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2024

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Best Homeowners Insurance Agencies in Santa Monica, CA

Our Recommended Top 14

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 Monica 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.

63Reviewed

43Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16200 Ventura Boulevard, Encino, CA 91436

Expertise.com Rating

Review Sources

Google
5.0 (175)
Yelp
5.0 (112)
Facebook
5.0 (8)

Why choose this provider?

Based in Santa Monica, United Direct Insurance Services, Inc. is a full-service insurance broker that handles homeowners and property policies. It offers separate polices for floods and earthquakes, and the agency's standard homeowners plans generally cover property damage due to smoke and fires, personal liability for injuries that occur on policyholder's property, and coverage for damage and loss from theft and vandalism. United Direct Insurance Services' additional products include commercial auto, business, and business umbrella insurance.

  • Earthquake
  • Flood
  • Fire

16542 Ventura Boulevard, Encino, CA 91436

Expertise.com Rating

Review Sources

Yelp
4.5 (43)

Why choose this provider?

Serving clients in Santa Monica, e360 Insurance Services is a full-service insurance agency offering homeowners and renter's insurance policies. The company partners with carriers such as Nationwide and GeoVera to help customers find cost-effective plans with various levels of coverage, and it offers a secure online tool for quick quote requests. The agency's homeowners policies typically cover property damage and personal liability, and separate add-on policies are available for earthquake and flood damage.

  • Earthquake
  • Multiple Policy Types
  • Flood

8150 Beverly Boulevard, Los Angeles, CA 90048

Expertise.com Rating

Why choose this provider?

PALM is an insurance agency based in Santa Monica that offers tailored homeowners insurance plans for single-family homeowners and condo owners. The company's website features an online calculator for quick quotes, and policies are customized to meet customers' specific coverage needs and budgets. Current customers can log into PALM'S secure portal to access policy information, and the company's additional products include worker's compensation, general liability, professional liability, and group medical insurance.

  • Multiple Policy Types
  • Personal Property Insurance

1019 Gayley Avenue, Los Angeles, CA 90024

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Odette Aghabegians - State Farm Insurance Agent is a fully licensed insurance broker based in Santa Monica with a primary focus on homeowners and renters' policies. Ms. Aghabegians has over two decades of marketing experience, and she assists homeowners with securing plans that provide coverage for property damage and loss following fires, acts of vandalism, and other disasters. The agency offers separate policies for earthquakes, as well as customized bundle packages, and its additional products include life and health insurance.

  • Multiple Policy Types

6404 Wilshire Boulevard, Los Angeles, CA 90048

Expertise.com Rating

Review Sources

Google
4.9 (2036)
Yelp
5.0 (90)

Why choose this provider?

The licensed agents at MIS Insurance Services LLC specialize in tailoring insurance policies for homeowners, condo owners, and renters. Its agents have helped clients who required insurance because their lenders demanded it and those who wanted coverage in case of a disaster, such as a flood or a burglary or a liability claim from a visitor. MIS Insurance Services LLC also specializes in auto insurance for individuals and businesses and workers' comp insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

15260 Ventura Boulevard, Los Angeles, CA 91403

Expertise.com Rating

Review Sources

Facebook
4.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Syndicated Insurance Agency is comprised of independent agents near Santa Monica who provide clients with a variety of insurance options from leading insurance carriers. It reviews existing home insurance policies to design a package with more options and coverage for homeowners, renters, and landlords. The agency offers business insurance plans for coverage of general liabilities, worker's compensation, and group benefits. Other insurance policies provided by Syndicated Insurance include automobile, life, Medicare, and travel.

  • Renter's Insurance
  • Personal Property Insurance

3415 South Sepulveda Boulevard, Los Angeles, CA 90034

Expertise.com Rating

Review Sources

Google
5.0 (34)
Yelp
4.5 (10)

Why choose this provider?

Germani Insurance Services, Inc. is a Santa Monica insurance agency offering homeowners policies. The business provides coverage plans that include coverage A dwelling, coverage B other structures, coverage C personal property, and coverage D loss of use and additional living expenses. Additional policies are available for earthquake and flood damage, and the company offers umbrella insurance plans to help customers avoid gaps in coverage. Potential customers can request quick quotes via a secure online portal, and the company also handles business insurance and Medigap policies.

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

19755 Vanowen Street, Winnetka, CA 91306

Expertise.com Rating

Why choose this provider?

Serving the Santa Monica metro area, Cal-Best Palmas Insurance Agency is a full-service firm that handles homeowners policies. The company offers traditional homeowners policies that provide coverage for liability, property damage, and property loss, and its agents assist with add-ons and umbrella policies to eliminate gaps and cover damage from earthquakes and floods. Additionally, the agency provides bundled packages that include auto, home, umbrella, and earthquake insurance into a single policy.

  • Flood
  • Earthquake

214 Pier Avenue, Santa Monica, CA 90405

Expertise.com Rating

Review Sources

Google
5.0 (11)
Yelp
4.5 (9)
Facebook
5.0 (7)

Why choose this provider?

Byron Galindo - State Farm Insurance Agent is a licensed homeowners insurance broker in Santa Monica. Mr. Galindo joined State Farm in 2017, and he provides policies for homeowners, renters, and apartment building owners. Customers can obtain policy information and make payments through the agency's online portal, and Mr. Galindo offers separate policies for earthquakes and flooding. Along with homeowners policies, the agency's products include auto, business, life, and health insurance.

  • Personal Property Insurance

24007 Ventura Boulevard, Calabasas, CA 91302

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Founded in 1986, Landecker Insurance Services is a local agency that helps individuals, families, and businesses in Santa Monica and surrounding areas obtain the right insurance coverage. It offers home insurance packages that cover property damages and legal responsibility for any injuries to other people caused by family members or pets. For added peace of mind, homeowners can purchase two separate insurance policies for earthquakes and floods. Landecker Insurance also has comprehensive insurance plans for automobiles, condos, and health.

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

18464 Sherman Way, Los Angeles, CA 91335

Expertise.com Rating

Review Sources

Google
4.7 (122)
Yelp
4.5 (117)
Facebook
5.0 (4)

Why choose this provider?

Founded in 2012, Rapid Insurance is an independent brokerage that finds the best products from major insurers for residential and commercial clients in California and Arizona. Its services include tailoring home insurance policies from the products of one or more carriers to ensure its clients get the coverage they need with premiums within their budgets. Rapid Insurance also specializes in auto, motorcycle, and trucking insurance, and a wide range of insurance products for businesses.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

13160 Mindanao Way, Marina del Rey, CA 90292

Expertise.com Rating

Review Sources

Yelp
4.5 (49)
Facebook
5.0 (6)

Why choose this provider?

Based in Santa Monica, Jaffe Insurance Agency is a professional insurance provider offering homeowners policies for single-family homes, condos, and townhomes. The company's agents assist clients with obtaining general dwelling policies to cover expenses due to damage from fires, vandalism, and injuries that occur on homeowner property. Separate policies are required in California for flooding and earthquakes, and the agency offers umbrella insurance plans to fill in gaps and offer extra liability protection.

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

23161 Ventura Boulevard, Woodland Hills, CA 91364

Expertise.com Rating

Review Sources

Google
4.9 (86)
Yelp
4.5 (64)
Facebook
5.0 (3)

Why choose this provider?

Gaspar Insurance Services is an insurance broker in Santa Monica offering customized policies and plans for homeowners. Customers can message agents and obtain quotes through the company's online portal, and the business networks with an expansive group of carriers to allow for rate and coverage level comparisons. In addition to homeowners insurance, Gaspar Insurance Services offers commercial risk policies and worker's comp insurance for business owners, life insurance, and disability and long-term care plans.

  • Renter's Insurance
  • Multiple Policy Types

5955 De Soto Avenue, Suite 250, Woodland Hills, CA 91367

Expertise.com Rating

Why choose this provider?

Founded in 1987, The Liberty Company Insurance Brokers is an award-winning agency near Santa Monica that focuses on helping people find the right insurance coverage. It has decades of experience designing personalized home insurance plans for homeowners, apartment renters, and farmers. The brokers offer high-value insurance for protecting fine art, jewelry, and collectibles against disasters and theft. The Liberty Company also provides peace of mind by insuring automobiles, motorcycles, boats, and motorhomes.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
United Direct Insurance Services, Inc.
16200 Ventura Boulevard, Encino, CA 91436
e360 Insurance Services
16542 Ventura Boulevard, Encino, CA 91436
PALM
8150 Beverly Boulevard, Los Angeles, CA 90048
Odette Aghabegians - State Farm Insurance Agent
1019 Gayley Avenue, Los Angeles, CA 90024
MIS Insurance Services, LLC
6404 Wilshire Boulevard, Los Angeles, CA 90048
syndicatedins.com
15260 Ventura Boulevard, Los Angeles, CA 91403
Germani Insurance Services, Inc.
3415 South Sepulveda Boulevard, Los Angeles, CA 90034
Cal-Best Palmas Insurance Agency
19755 Vanowen Street, Winnetka, CA 91306
Byron Galindo - State Farm Insurance Agent
214 Pier Avenue, Santa Monica, CA 90405
Landecker Insurance Services
24007 Ventura Boulevard, Calabasas, CA 91302
Rapid Insurance
18464 Sherman Way, Los Angeles, CA 91335
Jaffe Insurance Agency
13160 Mindanao Way, Marina del Rey, CA 90292
Gaspar Insurance Services
23161 Ventura Boulevard, Woodland Hills, CA 91364
The Liberty Company Insurance Brokers
5955 De Soto Avenue, Suite 250, Woodland Hills, CA 91367

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.
  • Is homeowners insurance legally mandatory in Santa Monica?

    Although homeowners insurance is not legally mandatory in Santa Monica, it is often required by lenders and mortgage companies. You may be required to carry homeowners insurance as part of the requirements when you have a mortgage or home loan. You may have to consider the coverage you need to protect your investment and belongings when choosing a homeowners insurance policy.

  • What may not be covered in homeowners insurance policies in Santa Monica?

    Homeowners insurance policies in Santa Monica may not cover flood damage, earthquake, power failure, wear and tear, and nuclear hazards. Loss caused by faulty zoning, defective workmanship, and faulty construction materials are not covered by homeowners insurance. However, they can be purchased in a separate, stand-alone insurance policy. It could be necessary to carry a separate insurance policy if you live in a high-risk area and you still have a mortgage.

  • Is it difficult to get homeowners insurance in Santa Monica?

    It could be difficult to get homeowners insurance policies in Santa Monica and other parts of California due to inflation, catastrophic weather conditions, and other economic factors. Homeowners may have fewer options as some carriers withdrew from the insurance market of California. Additionally, insurance carriers increased their rates to cope with losses.

  • Who regulates homeowners insurance in Santa Monica?

    The California Department of Insurance is the state-based insurance authority that oversees homeowners insurance companies in Santa Monica. It also provides licensing to agents and brokers, resolves consumer complaints, conducts market reviews, and investigates insurance fraud. The department also enforces the insurance laws of California and regulates insurers and licensees.

  • What is the grace period for homeowners insurance in Santa Monica?

    If your homeowners insurance policy in Santa Monica covers a property located in an affected area in the event of a state of emergency, the insurer must provide a grace period of 60 days for payment of insurance premiums. This is in accordance with the California Insurance Code and directed to insurance companies that provide coverage including property, life, health, and auto insurance.

  • 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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