also offers various commercial insurance products like business property insurance, commercial auto insurance, and general liability insurance.

  • Renter's Insurance
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Holt Insurance Agency, Inc.
10700 Jersey Blvd Suite 230, Rancho Cucamonga, CA 91730
Hance Insurance Agency
9333 Baseline Rd, Suite 210, Rancho Cucamonga, CA 91730
Amorelli, Rosemann & Associates Insurance Services
3110 East Guasti Road, Ontario, CA 91761
Freeway Insurance
9950 West Foothill Boulevard, Rancho Cucamonga, CA 91730
Barranca Insurance Services, Inc.
9121 Haven Ave #100, Rancho Cucamonga, CA 91730
American Advantage Insurance Agency
PO Box 2235, Rancho Cucamonga, CA 91729
Mike Gaumer - State Farm Insurance Agent
8440 Maple Pl Suite 104, Rancho Cucamonga, CA 91730
The Dave Kaminsky Insurance Agency
9613 Arrow Route H, Rancho Cucamonga, CA 91730
Hammer Insurance Services, Inc.
9225 Charles Smith Ave, Rancho Cucamonga, CA 91730
S&R Insurance Group
9267 Haven Avenue, Rancho Cucamonga, CA 91730

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.
  • Is home insurance required in Rancho Cucamonga?

    No, homeowners in Rancho Cucamonga are not required to have a home insurance policy by law. Still, most mortgage lenders require people to have home insurance to ensure that the property they have a financial stake in is protected from potential damage. Lenders typically request borrowers to have dwelling, liability, and personal property coverage.

  • Why do insurance providers in Rancho Cucamonga ask policyholders to keep an inventory of their homes?

    Insurance providers in Rancho Cucamonga usually ask policyholders to keep an inventory of their homes to help ensure a smooth claims process. People should list the items in their homes, take photos of their possessions, and present them to their insurance provider. It is also advisable to keep receipts proving ownership and how much the item is worth.

  • Can an insurance company in Rancho Cucamonga cancel someone's homeowners' insurance coverage?

    Yes, there are situations where a Rancho Cucamonga insurance company could cancel a homeowners' insurance policy during its term. Insurers could cancel a homeowners' policy for issues relating to fraud, material misrepresentation, and nonpayment of a premium. Activities or omissions that increase the risk of a hazard and physical changes in the property that render it uninsurable might also lead to the cancellation of home insurance coverage.

  • Is it beneficial to have home insurance in Rancho Cucamonga?

    Yes. Having homeowners' insurance in Rancho Cucamonga provides several benefits to policyholders, including the financial protection of the main and detached structures in the property. It also offers coverage for damage and losses to personal belongings from natural disasters such as earthquakes and hurricanes. Homeowners' insurance plans typically include protection from lawsuits in the event a person is injured on the property.

  • What is scheduled personal property insurance in Rancho Cucamonga?

    In Rancho Cucamonga, scheduled personal property insurance provides enhanced financial coverage for certain items that may not be fully protected under a standard homeowners' policy. The policy will help pay for the expenses of replacing or repairing items of exceptional value, such as cameras, jewelry, artwork, musical instruments, and golf equipment.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.