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2025

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Best Homeowners Insurance Agencies in Vista, CA

Our Recommended Top 6

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 Vista 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

40Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Vista
902 South Santa Fe Avenue, Vista, CA 92084

Expertise.com Rating

Review Sources

Google
5.0 (102)
Yelp
3.0 (13)
Facebook
4.6 (10)

Why choose this provider?

American Tri-Star Insurance Services Inc. has been providing customized insurance solutions for residents and businesses in Vista and nearby areas for almost two decades. Founded in 2003, the company assists homeowners to obtain financial protection for their homes and personal investments against disasters and unforeseen perils. Its licensed agents create personalized policies that cover property repairs, lost or stolen personal valuables, medical fees and liabilities to others, and additional living expenses from temporary relocation. The company also handles all types of personal and business insurance plans in San Diego, Chula Vista, and National City.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Vista
1020 South Santa Fe Avenue, Suite K, Vista, CA 92084

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
4.8 (20)
Yelp
4.0 (12)

Why choose this provider?

Alta Vista Insurance Agency is a full-service insurance firm that has been providing financial relief to homeowners and businesses in Vista since 1978. The company assists homeowners and mortgage payers to secure financial protection for their homes and personal belongings against unfortunate events with a homeowners' insurance policy. Its licensed and independent brokers work with several carriers to create a customized policy that can cover structural repairs and rebuilds, as well as replacements for lost or damaged personal items. Other insurance products include auto, life, umbrella, and commercial policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Best Homeowners Insurance Agencies Serving Vista
2391 South Melrose Drive, Vista, CA 92081

Expertise.com Rating

Review Sources

Yelp
5.0 (32)
Google
5.0 (15)
Facebook
5.0 (6)

Why choose this provider?

Aloha West Insurance is an insurance company located in Vista that has been in the industry for more than three decades. Since being founded in 1981, Aloha West Insurance's agents have helped customers get homeowners' insurance policies that suit their needs, regardless of which insurance carrier they're from. Aloha West Insurance also provides many other types of personal and commercial insurance, including umbrella policies that can cover most concerns and policies that cover specific losses and incidents only.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Best Homeowners Insurance Agencies Serving Vista
2424 Vista Way, Oceanside, CA 92054

Expertise.com Rating

Review Sources

Google
4.5 (30)
Yelp
4.0 (19)

Why choose this provider?

Luke Dix State Farm Insurance Agent serves clients in Vista and throughout its nearby communities. This agency is available five days a week to provide clients with insurance advice and claims assistance. It also accepts after-hours appointments upon request. Agent Luke Dix has been working with State Farm since 2008 and is licensed to sell insurance throughout California. Other lines this agency carries include auto, renters, business, life, and health insurance.

  • Renter's Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Vista
2142 Industrial Court, Vista, CA 92081

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

Serving clients near Vista, Amato Insurance provides various insurance policies, including homeowners' insurance which can protect a home and any personal belongings inside. The independent insurance agency offers standard policies, broad form policies, special (or all-risk) policies, renters policies, condo policies, and older home policies. Each type offers different levels of coverage depending on the homeowner's needs. Amato Insurance also helps customers find personal or commercial auto insurance, boat and yacht insurance, business insurance, and workers' compensation insurance.

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

Best Homeowners Insurance Agencies Serving Vista
1365 West Vista Way, Vista, CA 92083

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Tague Insurance Agency caters to the insurance needs of homeowners and business property owners in Vista and the surrounding areas. Its homeowners' insurance policies provide financial protection for different types of homes, such as a house, apartment, or condominium. The common inclusions of the policy are property or dwelling coverage, personal liability coverage, medical coverage, and additional living expenses or loss of use. Optional coverages include landlord protection insurance and scheduled personal property coverage.

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

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
American Tri-Star Insurance Services Inc.
902 South Santa Fe Avenue, Vista, CA 92084
Alta Vista Insurance Agency
1020 South Santa Fe Avenue, Suite K, Vista, CA 92084
Aloha West Insurance
2391 South Melrose Drive, Vista, CA 92081
Luke Dix - State Farm Insurance Agent
2424 Vista Way, Oceanside, CA 92054
Amato Insurance
2142 Industrial Court, Vista, CA 92081
Tague Insurance Agency
1365 West Vista Way, Vista, CA 92083

Vista, CA Homeowners Insurance Agency FAQs

  • Are homeowners in Vista protected from damages caused by sinkholes?

    No. In Vista, standard homeowners' insurance does not cover damages caused by the earth movement. Most insurance companies do not create coverage for this because it is hard to predict and investigate and will lead to costly repairs. However, individuals are advised to consult an insurance agent to know whether they can acquire earthquake protection coverage.

  • How does location affect homeowners' insurance premiums in Vista?

    A home's location can affect the insurance premiums of policyholders because some areas in Vista are more prone to natural disasters. If their area is always affected by strong wind, hail, fire, or volcanic activity, their insurance premiums might be higher than the average. However, homeowners' insurance does not cover damages if a policyholder's area is prone to crimes, nuclear hazards, and war.

  • Does your homeowners' insurance in Vista cover asbestos removal?

    It depends. Most insurance companies classify asbestos as a pollutant, which is why they do not include asbestos removal coverage. However, in some instances, a homeowners' insurance policy may pay for asbestos removal if, for example, a tree collapses and reveals asbestos in your roof's shingles. Your homeowners' insurance may cover the expenses for the roof repair and the removal of the asbestos.

  • Does homeowners' insurance in Vista cover solar panels?

    Yes. In Vista, most homeowners' insurance policies cover solar panels if they are roof-mounted and permanently attached to the structure of your home. However, in some cases, you might acquire a separate policy for your solar panels if they are installed in your yard because they are not placed in the actual interior of your home.

  • How can you save money on your homeowners' insurance in Vista?

    In Vista, you can save money if you combine your homeowners' insurance with other types of personal protection plans under one company. Combining coverage allows you to enjoy discounts. You may also pay a higher premium to get a low deductible in case of unforeseen events. In addition, you can save money from your homeowners' insurance if your property has fire alarms and security systems.

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