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2024

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Best Homeowners Insurance Agencies in Redlands, CA

Our Recommended Top 8

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 Redlands 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.

48Reviewed

32Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1150 Brookside Ave, Redlands, CA 92373

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

Saint Moore Insurance Agency began servicing Redlands in 1958, providing individuals and businesses a wide range of insurance products, including homeowners' insurance. Its agents guide clients in navigating the coverage options and limits of the policy to ensure the policyholder receives the proper amount of coverage. On top of the standard coverages, which include dwelling and personal property, the agents help in determining if broader protection, such as scheduled property endorsement and increased personal liability coverage, is needed. Saint Moore Insurance Agency is licensed in more than 40 states.

  • Multiple Policy Types

826 Brookside Avenue, Redlands, CA 92373

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Marianna Raynor is a State Farm insurance agent based in Redlands. Marianna has been with the insurance carrier since 1984 and offers clients home and auto insurance. State Farm's homeowners' insurance covers the dwelling and its contents, as well as attached areas like the garden, from insured perils like natural calamities, random acts of theft or vandalism, or damage from abrupt acts like water damage from sewage. Marianna also caters to life, health, and pet insurance policy needs.

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

1558 Orange St, Redlands, CA 92374

Expertise.com Rating

Review Sources

Google
4.4 (7)

Why choose this provider?

Hit & Run Insurance offers a variety of insurance solutions for individuals and business property owners in Redlands and the neighboring communities. The agents help clients with protecting their residential properties in case of financial loss or damages due to a wide range of risks and exposures. Each homeowners' insurance policy is tailored for the specific needs of and the requirements provided by the client. The company has been in the industry since 2008.

  • Personal Property Insurance
  • Multiple Policy Types

1654 Plum Lane, Redlands, CA 92374

Expertise.com Rating

Review Sources

Google
4.8 (21)

Why choose this provider?

Arroyo Insurance Services is an independent agency that has been providing insurance products and services since 1881 serving Redlands and the surrounding areas. The group of professionals at this firm offers a standard homeowners' insurance policy that financially protects the customer from disasters, such as explosions, lightning, and fire incidents. The home insurance policy's coverages include replacement cost, liability protection, and dwelling. Its team of insurance agents also provides additional policies, like flood and earthquake insurance plans.

  • Multiple Policy Types
  • Personal Property Insurance

34277 Yucaipa Boulevard, Yucaipa, CA 92399

Expertise.com Rating

Why choose this provider?

Holt Insurance Services Inc. is an independent agency that can find personal and commercial clients a wide range of policies from those offered by major carriers, such as Bristol West and Foremost. The agents have been assisting homeowners since 2003, arranging coverage for disasters, such as fires, and unforeseen events, such as burst pipes. Additionally, they can help personal clients find life, health, and auto insurance policies that meet their coverage requirements.

  • Earthquake
  • Flood
  • Fire

34045 Yucaipa Boulevard, Yucaipa, CA 92399

Expertise.com Rating

Review Sources

Facebook
4.6 (9)
Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Gillmore Insurance is an independent agency near Redlands that has years of experience helping its clients choose from a range of policies offered by leading carriers, such as Foremost, Hagerty, and The Hartford. Its agents frequently serve homeowners in need of various levels of coverage for their properties. This typically includes structural damage, liability from claims by injured visitors, replacement of personal items, and, for an increased premium, the replacement of valuable items, such as jewelry.

  • Personal Property Insurance
  • Multiple Policy Types

23940-A Ironwood Ave, Moreno Valley, CA 92557

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

For more than three decades, the independent agents at Best Insurance Services have been serving the needs of personal and commercial clients in the Redlands metro area. They have access to the policies of more than 30 carriers, which enables them to find those that are best suited for their clients. The agents can also discuss add-on coverage, such as the loss of personal items and protection from liability claims if visitors are injured on the property.

  • Earthquake
  • Personal Property Insurance
  • Flood

1030 Nevada St Suite 106, Redlands, CA 92374

Expertise.com Rating

Review Sources

Google
4.8 (9)

Why choose this provider?

Central City Insurance Agency, Inc. is a Redlands-based insurance agency that specializes in personal and commercial lines. It offers homeowners insurance plans that cover residence premises, which are comprised of the dwelling, attached structures, and other parts of the property the policyholder owns. Supplemental coverage options include additional living expenses, comprehensive personal liability, medical payments, personal injury, and scheduled personal property. The company compares insurance rates and coverages from more than a dozen carriers to provide clients with the best options possible.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Saint Moore Insurance Agency
1150 Brookside Ave, Redlands, CA 92373
Marianna Raynor - State Farm Insurance Agent
826 Brookside Avenue, Redlands, CA 92373
Hit & Run Insurance
1558 Orange St, Redlands, CA 92374
Arroyo Insurance Services
1654 Plum Lane, Redlands, CA 92374
Holt Insurance Services, Inc.
34277 Yucaipa Boulevard, Yucaipa, CA 92399
Gillmore Insurance
34045 Yucaipa Boulevard, Yucaipa, CA 92399
Best Insurance Services
23940-A Ironwood Ave, Moreno Valley, CA 92557
Central City Insurance Agency, Inc.
1030 Nevada St Suite 106, Redlands, CA 92374

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 can small insurance carriers gain in the current homeowners insurance situation in Redlands?

    Small homeowners insurance carriers in Redlands would have less competition due to the exit of larger insurers in the state. The spaces they left can be taken over by tech-driven, nimble entrants. The online marketplace also has aggressive young players who can offer policies with little overhead, allowing them to take added risks.

  • Why is it starting to get more difficult and costly to obtain Redlands homeowners insurance?

    It is getting more difficult and more costly to obtain Redlands homeowners insurance because of climate change, particularly wildfires; increasingly higher rebuilding and repair costs; and the rising expense of replacing homes due to soaring labor and building supplies expenses. The limit being placed by California on insurance premiums is also a major factor, which caused several large players in the insurance industry to stop offering new policies.

  • Is it important to include water line insurance in a Redlands homeowners insurance policy?

    It is important to include water line insurance in a Redlands homeowners insurance policy because damaged water lines cause extensive property damage and mold growth, resulting in the need for expensive repair and restoration. One may protect themselves against these devastating events by bundling a water line coverage with the home insurance plan.

  • Do homeowners insurance policies in Redlands cover damage to landscaping?

    Coverage for landscaping damage in Redlands homeowners insurance policies may differ between insurers, but generally, it covers softscape elements, such as shrubs, trees, and lawns, as well as hardscape elements, such as driveways, decks, and patios. However, the insurer will pay for damage to the landscaping only if the cause is a peril that is covered by the policy, such as lightning, fire, vandalism, and theft. Perils that are not usually included are wind, ice, frost, snow, hail, and pests.

  • Will a Redlands resident's homeowners insurance cover hotel accommodation expenses during their holiday?

    A Redlands resident's homeowners insurance will not cover hotel accommodation expenses for holiday trips. Insurers only offer coverage for hotel stays when the home has suffered extensive damage, which makes it unsafe for occupation. Policies may also provide coverage for additional living expenses or loss of use. These are daily costs that may not have been incurred if the resident stayed in their home, including meals, conveyance, laundry, property storage, and pet boarding.

  • 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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