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Best Homeowners Insurance Agencies in Salinas, CA

Our Recommended Top 3

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 Salinas 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

1860 North Main Street, Salinas, CA 93906 Rating

Review Sources

5.0 (3)
5.0 (2)

Why choose this provider?

Cowell & Smith Insurance Agency provides coverage plans for homeowners in Salinas. The company discusses with each client what to cover, from the structure itself to the shed and garage. It offers financial protection for damages caused by fire, storms, and vandalism. The agency also inspects each property's area and risk level to inform clients of their insurance options. It also provides coverage for automobiles and home renters. Cowell & Smith has been operating for over 70 years.

  • Fire

1019 Post Drive, Salinas, CA 93907 Rating

Review Sources

4.4 (341)
3.0 (16)

Why choose this provider?

AAA Salinas Branch offers a wide range of insurance plans to its customers aside from roadside service. Its homeowners' insurance offers several discounts for its policies as well as a package bundle covering auto insurance. AAA has created the Business Resource Groups, which is composed of team members promoting the well-being of the company and developing a relationship with the community. It prides itself on being a diverse workplace with advocacy on women empowerment, people with disabilities, and the LGBTQ community. It also offers renters' and condo insurance.

  • Personal Property Insurance
  • Multiple Policy Types

7 N Hebbron Ave, Salinas, CA 93905 Rating

Review Sources

4.5 (82)
5.0 (5)
3.0 (2)

Why choose this provider?

Amezcua Insurance is an independent homeowners' insurance agency in Salinas that has been serving clients in the area for more than 20 years. It offers standard home insurance, which covers the main structure, personal property, liability, loss of use, and medical expenses. The agency also provides several home insurance options, including credit card forgery and depositors forgery coverage endorsement, guaranteed replacement cost, inflation guard endorsement, and theft coverage protection endorsement. Amezcua Insurance also offers auto, business, and life insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Cowell & Smith Insurance Agency
1860 North Main Street, Salinas, CA 93906
AAA Salinas Branch
1019 Post Drive, Salinas, CA 93907
Amezcua Insurance
7 N Hebbron Ave, Salinas, CA 93905


  • 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 benefits of carrying homeowners' insurance in Salinas?

    While the State of California does not require its residents to carry homeowners' insurance, it is always a good idea to purchase a policy to protect yourself from financial loss in the event that you lose your home and possessions in a catastrophic event. Backed by the right type of coverage, you may be able to replace your lost possessions and rebuild or repair your home.

  • Can your insurer cancel your homeowners' insurance policy in Salinas?

    Once your residential policy has been in effect for 60 days in Salinas, the only circumstances under which your insurance provider can cancel your policy are those specified by California law. These include your nonpayment of the premium, material misrepresentation, fraud, or physical changes in the insured property that increase any hazard it is insured against.

  • Can you get a refund if you cancel your homeowners' insurance policy in Salinas?

    Possibly. But generally speaking, if you initiate the cancellation of your homeowners' insurance policy in Salinas, the premium will be calculated on a short-rate basis, where the insurer retains part of the unearned premium to shoulder administrative expenses. Meanwhile, there are some insurance companies that calculate the premium on a pro-rata basis. That said, it would be best for you to review your policy contract to understand the cancellation provisions that come with your insurance plan.

  • What are your options if the premium of your homeowners' insurance in Salinas significantly increases?

    If the premium of your homeowners' insurance in Corona doubles or triples, you may shop for an alternative policy with a lower premium. You may also opt to make adjustments to your existing policy to deal with the premium increase. These adjustments may include raising your deductible, bundling your home insurance with an auto or umbrella policy to get a break on your premiums, or reducing coverage for contents or other structures.

  • Are wear and tear covered by homeowners' insurance policies in Salinas?

    Most standard homeowners' insurance policies in Salinas do not provide coverage for routine wear and tear. To avoid running into such problems, regular maintenance and repairs inside and outside of your home are key. An example would be keeping your roof in good condition by replacing worn-out shingles and appliance water hoses to prevent water damage.

  • 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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