Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Santa Clara, CA

Our Recommended Top 8

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 Clara 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.

79Reviewed

50Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Santa Clara, CA

Expertise.com Rating

Review Sources

Yelp
4.5 (7)
Facebook
5.0 (6)
Google
5.0 (4)

Why choose this provider?

Donald Browne Insurance Services Inc. is a locally owned agency based in Santa Clara that's been providing its clients with unbiased services since it started in 1997. Its agents can help homeowners, landlords, and renters get insurance to cover the costs of property damage, liability claims, medical expenses, and living expenses if they need to temporarily relocate. The agency also specializes in earthquake, vehicle, health, long-term care, and small business insurance.

  • Renter's Insurance
  • Earthquake

1190 South Bascom Avenue, San Jose, CA 95128

Expertise.com Rating

Review Sources

Yelp
5.0 (18)
Facebook
5.0 (11)
Google
5.0 (9)

Why choose this provider?

BayShield Insurance Services is an independent agency that can source a wide range of products offered by major insurers, such as Foremost, Travelers, and Transamerica. Many of its clients are homeowners who need help in finding the right coverage for their properties and a thorough understanding of how their policies work. The agency's agents provide unbiased advice and support to their clients, discuss additional coverage the client might not have considered, and assist in filing claims.

  • Multiple Policy Types

3150 Almaden Expressway, San Jose, CA 95118

Expertise.com Rating

Review Sources

Yelp
4.5 (25)

Why choose this provider?

Walton & Associates Insurance Services is a locally owned agency that specializes in offering unbiased advice and a wide choice of policies sourced from some of the country's most respected insurance carriers. Its agents frequently help homeowners, landlords, and renters find policies that cover them against unexpected misfortunes, such as fires, flooding, and theft. The agents also explain policies to their clients so they know what's covered and assist in filing claims.

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

2062 Walsh Avenue, Santa Clara, CA 95050

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Concise Insurance Services discusses insurance policy options to residents and business property owners in Santa Clara and the surrounding areas. The homeowners' insurance policy provides financial protection in the unfortunate event of damages to property and personal belongings due to fire or natural disasters, loss due to theft and vandalism, and liability protection and medical coverage in the case of guests getting injured while on the client's property. Mortgage lenders also require clients to have homeowners' insurance.

  • Fire
  • Multiple Policy Types

2598 Mabury Square, San Jose, CA 95133

Expertise.com Rating

Why choose this provider?

Melin Insurance Services caters to the insurance needs of homeowners and business property owners in Santa Clara and the surrounding communities. Its homeowners' insurance policies cover damages to the structures and personal belongings due to fire, lightning, hail, explosions, and theft. In order to receive the full benefits of a replacement payment, clients can choose from additional policies, such as the guaranteed replacement cost policy, the extended replacement cost policy, or an inflation guard.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1123 Soquel Avenue, Santa Cruz, CA 95062

Expertise.com Rating

Why choose this provider?

DCD Financial & Insurance Services is an independent agency located near Santa Clara that serves personal and business clients throughout California. Its agents frequently serve homeowners and renters looking for home insurance policies that will protect them from the costs incurred by a range of disasters, such as fires and flooding. Additionally, the agents can analyze the level of liability coverage the client might need and the replacement costs for particularly valuable personal items.

  • Renter's Insurance
  • Condos

2033 Gateway Place, San Jose, CA 95126

Expertise.com Rating

Review Sources

Google
4.1 (7)

Why choose this provider?

Gleason Insurance Group is a locally-owned insurance agency serving Santa Clara residents and businesses since 2009. It offers clients homeowners' insurance products that match their specific needs. These home insurance policies cover property damage, personal belongings, and liabilities. The company also offers auto and business policies. Gleason Insurance Group's CEO, Nathan Gleason, has nearly a decade of experience in the industry and is licensed in numerous states, including California, New York, Washington, Texas, Mississippi, and Nevada.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

4010 Moorpark Ave 117, San Jose, CA 95117

Expertise.com Rating

Review Sources

Yelp
5.0 (44)
Google
4.9 (32)
Facebook
5.0 (4)

Why choose this provider?

All Spectrum Insurance Brokers offers a full range of policy options for residents in Santa Clara, including policy options for home insurance. One of the home insurance coverages is scheduled personal property coverage. This coverage protects valuable possessions such as art, antiques, collectibles, and jewelry. All Spectrum Insurance Brokers is licensed in 12 other states, including New York, New Jersey, North Carolina, Texas, Washington, and Illinois. Its team also assists clients in managing insurance claims.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Donald Browne Insurance Services, Inc
Santa Clara, CA
BayShield Insurance Services
1190 South Bascom Avenue, San Jose, CA 95128
Walton & Associates Insurance Services
3150 Almaden Expressway, San Jose, CA 95118
Concise Insurance Services
2062 Walsh Avenue, Santa Clara, CA 95050
Melin Insurance Services
2598 Mabury Square, San Jose, CA 95133
DCD Financial & Insurance Services
1123 Soquel Avenue, Santa Cruz, CA 95062
Gleason Insurance Group
2033 Gateway Place, San Jose, CA 95126
All Spectrum Insurance Brokers
4010 Moorpark Ave 117, San Jose, CA 95117

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.
  • Should homeowner insure their property to its full value in Santa Clara?

    Most insurers recommend that people buy homeowners' insurance policies that cover the cost of repairing and rebuilding their homes. Before applying for homeowners' insurance that will protect and restore the value of their homes, policyholders should consider the features of their home, the cost of living in Santa Clara, and the size of their property. Residents of Santa Clara, on the other hand, pay at least $1,381 per year for a $300,000 home, while those with a $200,000 home pay $1,082 per year.

  • Is homeowners' insurance tax deductible in Santa Clara?

    Homeowners' insurance policies in Santa Clara are not deductible on personal income tax returns unless used for business purposes. For example, a self-employed person who works from home may be eligible for tax breaks based on the percentage of the property used for business transactions. Furthermore, rental properties in Santa Clara with homeowners' insurance policies may be tax deductible as a business expense to cover the building's value.

  • Do brick houses have a lower homeowners' insurance premium rate in Santa Clara?

    Brick houses in Santa Clara are less expensive to insure because they are less susceptible to termite, wind, and fire damage. Owners of brick houses, on the other hand, are advised to purchase a higher level of insurance coverage to cover the high cost of materials and labor in rebuilding or repairing it. Furthermore, insurance companies will not accept brick houses in an earthquake-prone area of Santa Clara because they sustained significant damage during the disaster.

  • What is HO-6 policy in Santa Clara?

    The HO-6 policy is a type of homeowners insurance for Santa Clara condo and co-op owners. It provides liability coverage for unit improvements, alterations, or additions. It also covers interior damage, loss assessment, and additional living expenses or loss of use, if applicable. Most Santa Clara insurers, however, advise HO-6 policyholders to purchase additional coverage for valuable possessions such as computer equipment and fine art, liability, and weather-related disasters such as floods, windstorms, and earthquakes.

  • Are high-value belongings protected under homeowners' insurance policies in Santa Clara?

    High-value possessions are not entirely covered by Santa Clara homeowners' insurance policies, as most insurers offer only $1,000 to $2,000 per item. Policyholders who own high-value items, such as antiques, jewelry, collectibles, and fine art, should have them professionally appraised to determine their worth. They must also include a personal property endorsement or rider to cover the full value of the item, particularly if it was stolen.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.