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2025

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Best Homeowners Insurance Agencies in Santa Rosa, CA

Our Recommended Top 9

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 Rosa 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.

97Reviewed

61Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1630 Sebastopol Rd #102, Santa Rosa, CA 95407
WebsiteLicense: 0G50640

Expertise.com Rating

Review Sources

Google
4.9 (202)
Facebook
5.0 (12)
Yelp
5.0 (4)

Why choose this provider?

Valley West Insurance Services is an independent agency that offers an array of insurance plans to Santa Rosa residents. It assists homeowners in getting coverage for their properties and liabilities by sourcing homeowners' insurance packages. Its agents guide clients in choosing the most suitable policy for their budget and needs. The locally-owned business also offers property insurance, a plan which may include fire, earthquake, and homeowners' insurance. Other insurance policies offered are auto, vacation, and business insurance.

  • Homeowners
  • Home and Auto Insurance

4918 Sonoma Hwy, Ste C, Santa Rosa, CA 95409
WebsiteLicense: 0622305

Expertise.com Rating

Review Sources

Yelp
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Marina Associates is a family-owned and family-operated independent insurance agency in Santa Rosa. It provides clients with insurance policies to protect their homes and personal belongings. It also offers homeowners policies that cover exposure to liability risks. The company's full line of insurance coverages includes protection plans for auto, boats, professional and general liability, and individual and group health. It has been handling the insurance needs of individuals and businesses for more than 50 years.

  • Multiple Policy Types

509 1/2 4th Street, Santa Rosa, CA 95401
WebsiteLicense: 0J16763

Expertise.com Rating

Why choose this provider?

Fulcrum Point offers clients in the Santa Rosa metro home insurance. The insurance company reviews policies for every change in a family's life, determining risks and liabilities. It offers coverage for clients' homes to help minimize costs in emergencies, protecting both homes and families. Michael A. Hyman and Dale Miller also provide and assist clients with auto insurance, business insurance, and surety. The company was founded by entrepreneurs with over five decades of enterprise experience.

  • Earthquake
  • Fire
  • Flood

2455 Bennett Valley Rd 103C, Santa Rosa, CA 95404
WebsiteLicense: 0B14510

Expertise.com Rating

Review Sources

Google
4.9 (16)
Yelp
3.0 (2)

Why choose this provider?

Aslan Insurance Agency, Inc is an independent agency serving clients in Santa Rosa and surrounding areas. It offers a variety of insurance types, including homeowners', farm, construction, automobiles, and workers' compensation. Its homeowners' insurance covers unexpected damages such as guest injuries, theft, vandalism, fires, and floods. It also has medical coverage and liability protection. With over 30 years of experience, Aslan has a team of agents with extensive knowledge in providing insurance services.

  • Earthquake

1205 N Dutton Ave., Santa Rosa, CA 95401
WebsiteLicense: 0D91054

Expertise.com Rating

Review Sources

Yelp
4.5 (51)
Facebook
5.0 (13)
Google
3.7 (7)

Why choose this provider?

RCU Insurance Services is serving the Santa Rosa area. Its agents provide a wide range of risk protection products, including homeowners' insurance. This type of policy covers damage to the physical home and its linked structures caused by fire or storm, visitor accidents, and expenditures associated with temporary relocation. Vehicle, business, life and AD&D, and pet insurance are among the company's other products. Payment protection and special event insurance are also offered. The company, a subsidiary of Redwood Credit Union, offers services in both English and Spanish.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

620 Sebastopol Road, Santa Rosa, CA 95407
WebsiteLicense: 0F51739

Expertise.com Rating

Review Sources

Google
4.1 (21)
Yelp
5.0 (3)

Why choose this provider?

Auto Saver Plus Insurance is a family-owned company that provides several insurance solutions to clients in Santa Rosa. Its homeowners' insurance offers financial protection against disasters, mitigating losses resulting from fire, theft, and vandalism. The policy also includes liability protection, for when guests get injured within the property. Its founder, Noelia Hernandez, helps clients assess and select policies from the several insurance companies that Auto Saver Plus Insurance represents—including Nationwide, American Modern, and Progressive.

  • Multiple Policy Types

4777 Sonoma Highway, Santa Rosa, CA 95409
WebsiteLicense: 0A54498

Expertise.com Rating

Review Sources

Google
4.8 (13)
Yelp
4.5 (8)
Facebook
5.0 (5)

Why choose this provider?

Kathy Crim is a State Farm agent who offers home insurance products and has over 20 years of experience in the industry. Serving near the Santa Rosa area, the provider is also engaged in mutual funds and banking products. She helps her clients secure their retirement money through annuities. Kathy Crim also offers her clients life, health, pet, business, and property insurance policies. She is also bilingual as she speaks Spanish and English.

800 Mendocino Avenue Suite 1, Santa Rosa, CA 95401
WebsiteLicense: 6005527

Expertise.com Rating

Review Sources

Google
4.9 (114)
Yelp
4.7 (12)
Facebook
5.0 (5)

Why choose this provider?

Erika Novoa is a Santa Rosa-based State Farm insurance agent. She and her staff help individuals and families shop for and acquire insurance products tailored to their circumstances, such as homeowners', renters', and automobile insurance. They also assist in acquiring additional coverage for the client's desired insurance policies, like extra personal liability coverage and pet medical policies for homeowners' insurance. Novoa has over 15 years of industry experience. She employs staff fluent in English and Spanish.

  • Multiple Policy Types
  • Homeowners
  • Life Insurance

1207 College Ave., Santa Rosa, CA 95404
WebsiteLicense: 0H39864

Expertise.com Rating

Why choose this provider?

Jared Soukup is an insurance agent who offers non-life insurance products to homeowners situated in Santa Rosa. The products he offers include home insurance policies, in addition to coverage for automobiles, properties, health, and pets. He also offers life insurance contracts. The agent has 18 years of experience with insurance claims. Soukup also has banking and mutual fund offerings for investors. He is also fluent in Spanish, allowing him to converse and negotiate with migrant clients.

  • Renters
  • Multiple Policy Types
  • Multiple policies

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Valley West Insurance Services
1630 Sebastopol Rd #102, Santa Rosa, CA 95407
Marina Associates
4918 Sonoma Hwy, Ste C, Santa Rosa, CA 95409
Fulcrum Point
509 1/2 4th Street, Santa Rosa, CA 95401
Aslan Insurance Agency, Inc
2455 Bennett Valley Rd 103C, Santa Rosa, CA 95404
RCU Insurance Services
1205 N Dutton Ave., Santa Rosa, CA 95401
Auto Saver Plus Insurance
620 Sebastopol Road, Santa Rosa, CA 95407
Kathy Crim
4777 Sonoma Highway, Santa Rosa, CA 95409
Erika Novoa
800 Mendocino Avenue Suite 1, Santa Rosa, CA 95401
Jared Soukup
1207 College Ave., Santa Rosa, CA 95404

Santa Rosa, CA Homeowners Insurance Agency FAQs

  • Can you add identity theft protection coverage to your homeowners insurance in Santa Rosa?

    You can add identity theft protection coverage to your homeowners insurance in Santa Rosa to protect your personal data from cybercrime activities. Policyholders will be notified in case of suspicious activities involving their debit or credit cards, Social Security numbers, passports, social media accounts, email addresses, and bank account numbers.

  • What factors affect the cost of homeowners insurance in Santa Rosa?

    If individuals and families in Santa Rosa own aggressive dogs and high-end personal belongings, like expensive jewelry and musical instruments, they might pay higher homeowners insurance rates. Other factors that affect the cost of homeowners' insurance are the age of the property, due to old electrical or plumbing systems that are costly to replace, policyholders' coverage choices, and deductibles.

  • How can you obtain homeowners' insurance discounts in Santa Rosa?

    Families and individuals in Santa Rosa may obtain homeowners' insurance discounts if their properties have smoke detectors and fire alarms, home security systems, automatic water shut-off and interior sprinkler systems, and smart home technology that notifies owners when there is fire or theft occurring. Some insurance companies also give discounts to policyholders who acquire other personal protection plans from them.

  • How do natural disasters affect homeowners insurance policies in Santa Rosa?

    In Santa Rosa, most major insurance companies limit new homeowners insurance policies due to severe weather events and wildfire risks resulting from rising temperatures. Due to natural disasters, insurance service providers are having a hard time managing their business due to rising labor and building costs for repairing residential properties.

  • What should you check in a homeowners insurance policy in Santa Rosa?

    When applying for homeowners insurance in Santa Rosa, you should check the limits on your personal property and liability coverage. You have to make sure that the limit is enough to protect the personal belongings you own. You should also ensure that your liability limit covers what you have in your assets. In addition, you must also understand your deductibles, and your deductibles must be within your budget.

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