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2024

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Best Homeowners Insurance Agencies in San Jose, CA

Our Recommended Top 11

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 Jose 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.

547Reviewed

332Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

860 S Winchester Blvd Suite C, San Jose, CA 95128
WebsiteLicense: 4029426

Expertise.com Rating

Review Sources

Google
4.9 (71)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Mike Walsh is an insurance agent working at State Farm. He provides services to individuals, families, and businesses in the San Jose metro and the surrounding communities. His line of products include homeowners', auto, health, life, and property insurance policies. He also offers boat, condo, liability umbrella, pet, and renters' insurance plans. Besides being an insurance professional, Walsh stays involved in his community by supporting the Branham Hills Little League and the Pioneer Booster Club.

  • Renter's Insurance
  • Homeowners
  • Multiple Policy Types

696 E Santa Clara Street, Suite 110, San Jose, CA 95112
WebsiteLicense: 0H30454

Expertise.com Rating

Review Sources

Google
4.9 (116)
Yelp
4.5 (26)
Facebook
4.8 (19)

Why choose this provider?

Rolando Suarez caters to clients in San Jose in need of auto, property, business, and homeowners' insurance products. His agency also provides life, health, and pet insurance coverages. In pursuit of helping customers identify insurance coverages suitable for their needs, he and his 4-member team guide clients in creating an asset protection plan and in processing claims. Suarez started his first agency in 2015 after having joined the State Farm family for more than 10 years.

  • Renter's Insurance
  • Condos
  • Homeowners

1225 West San Carlos Street, San Jose, CA 95126
WebsiteLicense: 0G19775

Expertise.com Rating

Review Sources

Google
4.8 (12)
Yelp
4.5 (10)

Why choose this provider?

KIS Insurance Services offers insurance policies such as auto, home, life, and health, to people in San Jose. As an independent firm, it provides a wide range of insurance policy options from different carriers. Its homeowners' insurance policies are designed to provide clients financial safety nets in case of unexpected property losses due to disasters such as fire and flood. They also serve as the first line of defense against lawsuits from people injured at clients' properties.

  • Personal Property Insurance
  • Homeowners

1038 Leigh Ave, Suite 201, San Jose, CA 95126
WebsiteLicense: 0I49883

Expertise.com Rating

Review Sources

Google
5.0 (28)
Yelp
4.5 (19)
Facebook
5.0 (2)

Why choose this provider?

Red Wave Insurance Services caters to individuals and families in the San Jose metro. It deals with a range of personal lines of insurance, including homeowners' plans. The company offers dwelling, replacement cost, liability, personal property, and property damage coverages to protect clients from financial losses caused by natural disasters and theft. Its team also helps clients acquire personal umbrella, renters', condominium, and classic car insurance. Red Wave Insurance Services is a member of the Santa Clara County Association of Realtors.

  • Homeowners

888 N First St Ste D, San Jose, CA 95112
WebsiteLicense: 0F82764

Expertise.com Rating

Why choose this provider?

Inszone Insurance Services has been providing personal and commercial risk management solutions in San Jose since 2002. Its agents offer homeowners insurance with provisions for expenses caused by fire, vandalism, storms, and personal liability. They also furnish policies with theft, flood, and earthquake coverages. Inszone's independent broker status allows it to shop from various carriers, including Progressive, Allstate, Liberty Mutual, and Hartford. The company implements a Charitable Time Off program, enabling employees to take paid time off to render volunteer work for their chosen organization.

  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types

974 Story Rd, San Jose, CA 95122

Expertise.com Rating

Review Sources

Google
4.7 (15)
Yelp
5.0 (8)

Why choose this provider?

Founded in 2011, T.A.O. Insurance & Financial Services is an independent insurance agency serving customers in the San Jose, California, metro area. T.A.O. works with a variety of carriers, including Foremost, John Hancock, Safeco, The Hartford, and Viking. The agency provides packaged homeowners insurance policies, which cover both damage to the physical structure and contents of the home and liability for injuries to others on the property. T.A.O. also offers auto, business, life, and health insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

2774 Aborn Road, San Jose, CA 95121
WebsiteLicense: 0H11256

Expertise.com Rating

Review Sources

Google
4.5 (22)
Yelp
4.5 (20)
Facebook
5.0 (10)

Why choose this provider?

Satwant Singh Insurance Services offers products to families and individuals in the San Jose metro. It aims to protect policyholders' investment properties and valuable items through its customized homeowners' insurance coverages. The independent company also helps clients acquire other personal and business plans, such as renters', life, auto, and workers' compensation insurance. Its specialists work with multiple carriers like The Hartford, MAPFRE, and Allied Insurance. Founded in 2010, Satwant Singh Insurance Services houses staff who can communicate with Punjabi, Hindi, and Telugu-speaking clients.

  • Renter's Insurance
  • Homeowners

574 Blossom Hill Rd, San Jose, CA 95123

Expertise.com Rating

Review Sources

Google
4.8 (40)
Facebook
5.0 (11)
Yelp
4.0 (6)

Why choose this provider?

All Solutions Insurance LLC is an independent agency based in San Jose, California, that works with over a dozen insurance carriers to provide clients with home insurance. Agents helps homeowners draft personalized policies that protect from both loss and liability. All Solutions builds insurance plans for a wide range of buildings, from condos and townhouses to mobile homes. Additional policies cover weather damage, sinkholes, and replacement cost for personal property.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

1095 Bird Avenue, Suite 2, San Jose, CA 95125
WebsiteLicense: 0748161

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
3.0 (4)

Why choose this provider?

Gatewood Insurance Agency Inc. is a full-service insurance company that serves the San Jose metro area. The firm assists individuals and families in securing their financial future with a homeowners' insurance policy. Its independent insurance agents have access to various carriers that can offer different coverage options tailored to the clients' specific needs. These include property coverage, personal property, liability, medical expenses, and additional living expenses. Local insurance agent Boyd Gatewood opened the firm in 1967, safeguarding the future of people and businesses.

  • Multiple Carriers
  • Multiple Policy Types

1900 Camden Ave. Suite 204, San Jose, CA 95124
WebsiteLicense: 0E00902

Expertise.com Rating

Review Sources

Yelp
5.0 (42)
Google
4.8 (18)

Why choose this provider?

Let's Insure offers homeowners' insurance for clients in San Jose that protects their homes and personal belongings from unexpected events. As an independent insurance agency, it offers insurance products from multiple carriers, including Hamilton, Kemper, and MetLife. Its insurance specialists use industry-standard technology in assisting clients to make informed insurance coverage decisions by explaining the coverage options that are available to them. Salar Baktash established the agency with an aim to restore productive communication between insurance companies and their clients.

  • Renter's Insurance
  • Condos
  • Earthquake

17510 Farley Rd W, Los Gatos, CA 95030

Expertise.com Rating

Review Sources

Google
4.9 (51)
Yelp
4.5 (12)

Why choose this provider?

Located in Los Gatos, California, Don Williams & Associates Inc. is an independent insurance agency serving San Jose and the surrounding areas. It provides home and business property insurance policies from a wide range of carriers. The agency discusses the details with its clients and explains the intricacies of personal and business insurance so the client is aware of the costs and coverage. The agency also provides life, umbrella, and motorcycle insurance.

  • Renter's Insurance
  • Condos
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Mike Walsh
860 S Winchester Blvd Suite C, San Jose, CA 95128
Rolando Suarez
696 E Santa Clara Street, Suite 110, San Jose, CA 95112
KIS Insurance Services
1225 West San Carlos Street, San Jose, CA 95126
Red Wave Insurance Services
1038 Leigh Ave, Suite 201, San Jose, CA 95126
Inszone Insurance Services
888 N First St Ste D, San Jose, CA 95112
T.A.O. Insurance & Financial Services
974 Story Rd, San Jose, CA 95122
Satwant Singh Insurance Services
2774 Aborn Road, San Jose, CA 95121
All Solutions Insurance LLC
574 Blossom Hill Rd, San Jose, CA 95123
Gatewood Insurance Agency Inc.
1095 Bird Avenue, Suite 2, San Jose, CA 95125
Let's Insure
1900 Camden Ave. Suite 204, San Jose, CA 95124
Don Williams & Associates, Inc.
17510 Farley Rd W, Los Gatos, CA 95030

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.
  • How much is homeowners’ insurance in San Jose?

    The annual cost of homeowners' insurance in San Jose stands at $997 on average. It is several hundred dollars lower than both the California average of $1,133 and the national average of $1,211. Even though the median home value in San Jose amounts to $968,000, which is four times higher than the national average, the expense of insuring such a property remains reasonable.

  • What types of coverage does a standard homeowners' insurance policy offer to residents of San Jose?

    A standard homeowners' insurance policy typically offers several types of coverage to residents of San Jose, including property coverage to pay for repairs. There is also liability coverage designed to handle claims arising from injuries or property damage. Living expenses coverage benefits homeowners who experience total loss and require temporary housing or food provisions when they are forced out of their homes.

  • Can participating in Neighborhood Watch programs and community-driven initiatives reduce homeowners’ insurance costs in San Jose?

    Yes. Residents of San Jose who participate in Neighborhood Watch initiatives or make use of various safety precautions might qualify for reductions in their home insurance costs. This is due to the fact that when a homeowner's property is considered more secure, the associated risk decreases. This can lead to a reduction in property insurance expenses.

  • What strategies San Jose residents can use to lower their homeowners’ insurance premiums?

    San Jose residents can reduce their homeowners' insurance premiums by installing smart home security systems such as smoke detectors and water usage monitoring systems. Purchasing a more modern home close to first-responder stations can also lead to a decrease in premiums. Homeowners might also consider exploring the discounts provided by their insurers or choosing to increase their deductible.

  • 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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