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2024

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Best Homeowners Insurance Agencies in Torrance, 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 Torrance 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.

91Reviewed

57Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

23922 Crenshaw Blvd, Torrance, CA 90505

Expertise.com Rating

Review Sources

Yelp
5.0 (6)
Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Tom Hindman - State Farm Insurance Agent is an insurance specialist based in Torrance. The insurance consultant assists clients in a variety of areas including home insurance. Hindman creates insurance policies for homeowners that include coverage for personal belongings such as collectibles, electronics, appliances, and furniture. He also offers home insurance plans that cover damage resulting from theft or vandalism. Aside from home insurance, Hindman offers pet insurance, auto insurance, and health insurance, and provides customer support 24/7.

  • Personal Property Insurance
  • Multiple Policy Types

730 S Pacific Coast Hwy 201, Redondo Beach, CA 90277

Expertise.com Rating

Review Sources

Yelp
4.0 (25)
Google
3.7 (6)
Facebook
5.0 (4)

Why choose this provider?

Bichlmeier Insurance Services is a full-service agency that has been operating since 1961. The insurance advisors provide a wide range of insurance plans for residents in Torrance including homeowners' insurance. Its team of agents creates home insurance policies that cover the costs of damaged property due to disasters such as a fire. Home insurance plans also protect homeowners against injury claims. Bichlmeier Insurance Services provides insurance services in Arizona, Nevada, Texas, and Colorado.

  • Multiple Policy Types
  • Personal Property Insurance

2356 Torrance Blvd, Torrance, CA 90501

Expertise.com Rating

Review Sources

Google
5.0 (30)
Yelp
5.0 (13)

Why choose this provider?

Post Insurance Services, Inc. is a third-generation agency that serves Torrance residents. The company assists clients in a wide range of insurance needs including home insurance. It offers home insurance plans that include coverage for any property damage or injuries a homeowner is liable for. Other personal insurance products of the firm include condo insurance, renters' insurance, and auto insurance. Daniel W. Post, company president, earned his Certified Insurance Counselors degree in 1983.

  • Renter's Insurance
  • Condos

Torrance, CA

Expertise.com Rating

Review Sources

Yelp
5.0 (7)
Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

Zenker Insurance Agency, LLC, is an independent insurance agency that has been serving South Bay communities such as Torrance, Palos Verdes, and Rolling Hills for over 29 years. It offers a variety of insurance products and services, including homeowners' insurance. This family-owned agency has agents who can explain the financial protection benefits of having homeowners' insurance. The policy can financially protect homes against loss, covering vandalism, theft, and damages caused by certain weather conditions. Zenker Insurance Agency also offers auto and life insurance.

  • Earthquake
  • Multiple Policy Types

21707 Hawthorne Boulevard, Torrance, CA 90503

Expertise.com Rating

Review Sources

Facebook
4.0 (4)
Yelp
4.0 (4)
Google
5.0 (2)

Why choose this provider?

QIS Insurance Services LLC is a professional insurance agency that offers a variety of services and products to clients in Torrance, Redondo Beach, Los Angeles, Sacramento, and throughout the state. It offers insurance for homeowners and renters. Its agents can provide assistance to clients in all stages of the home insurance policy, from quoting and purchasing to servicing. QIS also offers business, earthquake, flood, condo, and commercial property insurance policies.

  • Multiple Policy Types

3451 Torrance Blvd, Torrance, CA 90503

Expertise.com Rating

Review Sources

Yelp
3.5 (6)
Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Kris Rogers Insurance Services provides property damage and liability coverage for homeowners in Torrance. Its policies cover common hazards, such as fire, theft, and vandalism, as well as reimburse costs and medical expenses for parties injured while on a client's premises. Kris Rogers also counsels clients on factors that affect their policy decisions, including the cost of rebuilding, the scope of their plan, and the process of filing a claim. Other lines of insurances offered include auto, business, life, and health.

  • Personal Property Insurance
  • Multiple Policy Types

2106 Lomita Blvd STE 100, Lomita, CA 90717

Expertise.com Rating

Review Sources

Google
4.7 (15)
Yelp
4.5 (14)
Facebook
5.0 (4)

Why choose this provider?

Nickerson Insurance Services, Inc. is a multi-line and independently owned insurance agency that offers property damage policies for homeowners in Torrance. Founded in 1961, it provides home insurance plans that cover common hazards such as fires. It also counsels clients on the scope of their coverage, the process of filing a claim, and its role in mortgages for home purchases. Nickerson also services clients residing in rentals, condo, and mobile homes with their own insurance policies, as well as offers dwelling fire insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Tom Hindman - State Farm Insurance Agent
23922 Crenshaw Blvd, Torrance, CA 90505
Bichlmeier Insurance Services
730 S Pacific Coast Hwy 201, Redondo Beach, CA 90277
Post Insurance Services, Inc.
2356 Torrance Blvd, Torrance, CA 90501
Zenker Insurance Agency, LLC
Torrance, CA
QIS Insurance Services LLC
21707 Hawthorne Boulevard, Torrance, CA 90503
Kris Rogers Insurance Services
3451 Torrance Blvd, Torrance, CA 90503
Nickerson Insurance Services, Inc.
2106 Lomita Blvd STE 100, Lomita, CA 90717

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.
  • What does the 80% rule mean for homeowners insurance in Torrance?

    The 80% rule dictates that to secure full reimbursement following a covered loss, homeowners in Torrance must have insurance that equals at least 80% of their home's entire replacement cost. If they don't meet this criterion, they risk not obtaining complete coverage for damages. Homeowners must align their policy with this guideline to avoid potential financial shortfalls.

  • For homeowners in Torrance, how does insurance coverage work for accessory dwelling units (ADUs) or "granny flats"?

    In Torrance, insuring an ADU hinges on its attachment to the main dwelling and if it's rented out. Coverage nuances are influenced by the homeowner's location and their insurance provider. It's pivotal to understand that a property inspection might be mandatory to ascertain the ADU's eligibility for insurance and to guarantee adequate coverage. Consulting their insurer ensures homeowners grasp all specifics.

  • If a homeowner's property in Torrance experiences a mudslide due to a wildfire, will their HO policy cover it?

    In Torrance, while mudslides might not be directly covered, the principle of "efficient proximate cause" might offer some hope. The HO policy could provide coverage if evidence indicates that the wildfire (a covered peril) directly led to the mudslide or similar events. Homeowners should first submit a claim. If denied, the insurer must justify the refusal, citing policy specifics.

  • In Torrance, how do "actual cash value" and "replacement cost" differ in homeowners' policies?

    In Torrance, when a policy uses "actual cash value," the homeowner gets the depreciated value of the damaged item, reflecting age and use. Conversely, with "replacement cost" coverage, one is compensated based on the current price to replace the item with another of the same type and quality. While the former considers depreciation, the latter seeks to cover the present-day value of a comparable item. Homeowners need to understand both options to make informed decisions.

  • Are damages from earthquakes covered by homeowners' insurance in Torrance?

    No, damages from earthquakes aren't covered by standard homeowners' insurance. To safeguard against earthquake-related damages, Torrance residents must obtain a separate policy. If they forgo this coverage, they must shoulder the entire burden, from mending their homes to replacing personal items and securing temporary housing after a major tremor. Assessing the potential financial implications versus the benefits of having coverage is crucial.

  • 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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