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2024

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Best Homeowners Insurance Agencies in San Bernardino, CA

Our Recommended Top 9

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 San Bernardino 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.

131Reviewed

82Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1389 N D St, San Bernardino, CA 92405

Expertise.com Rating

Review Sources

Google
4.6 (11)
Facebook
5.0 (1)

Why choose this provider?

Benco Insurance Services, which has been in service since 1981, is a team of insurance providers located in San Bernardino. The company assists clients with various insurance types, including homeowners' insurance. Its agents examine clients' insurance options and guide them in finding the coverage that is suitable for their needs. They also offer special insurance options that include flood and earthquake coverage. Aside from home insurance, Benco Insurance Services also deals with life and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1254 South Waterman Avenue, San Bernardino, CA 92408

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Wonderful Insurance Agency is an insurance broker based in the San Bernardino metro. The company has teamed up with various insurance providers such as Mercury, Infinity, Travellers, Progressive, and Safeco. It specializes in comprehensive coverage for homes, automobiles, motorcycles, RVs, and businesses. It can provide immediate coverage for high-risk drivers seeking insurance protection (SR-22). Wonderful Insurance Agency is open from Monday to Friday and appointments can be booked through their online portal, hotlines, or walk-ins.

  • Personal Property Insurance

1794 N Waterman Ave, San Bernardino, CA 92404

Expertise.com Rating

Review Sources

Google
4.3 (11)
Facebook
5.0 (4)

Why choose this provider?

Gil Lemus Insurance Services, LLC, is an insurance company that caters to the needs of homeowners in San Bernardino and nearby areas. The company assists individuals and families to financially safeguard their homes, personal belongings, and loved ones against damage, losses, and personal liabilities during disasters, accidents, and other unfortunate events. Its other insurance offerings include automobile, property, business, as well as life and health. The firm operates 24/7 for urgent quotations and inquiries. Its agents are bilingual in English and Spanish.

  • Multiple Policy Types

2609 Del Rosa Avenue North, San Bernardino, CA 92404

Expertise.com Rating

Review Sources

Google
4.9 (563)
Facebook
5.0 (38)
Yelp
3.5 (6)

Why choose this provider?

Hammer Insurance is a team of 41 agents that serves San Bernardino residents. The company assists clients in obtaining several insurance coverage options, including home insurance. Its professionals work with more than 15 insurance providers to meet their clients' individual needs and situations. The agents offer same-day coverage and instant coverage through phone consultations. Aside from home insurance, Hammer Insurance specializes in providing auto and business insurance. The company has been in service for more than 15 years.

  • Multiple Policy Types

297 East Highland Avenue, San Bernardino, CA 92404

Expertise.com Rating

Review Sources

Google
4.3 (100)
Facebook
4.6 (72)
Yelp
3.0 (8)

Why choose this provider?

Fiesta Auto Insurance is a team of insurance professionals that serves the San Bernardino area. Included in its line of insurance products is home insurance. The agents guide clients in choosing the home insurance policy that will suit their needs. They offer various insurance coverage options from 40 major carriers. Aside from home insurance, the business also assists clients with auto insurance, boat insurance, and motorcycle insurance. Fiesta Auto Insurance has been in service since 1999. It caters to Spanish-speaking clients.

  • Renter's Insurance

1264 S Waterman Ave 13, San Bernardino, CA 92408

Expertise.com Rating

Review Sources

Google
4.9 (15)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Sublime Insurance Services Inc. is a full-service insurance agency based in San Bernardino that assists clients with various insurance products and services, including homeowners' insurance. The insurance specialists create homeowners' insurance policies in accordance with clients' individual needs. The company also offers renters' insurance. Sublime Insurance Services Inc. was established in 2016, and its agents have been serving in the insurance industry since 2004. The staff are fluent in Spanish.

  • Renter's Insurance
  • Multiple Policy Types

1995 Diners Court, San Bernardino, CA 92408

Expertise.com Rating

Review Sources

Google
4.9 (395)
Yelp
4.0 (21)

Why choose this provider?

Freeway Insurance provides insurance services for homeowners in San Bernardino. Its insurance agents help clients protect their investment in their homes and possessions by financially protecting them from fire and theft. They also offer home and property insurance to renters and landlords. Some of their other products include business insurance, car registration renewals, identity theft protection, roadside assistance, tax preparation services, and telemedicine, as well as vehicle and recreational insurance for cars, motorcycles, ATVs, and motorhomes.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

420 E Hospitality Ln Ste A-4, San Bernardino, CA 92408

Expertise.com Rating

Review Sources

Google
4.8 (132)
Facebook
3.4 (5)

Why choose this provider?

Acceptance Insurance is a firm that helps clients in the San Bernardino area ensure coverage for their homes and belongings in the event of a disaster. Based in Nashville, the firm helps clients obtain damage or liability coverage to prevent high costs for home repairs and replacements. Acceptance Insurance also works to secure temporary living provisions for homeowners in situations where residential properties become unsuitable for habitation. The firm has more than 700 agents representing over 350 locations across the U.S.

  • Renter's Insurance
  • Multiple Policy Types

25745 Baseline Rd., San Bernardino, CA 92410

Expertise.com Rating

Review Sources

Google
4.8 (94)
Facebook
5.0 (46)
Yelp
5.0 (3)

Why choose this provider?

Aims Insurance Services, Inc. has been providing financial solutions to San Bernardino residents for more than 10 years. The independent agents at this firm coordinate with reputable insurance carriers such as Allstate and Progressive. They can build insurance policies for those without coverage or assess existing homeowners' insurance plans to help clients determine how they can maximize their savings. The firm has locations in Long Beach, Fresno, and San Jose and also offers renters insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Benco Insurance Services
1389 N D St, San Bernardino, CA 92405
Wonderful Insurance Agency
1254 South Waterman Avenue, San Bernardino, CA 92408
Gil Lemus Insurance Services, LLC
1794 N Waterman Ave, San Bernardino, CA 92404
Hammer Insurance
2609 Del Rosa Avenue North, San Bernardino, CA 92404
Fiesta Auto Insurance
297 East Highland Avenue, San Bernardino, CA 92404
Sublime Insurance Services Inc.
1264 S Waterman Ave 13, San Bernardino, CA 92408
Freeway Insurance
1995 Diners Court, San Bernardino, CA 92408
Acceptance Insurance
420 E Hospitality Ln Ste A-4, San Bernardino, CA 92408
Aims Insurance Services, Inc.
25745 Baseline Rd., San Bernardino, CA 92410

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 is the cost of challenging a claim denial of homeowners' insurance insurance in San Bernardino?

    It does not cost anything to dispute on your own a home insurance claim in San Bernardino. But if you want your claim to be handled properly, you will probably need to employ a private adjuster or insurance lawyer. Before employing anyone, you should inquire about the exact expenses because these professionals frequently collect fees calculated as a percentage of your total settlement.

  • Will the heating system you use at home in San Bernardino affect your homeowners' insurance?

    Yes. Your homeowners' insurance rates will often be affected by the type of heating equipment you use. This is because insurers consider the degree of fire risk your equipment may have and the higher the risk it has, the higher insurance premiums you may expect to pay. For example, because electric or gas-powered central heating systems have a lesser chance of starting a fire, using one may not have a significant impact on your insurance premiums.

  • What amount of personal property coverage should you acquire in San Bernardino?

    The value of your house and personal items will determine how much personal property coverage you must acquire in San Bernardino. If there is a disaster, your personal property coverage should be sufficient to replace all your belongings. The coverage amount paid to you is a percentage of the value set for your house. Making a list of your most valuable possessions and listing them is one approach to determine how much coverage you need.

  • Can you negotiate homeowners' insurance quotes in San Bernardino?

    No, you cannot negotiate a homeowner's insurance quote in San Bernardino. However, there are various ways to reduce your premium, such as installing home security systems, maintaining a favorable credit score, and paying your premiums in full. It is essential to check prices and shop around because quotes vary from one provider to another.

  • 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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