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2025

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Best Homeowners Insurance Agencies in San Ramon, CA

Our Recommended Top 7

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 Ramon 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.

50Reviewed

32Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3130 Crow Canyon Place, San Ramon, CA 94583

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Facebook
4.4 (7)
Google
5.0 (3)

Why choose this provider?

Onstad's Insurance Agency is a local insurance broker in San Ramon that has been serving the residents of the city and other San Francisco Bay communities since 1926. Among its main offerings is homeowners' insurance, which includes real property, liability, and personal property coverage. It offers a separate policy for renters' insurance. Onstad's Insurance Agency is an independent insurance agency that is licensed to operate in California, Arizona, Nevada, Oregon, and Washington.

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

2303 Camino Ramon #210, San Ramon, CA 94583

Expertise.com Rating

Review Sources

Yelp
4.5 (11)
Google
5.0 (8)

Why choose this provider?

San Ramon Insurance Agency has been catering to the insurance needs of residents and businesses in San Ramon since 1979. The company guides individuals and families choose the right homeowners insurance policy among several carriers. Its licensed agents provide several types of coverage options, including extended dwelling replacement, reimbursement for personal property loss, personal injury, identity fraud, and business pursuit. Other offerings include auto, life, earthquake, general liability, and workers' compensation. The company also serves clients in the Bay Area.

  • Multiple Policy Types

2258 Camino Ramon, San Ramon, CA 94583

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Brighton Financial And Insurance Services is an insurance provider in San Ramon. It offers homeowners' insurance packages that cover personal liability for damages or injuries caused to others by the homeowner, its family member, or pets. Repairs of structures due to natural calamities, lightning, fire, theft, and vandalism are covered. External structures like garages, gazebos, and sheds are also covered. The insurance provider ensures accessibility for persons with disabilities through different contact channels.

  • Multiple Policy Types

5976 West Las Positas Boulevard, Pleasanton, CA 94588

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Yelp
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Inszone Insurance Services is licensed to serve individuals and businesses throughout California, operating from its offices near San Ramon. The broker has more than 15 years of experience in tailoring home insurance policies for its clients. It can access the products of multiple insurers, enabling it to find one or more that provides the coverage its clients need without having to pay for coverage they don't. The company can also discuss additional coverage to deal with burglary and accidental damage.

  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types

2010 Crow Canyon, San Ramon, CA 94583

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Michael Smith Insurance Agency is a San Ramon-based independent brokerage founded in 2013. The agency conducts individual assessments to provide clients with customized homeowners insurance solutions. Its insurance broker, Mike Smith, has a professional background that spans 25 years. He and his team have access to different insurance products by partnering with AmTrust Financial Services, Travelers, MetLife, and Safeco Insurance. They also specialize in auto, business, medical, and workers' compensation insurance. Michael Smith Insurance Agency is licensed to operate throughout the U.S., including California, Alabama, Arkansas, Colorado, Illinois, Michigan, Ohio, Oregon, Texas, and Virginia.

  • Multiple Carriers
  • Multiple Policy Types

7567 Amador Valley Boulevard, Dublin, CA 94568

Expertise.com Rating

Review Sources

Google
4.8 (6)

Why choose this provider?

Located near San Ramon, JSW Insurance is an independent broker that serves individuals, families, and businesses throughout California, Nevada, Arizona, and Washington. It analyses the needs of each client looking for home insurance, selects solutions offered by one or more of the country's leading insurers, and provides clients with choices that meet their needs within their budgets. It also helps clients when they have to file a claim and specializes in other forms of insurance, such as auto and earthquake.

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

2430 Camino Ramon Suite 368, San Ramon, CA 94583

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Berger & Jones Insurance Agency has been providing insurance products and services since 1924. This independent insurance agency services San Ramon and nearby communities. The professionals from this business provide a standard homeowners' insurance policy that covers the dwelling, personal property, additional living expenses, and other structures around the property. Additional home insurance coverages include debris removal, identity theft, and flood damage. The company also offers other types of insurance policies, such as motorcycle and auto, workers' compensation, and umbrella insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Onstad's Insurance Agency
3130 Crow Canyon Place, San Ramon, CA 94583
San Ramon Insurance Agency
2303 Camino Ramon #210, San Ramon, CA 94583
Brighton Financial And Insurance Services
2258 Camino Ramon, San Ramon, CA 94583
Inszone Insurance Services
5976 West Las Positas Boulevard, Pleasanton, CA 94588
Michael Smith Insurance Agency
2010 Crow Canyon, San Ramon, CA 94583
JSW Insurance
7567 Amador Valley Boulevard, Dublin, CA 94568
Berger & Jones Insurance Agency
2430 Camino Ramon Suite 368, San Ramon, CA 94583

San Ramon, CA Homeowners Insurance Agency FAQs

  • In San Ramon, is there a law that protects homeowners' insurance policyholders against unfair claim settlements?

    The Unfair Practices Act, specifically Section 790.03(h), which outlines prohibited unfair claims processes, protects homeowners' insurance policyholders in San Ramon. When filing a claim, insurers should provide Section 790.03 details and mention the Fair Claims Settlement Practices Regulations overseeing claim handling. The regulations, which set timelines for claims processes, limit requestable information, and necessitate written denials with clear reasons, are available on their website. If a claim is denied, the insured can request a review by the Department of Insurance.

  • How and for how long may additional living expenses coverage from a homeowners' insurance policy help if a resident's property in San Ramon sustains significant damage?

    The additional living expenses coverage ensures that those affected by severe property damage in San Ramon are able to maintain their standard of living during displacement. The aid lasts until the home's completion or until it reaches the policy limit. Should they opt for a new residence over repairs, the aid extends until they are settled. If unforeseen delays exhaust ALE before home completion, seeking a policy extension and contacting the California Department of Insurance is recommended.

  • In San Ramon, can homeowners' insurance cover your living expenses if you stay in a trailer while your home is being rebuilt?

    For San Ramon residents whose homes are under reconstruction, their homeowners' insurance might allow them to live in a trailer. Negotiate a cash-out with your insurer to use your Additional Living Expenses policy. This method allows you to buy a trailer with your ALE policy limits rather than renting one, giving you more freedom and eliminating the need to submit receipts regularly to the insurer.

  • Will a traditional homeowners' insurance policy in San Ramon cover your unoccupied properties?

    San Ramon residents owning properties they don't personally inhabit should secure them with specialty dwelling insurance. Standard homeowners' policies won't suffice for non-owner-occupied homes like rentals, unoccupied residences, seasonal getaways, historically older structures, or homes currently under construction. Instead, the right safeguard for these situations is a specialty dwelling policy tailored for such unique scenarios.

  • Can policyholders in San Ramon lose their homeowners' insurance due to poor property conditions observed from above using drones or satellites?

    Policyholders in San Ramon may be at risk of losing their homeowners' insurance if their carrier observes through aerial surveillance, using drones and satellites, that the property has been left with debris and hazards or hasn't been maintained. Insurance firms are increasingly harnessing such high-tech monitoring to pinpoint potential liabilities. Drained pools, even if for water conservation, and yard messes are perceived as potential threats or hazards, leading to policy cancellations.

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