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2024

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Best Homeowners Insurance Agencies in Santa Maria, 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 Santa Maria 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.

66Reviewed

42Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3875 Constellation Road, Lompoc, CA 93436

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Vandenberg Insurance Agency is a full-service independent brokerage that can access the products of more than 30 of the country's leading insurers. Many of its clients are homeowners with one or more properties and renters, both looking for policies that can protect them against major disasters and unfortunate events, such as overflowing appliances. The brokers can also provide unbiased advice on additional coverage for increased risk of liability claims and the replacement costs of valuable personal items.

  • Personal Property Insurance
  • Multiple Policy Types

2162 Via Ventana, Santa Maria, CA 93458

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Stokes Insurance Agency is a Santa Maria-based insurance company. It has a wide range of insurance products in its lineup, including homeowners' insurance. The homeowners' insurance it offers to its clients covers property damage, personal liability, and medical payments coverage. The property damage coverage includes damage to the home and personal belongings, such as furniture, clothing, and television. It also includes damage to other structures that are not attached to the house, like tool sheds or detached garages.

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

300 James Way, Pismo Beach, CA 93449

Expertise.com Rating

Review Sources

Google
4.3 (6)
Facebook
5.0 (6)
Yelp
5.0 (3)

Why choose this provider?

Rob Railsback is a State Farm insurance agent who has been helping homeowners and renters get the coverage they need since opening his agency in 2014. Mr. Railsback is licensed to tailor State Farm's home insurance products, advise clients on additional coverage, such as replacing particularly valuable items, and discuss coverage they might not have considered, such as living expenses if they have to vacate their homes. He also specializes in life and health insurance.

  • Personal Property Insurance

2236 South Broadway, Santa Maria, CA 93454

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

The Santa Maria branch of California Star Insurance Service Inc. has many licensed insurance agents who have significant experience in helping their personal and business clients find policies that suit their coverage needs. The independent agents regularly find home insurance products that are within their clients' budgets and cover them against major disasters, such as fires, and other bad events, such as theft. The agency also specializes in business insurance.

  • Multiple Policy Types

310 James Way, Pismo Beach, CA 93449

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Neff & Associates Insurance Services is a locally owned and operated brokerage that's been serving residential and commercial clients in the Santa Maria metro area for many years. Its brokers have access to a wide range of home insurance products offered by some of the nation's leading insurance carriers. The brokers can tailor products to create policies that meet the coverage needs and premium expectations of each client. They can also discuss health and life insurance.

  • Flood
  • Condos
  • Renter's Insurance

2255 South Broadway, Santa Maria, CA 93454

Expertise.com Rating

Review Sources

Google
5.0 (22)
Yelp
4.5 (7)
Facebook
5.0 (3)

Why choose this provider?

Hometown Insurance Services, Inc. is a California insurance agency serving clients in the Santa Maria area. It specializes in comprehensive homeowners' insurance policies, covering disasters on top of the standard policy. The agents are detail-oriented and fully-trained to answer any queries from clients. It also offers a wide variety of life and health insurances, vehicle insurances, business and commercial insurances, and farm and ranch insurances. Hometown Insurance Services has been providing insurance solutions and products for over 13 years.

  • Fire
  • Multiple Policy Types

121 North Broadway, Santa Maria, CA 93454

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
1.0 (1)

Why choose this provider?

Coast Auto Insurance is an independent agency located in Santa Maria since 1986. Its areas of expertise include finding the best home insurance products from a wide range of respected carriers and tailoring policies to meet the needs and budgets of its clients. Its agents also specialize in renters insurance and umbrella policies that can protect clients from catastrophes that their other policies may not cover. Coast Auto Insurance's additional areas of expertise include business insurance.

  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Vandenberg Insurance Agency
3875 Constellation Road, Lompoc, CA 93436
stokesinsurance.com
2162 Via Ventana, Santa Maria, CA 93458
Rob Railsback - State Farm Insurance Agent
300 James Way, Pismo Beach, CA 93449
California Star Insurance Service Inc
2236 South Broadway, Santa Maria, CA 93454
Neff & Associates Insurance Services
310 James Way, Pismo Beach, CA 93449
Hometown Insurance Services, INC.
2255 South Broadway, Santa Maria, CA 93454
Coast Auto Insurance
121 North Broadway, Santa Maria, CA 93454

Santa Maria, CA Homeowners Insurance Agency FAQs

  • What is the difference between a homeowners' insurance and a home warranty in Santa Maria?

    The main difference between a homeowners' insurance policy and a home warranty in Santa Maria is that a homeowners' insurance covers damage to your house and your personal belongings, while a home warranty covers repair, replacement, and service of your household systems and appliances. These systems include HVAC, electrical, and plumbing systems.

  • Can homeowners' insurance in Santa Maria cover your lost or stolen jewelry?

    Yes, a homeowners' insurance policy in Santa Maria may cover your lost or stolen jewelry, including other valuable items such as guns, silverware, and electronics. The coverage is usually for small items which are susceptible to loss, theft, or damage. It has limits as set in the personal property coverage of standard homeowners' insurance policy.

  • Do you need to have homeowners' insurance when financing your home in Santa Maria?

    Yes, while you are not required by the state to have a homeowners' insurance policy, you may be required by your mortgage lender in Santa Maria to have one in place. As a borrower, you will be required to show proof of your homeowner's insurance coverage on or before the closing, such as the policy itself, proof of payment, or the declarations page.

  • What perils are generally covered by homeowners' insurance in Santa Maria?

    The perils that are generally covered by homeowners' insurance in Santa Maria are fire or lightning, windstorm or hail, explosion, smoke, vehicle and aircraft accidents, riot or civil commotion, theft, and vandalism. Other perils include volcanic eruption, falling objects, breakage of glass, sudden or accidental water damage, and weight of ice, snow, or sleet.

  • Can your homeowners' insurance policy in Santa Maria completely rebuild your home when it is damaged?

    It depends. If your homeowner's insurance policy in Santa Maria is a replacement cost value policy, then it can completely rebuild your home when it is destroyed. However, it may not totally replace your property if your insurance policy is an actual cash-value policy. Additionally, you will have to make sure that your replacement cost value policy matches your needs as there are different types available to choose from.

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