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2024

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Best Homeowners Insurance Agencies in San Diego, CA

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored San Diego 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.

742Reviewed

452Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8733 N Magnolia Ave, Santee, CA 92071

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Yelp
5.0 (16)
Google
4.6 (14)

Why choose this provider?

True Pro Insurance Center Inc., which has operated as an independent insurance agency since 2013, is based in Santee, California. The firm represents top carriers including Mercury, The Hartford, and Nationwide. Owner Autumn Hart's motto is "Your Needs, Our Profession." The firm offers homeowners insurance tailored to the needs of Californians with specialized coverage for earthquake, flood, and forest fires. Loss or damage to personal belongings, personal liability, and additional living expenses should a home become uninhabitable are also available.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

401 H Street, Chula Vista, CA 91910

Expertise.com Rating

Review Sources

Google
4.9 (509)
Facebook
4.8 (8)
Yelp
3.5 (8)

Why choose this provider?

American Tri-Star Insurance Services Inc. is experienced with homeowners insurance policies and sells them to clients to protect their properties. It can help with policies that provide property coverage for dwellings themselves, personal property coverage for items belonging to the homeowners, and liability coverage in case anyone is harmed on a client's property. Policies can also include provisions for medical and living expenses if homeowners are displaced or anyone is harmed on premises.

  • Condos
  • Personal Property Insurance

3160 Camino Del Rio South Suite 118, San Diego, CA 92108

Expertise.com Rating

Review Sources

Google
5.0 (74)
Facebook
5.0 (29)
Yelp
5.0 (25)

Why choose this provider?

Pacific Premier Insurance is an independent agency serving individuals, families, and businesses in San Diego. It helps them protect their properties and personal belongings by offering homeowners' insurance policies. It also provides auto, cyber liability, renters', umbrella, and workers' compensation insurance plans. In addition, it carries different types of life insurance products, including term, whole, and universal. The firm is partnered with companies like Kemper, Nationwide, and The Hartford. Pacific Premier Insurance's management team brings over 12 years of industry experience.

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

8100 La Mesa Blvd Ste 105, La Mesa, CA 91942
WebsiteLicense: 0H65134

Expertise.com Rating

Review Sources

Yelp
5.0 (13)
Google
4.6 (9)
Facebook
5.0 (8)

Why choose this provider?

OP Insurance is a full-service agency serving clients in San Diego and the surrounding metros. Its team offers insurance products for both personal and commercial applications, including homeowners insurance policies. The company also arranges umbrella, earthquake, and flood policies for additional protection. As an independent brokerage, OP Insurance shops from different carriers to find programs that suit the needs of their clients. CEO George Ohnesorgen and COO Sean Roberts have over 30 years of combined experience in the insurance industry.

  • Multiple Policy Types
  • Homeowners

2611 Denver Street, San Diego, CA 92110

Expertise.com Rating

Why choose this provider?

The Insurance Place helps families shop for homeowners insurance and sells them policies that provide coverage for any risks associated with their properties and belongings. Its agents inform clients on policy options and contingencies and assess their circumstances to create policies that best cover their liabilities. The Insurance Place also offers flood insurance and earthquake insurance coverage along with umbrella policies, and renters insurance is available as well. Clients can purchase car insurance policies here too.

  • Personal Property Insurance

944 C Street, San Diego, CA 92101
WebsiteLicense: 0D51793

Expertise.com Rating

Review Sources

Google
4.8 (50)
Facebook
5.0 (5)
Yelp
3.0 (2)

Why choose this provider?

Hultz Insurance & Financial Services Inc. has been providing services to the communities in San Diego for over 20 years. It offers homeowners' insurance to help property owners secure their finances in cases of untoward incidents. The agency also provides commercial, auto, and life insurance from different insurance carriers. Its agents help clients understand insurance processes and assist in creating custom policies to tailor-fit the coverage for them. The agency runs a 24/7 operation for inquiries.

  • Multiple Carriers
  • Multiple Policy Types

3525 Del Mar Heights Rd Ste 754, San Diego, CA 92130

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Kazerouni Insurance Services is an independent insurance agency that serves the greater San Diego, California, area. President Nick Kazerouni has been providing homeowners insurance from multiple highly-rated providers for over 13 years. Homeowners insurance policies are customizable and include dwelling coverage, personal property protection, personal liability, medical payments, and coverage for other structures on the property. Kazerouni Insurance Services also offers renters, condo, earthquake, umbrella, boat, auto, and motorcycle insurance.

  • Renter's Insurance
  • Condos
  • Earthquake

16456 Bernardo Center Drive #102, San Diego, CA 92128
WebsiteLicense: 0E32714

Expertise.com Rating

Review Sources

Yelp
4.5 (27)
Google
5.0 (5)

Why choose this provider?

Kevin Paulson Insurance Agency, Inc. offers homeowners' insurance policies in San Diego. This family-owned and family-operated agency represents a wide network of insurance carriers, including Arrowhead, AIG, and Kemper Preferred, to help clients determine which policies provide the suitable coverage and value for their financial capabilities. Founder Kevin Paulson has been in the industry for more than 30 years. He and his team also carry other insurance policies, such as life, auto, and umbrella insurance.

  • Personal Property Insurance
  • Renter's Insurance

3034 Imperial Avenue, San Diego, CA 92102
WebsiteLicense: 0719355

Expertise.com Rating

Review Sources

Yelp
4.0 (4)
Google
5.0 (3)
Facebook
5.0 (3)

Why choose this provider?

Curtis Moring Insurance Agency, Inc., serves clients throughout the San Diego area. It offers a comprehensive suite of insurance solutions for individuals and businesses. It provides insurance plans for homeowners, apartment building owners, renters, and manufactured and mobile homeowners. Its agents offer coverage for property repairs, personal property, liability, and medical and living expenses. As an independent insurance agency, it represents multiple carriers to provide clients with a wider selection of plans. Curtis Moring, principal of the agency, holds over 42 years of industry experience.

  • Renter's Insurance
  • Condos
  • Earthquake

617 East Teal Circle, San Diego, CA 93730
WebsiteLicense: 6001711

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (10)
Yelp
4.0 (5)

Why choose this provider?

Gennock Insurance is a full-service insurance agency that serves residents of San Diego and nearby communities. It provides homeowners' insurance options from over 50 different insurance carriers, including Metlife and Progressive. The agency educates first-time policyholders about different types of homeowners' coverage, such as premises liability, structural damage, and loss of personal possessions. It can also process claims and provide ID cards for insurance authentication. Gennock Insurance's other options include automobile, business, workers compensation, and umbrella insurance plans.

  • Renter's Insurance
  • Homeowners

1761 Hotel Circle S Suite 305, San Diego, CA 92108
WebsiteLicense: 0H99551

Expertise.com Rating

Review Sources

Google
5.0 (96)
Yelp
5.0 (3)
Facebook
5.0 (1)

Why choose this provider?

Readylane Insurance Services offers homeowners' insurance for clients in San Diego and nearby areas. It helps customers protect their homes and personal belongings from unforeseen events. With more than 30 years of combined insurance experience, the team can provide comprehensive information on various types of insurance plans. It uses a customer-value-oriented approach to serving the agency's 5,000 clients. Founders Jose Sanchez, Francisco Duran, and Edward Ramirez value hard work, commitment to the business, and innovation.

  • Homeowners

360 N El Camino Real Ste 1A, Encinitas, CA 92024

Expertise.com Rating

Review Sources

Yelp
5.0 (13)
Google
5.0 (7)
Facebook
5.0 (5)

Why choose this provider?

Since 2010, Advanced Brokers Insurance Services has been providing home insurance policies to residents of San Diego, California. Working with insurance carriers such as Mercury Insurance, Travelers, and Nationwide, the company's home insurance solutions cover everything from structural damage to loss of contents inside the home due to fire, natural disaster, theft, or other accidents. In addition to home insurance, Advanced Brokers Insurance Services offers auto, life, disability, and business insurance products.

  • Personal Property Insurance
  • Homeowners

4411 Mercury St Ste 105B, San Diego, CA 92111

Expertise.com Rating

Review Sources

Yelp
5.0 (102)
Google
4.6 (91)

Why choose this provider?

San Diego Insurance is an insurance brokerage that sells home insurance and serves the San Diego metropolitan area. Founded in 1991, the company provides insurance for homeowners by establishing the age, location, and value of the property as well as its size. San Diego Insurance is licensed to sell property and casualty, accident, fire, life, and health insurance in California and is committed to providing great service with low prices.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

3033 5th Avenue Suite 325, San Diego, CA 92103
WebsiteLicense: 0B91431

Expertise.com Rating

Why choose this provider?

JPL Insurance Services is an independent insurance agency that has been serving clients in San Diego since 1993. The agency applies a straightforward approach to choosing insurance carriers while providing helpful advice to clients. It offers homeowners', life, and auto insurance plans, and customized policies for childcare businesses, workers, and apartment buildings. JPL Insurance Services partners with leading insurance carriers like Safeco Insurance and Markel Insurance Company. Lead account manager Shawn D. Bonsack has over 20 years of experience in client relations and sales management.

  • Homeowners

7960 Silverton Ave STE 202, San Diego, CA 92126
WebsiteLicense: 0L75450

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Jump Insurance offers a variety of insurance policies for residential and commercial clients in San Diego. The firm provides personalized insurance solutions to homeowners' needs, including structural repairs for damages caused by fire or hurricane disasters. It protects clients against lawsuits and claims for accidents that happened on the property. It also offers policies for automobile and business insurance needs. Aaron Farmer and Jeremy Wilkins were the owners of Farmers Insurance agency before establishing Jump Insurance.

  • Homeowners

2365 Northside Drive Suite 200, San Diego, CA 92108
WebsiteLicense: 0E32754

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

HomeServices Insurance Agency serves the financial security needs of clients throughout the San Diego metro. It offers homeowners' insurance that covers the damages to clients' properties and their legal responsibilities for any injuries their families or pets may cause to third parties. The independent agency offers a full line of services through carrier companies like AIG, Foremost, and Hagerty. Its insurance consultants work with clients to determine their risk exposures, make them understand their options, and design packages that are adapted to their specific needs.

  • Homeowners

San Diego, CA

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (3)

Why choose this provider?

Your Good Insurance caters to families and individuals in San Diego and nearby locations. It helps clients obtain various personal protection plans, including homeowners' insurance. The independent agency crafts customized coverages to protect policyholders from financial losses caused by perils such as natural disasters, vandalism, and theft. It also furnishes auto, condominium, earthquake, and flood insurance. Its agents work with more than 15 carriers. Your Good Insurance has been in the industry for nearly 15 years.

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

PO Box 180699, Coronado, CA 92178
WebsiteLicense: 0L48182

Expertise.com Rating

Why choose this provider?

Backed with three decades of experience, Wilson & Company Insurance Services, Inc., assists San Diego residents in several areas, including homeowners' insurance. Its independent agents provide different types of coverage for homeowners, whether they are looking to protect their personal belongings or their properties. They also offer policy options for renters, landlords, and residents of condominiums and mobile homes. Wilson & Company Insurance Services gives back to the community by supporting local organizations, such as the Coronado Schools Foundation and the San Diego Zoo Global.

  • Multiple Policy Types
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
True Pro Insurance Center, Inc.
8733 N Magnolia Ave, Santee, CA 92071
American Tri-Star Insurance Services Inc.
401 H Street, Chula Vista, CA 91910
Pacific Premier Insurance
3160 Camino Del Rio South Suite 118, San Diego, CA 92108
OP Insurance Agency, Inc.
8100 La Mesa Blvd Ste 105, La Mesa, CA 91942
The Insurance Place
2611 Denver Street, San Diego, CA 92110
Hultz Insurance & Financial Services Inc.
944 C Street, San Diego, CA 92101
Kazerouni Insurance Services
3525 Del Mar Heights Rd Ste 754, San Diego, CA 92130
Kevin Paulson Insurance Agency, Inc.
16456 Bernardo Center Drive #102, San Diego, CA 92128
Curtis Moring Insurance Agency, Inc.
3034 Imperial Avenue, San Diego, CA 92102
Gennock Insurance
617 East Teal Circle, San Diego, CA 93730
Readylane Insurance Services
1761 Hotel Circle S Suite 305, San Diego, CA 92108
Advanced Brokers Insurance Services
360 N El Camino Real Ste 1A, Encinitas, CA 92024
San Diego Insurance
4411 Mercury St Ste 105B, San Diego, CA 92111
JPL Insurance Services
3033 5th Avenue Suite 325, San Diego, CA 92103
Jump Insurance
7960 Silverton Ave STE 202, San Diego, CA 92126
Homeservices Insurance Agency
2365 Northside Drive Suite 200, San Diego, CA 92108
Your Good Insurance
San Diego, CA
Wilson & Company Insurance Services, Inc.
PO Box 180699, Coronado, CA 92178

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.
  • In a homeowners insurance policy in San Diego, what is the difference between a multi-peril and multi-line policy?

    In San Diego, a multi-peril policy might suggest that it covers multiple risks, but in reality, it is a single policy that merges fire, casualty, and marine coverages. This kind of policy is typically found in agreements such as homeowner's insurance. A multi-line policy, on the other hand, is a bundle that includes typical liability and property insurance line coverages.

  • What are the benefits of adding home cyber protection to your homeowners' insurance policy in San Diego?

    Home cyber protection provides coverage for home system and computer attacks, online fraud, and cyber extortion that can happen to your property in San Diego. Adding this to your homeowners' insurance policy can cover the payments that you need to pay to recover data from your leased computers and other connected home devices. The costs of professional assistance in responding to cyber-extortion requests will also be covered by this insurance.

  • What type of insurance covers old homes in San Diego?

    Older home insurance, also known as HO-8, offers protection for older homes in San Diego, typically those that don't fulfill the underwriting standards of the majority of insurance companies. Due to the difficulty of replacing older properties, this policy only provides coverage at market value. This house insurance policy also includes specified perils coverage, which protects against losses and damages caused by common hazards.

  • In relation to your property in San Diego, what is the coverage available for earthquake insurance?

    If an earthquake happened in San Diego, having an earthquake policy can provide coverage for the damage that your home suffered due to the calamity. This policy can also pay for your living expenses in the event that your home is no longer livable due to the earthquake. Your personal possessions will also be repaired or replaced with the help of this policy.

  • Why do you need to call your insurer if you're planning to add a pool or a trampoline to your home in San Diego?

    It is important to consult your home insurance provider before making any decisions about adding a pool or a trampoline to your San Diego property because not all insurers in California will cover a house with these additions. In addition, the insurer might decline any claims relating to these enhancements if you don't contact your agent about them.

  • 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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