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Best Homeowners Insurance Agencies in Santa Barbara, CA

Our Recommended Top 5

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 Santa Barbara 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

300 East Canon Perdido Street, Santa Barbara, CA 93101 Rating

Review Sources

4.9 (8)
5.0 (1)

Why choose this provider?

CoreGen Insurance Agency, LLC is an insurance agency in Santa Barbara that has been providing insurance solutions to individuals, families, and businesses for over 20 years. Representing a variety of carriers, its professionals have the knowledge and experience to guide the clients throughout the process of selecting and purchasing a homeowners insurance policy. The policy is designed to cover the expenses related to certain hazards and events such as theft, hurricane, and fire. CoreGen also offers renters and auto insurance.

  • Renter's Insurance
  • Fire

1033 Santa Barbara Street, Santa Barbara, CA 93101 Rating

Review Sources

5.0 (21)
5.0 (1)

Why choose this provider?

Baxter Insurance offers homeowners' insurance for clients in Santa Barbara, California. The family-owned and -operated agency talks with its clients about possible expenses like repairs for damage to the roof or walls. It also provides replacement or reimbursement for loss of clothes, furniture, or use of the house. The company has helped clients with mobile homes, condos, secondary residences, and rental properties. It has been active since 1989 and has been praised for comprehensive reports and friendly attitudes.

  • Earthquake
  • Flood
  • Renter's Insurance

724 N Milpas St, Santa Barbara, CA 93103 Rating

Review Sources

4.0 (4)
5.0 (4)

Why choose this provider?

Victoria's Insurance caters to the risk management needs of individuals, families, and businesses in the Santa Barbara metro and nearby areas. Its team of insurance agents helps clients get financial protection for themselves, their families, and their properties by customizing various types of policies, including homeowners' insurance. They also assist clients in securing coverage for their businesses, cars, and motorcycles. Insurance solutions for commercial vehicle owners and customers driving to Mexico are also available from the agency.

  • Multiple Policy Types

5915 Calle Real, Goleta, CA 93117 Rating

Review Sources

4.5 (5)
5.0 (3)

Why choose this provider?

Kory Robertson is a State Farm insurance agent who has been helping personal and business clients in Santa Barbara County get the coverage they need since 2012. The licensed agent often serves homeowners looking for affordable policies that will protect them against the costs of repairing their property's structure, replacing destroyed personal items, and covering liability claims. Mr. Robertson also has significant experience in life, health, auto, and business insurance.

  • Renter's Insurance
  • Multiple Policy Types

2064 Alameda Padre Serra, Santa Barbara, CA 93103 Rating

Review Sources

5.0 (5)

Why choose this provider?

The Weiser Agency is a locally-owned insurance agency in Santa Barbara that offers insurance packages to individuals and businesses. The company has been around since 2015 and its management has over 37 years of cumulative experience in the insurance industry. It offers insurance packages that cover dwellings and other home structures from damage, accidents, and losses. It also offers additional coverage for items in the home such as jewelry. The Weiser Agency was a finalist for the Santa Barbara Business Council Best Small Business category in 2019.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
CoreGen Insurance Agency, LLC
300 East Canon Perdido Street, Santa Barbara, CA 93101
Baxter Insurance
1033 Santa Barbara Street, Santa Barbara, CA 93101
Victoria's Insurance
724 N Milpas St, Santa Barbara, CA 93103
5915 Calle Real, Goleta, CA 93117
The Weiser Agency
2064 Alameda Padre Serra, Santa Barbara, CA 93103


  • 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.
  • Who can apply for the FAIR Plan property insurance in Santa Barbara?

    The Fair Plan property insurance is available to owners of single-family homes and multi-family complexes, tenants of seasonal rentals for less than or at least one year, and individuals residing in Santa Barbara apartments and condominiums. Commercial clients, such as owners of manufacturing companies, habitual buildings, retail shops, farms and wineries, are also eligible for the California Fair Plan. This plan, however, does not cover properties used for illegal activities, long-term vacant homes, or establishments with existing damage in Santa Barbara.

  • How to set a limit to homeowners' insurance policies in Santa Barbara?

    Policyholders in Santa Barbara must select a lower or higher limitation for their purchased homeowners' insurance policies with the assistance of their insurance company. For example, it is recommended to limit dwelling coverage to the cost of replacing a property, including the costs of materials and labor to rebuild the structure. Personal property limits, on the other hand, must be at least 50% of the dwelling coverage amount of Santa Barbara homeowners' insurance policies.

  • Do homeowners' insurance policies cover flood damage in Santa Barbara?

    Flood damage, including mudslides and debris flows, is typically not covered by Santa Barbara homeowners' insurance plans because it is a natural disaster, not an accidental event. Insurance companies advised policyholders, particularly those living in flood-prone areas, to obtain supplemental coverage, such as a separate flood insurance policy. However, flood insurance policies in Santa Barbara have deductibles and may only cover the cost of repairing the dwelling, not the replacement of lost personal belongings.

  • How to file a flood insurance claim in Santa Barbara?

    Flood insurance policyholders in Santa Barbara must notify and contact their insurer in order to file a claim. They must document the damage, which includes making a list of lost or destroyed items, including receipts if possible, and photographing damaged property, such as standing floodwater levels and discarded objects. In order to receive claim payment in Santa Barbara, they must also provide proof of loss to their adjuster within 60 days.

  • Where to report a homeowners' underinsurance dispute in Santa Barbara?

    Victims of homeowner underinsurance in Santa Barbara can file a complaint with the California Department of Insurance, which is located at 300 South Spring Street, South Tower Los Angeles, CA 90013, or call 1-800-927-4357 or 800-482-4833. They must also provide several documents to support the claim, such as a declaration page from the homeowners' insurance policy, letters of claim denial, and canceled checks.

  • 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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