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2024

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Best Homeowners Insurance Agencies in Westminster, 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 Westminster 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.

60Reviewed

39Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

17111 Beach Boulevard, Huntington Beach, CA 92647

Expertise.com Rating

Review Sources

Google
4.8 (151)
Yelp
4.0 (21)

Why choose this provider?

Number1 Insurance is an independent agency founded more than 18 years ago that provides insurance services to personal and commercial customers, mostly in the Westminster metro area, but also across California. Its home insurance services include arranging standard policies for homeowners and coverage for renters and condo owners, and special coverage for clients with older homes at particular risk of structural damage. The agency also specializes in insurance for drivers and businesses.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

14371 Euclid St, Ste 2D, Garden Grove, CA 92843

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Yelp
5.0 (3)

Why choose this provider?

Beyond Your Insurance Services offers homeowners insurance products in the Westminster metro area. Its agents help clients to shop for policies that provide coverage if their homes need to be repaired or need materials replaced. Coverage is also available for living expenses incurred because of displacement, and personal liability protection is available to homeowners. Renters insurance and dwelling fire insurance coverage is available as well. Beyond Your Insurance Services offers auto, life, and health insurance plans too.

  • Personal Property Insurance
  • Multiple Policy Types

10900 Los Alamitos Boulevard, Los Alamitos, CA 90720

Expertise.com Rating

Review Sources

Yelp
4.5 (9)
Facebook
4.2 (5)

Why choose this provider?

J Johnston insurance Services Inc. insures residential properties for clients by helping them to shop for policies and purchase plans that meet their needs through insurance carriers. This company can assist with acquiring coverage for damage to properties, personal items, extended replacement costs, and living expenses related to the loss of one's home. It can also help clients to financially protect themselves from personal liability related to their properties and cover any medical costs related to guests.

  • Personal Property Insurance
  • Multiple Policy Types

2904 Westminster Boulevard, Seal Beach, CA 90740

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Keegan Ferraro, State Farm Insurance Agent, is an agency offering home insurance policies. Its founder has considerable experience in the insurance industry and comes from a family that's worked with State Farm for over 60 years of experience . He and his staff help clients to find home insurance policies that cover liabilities involved with properties, personal possessions, and any incidents or injuries involving guests. This office also provides services for auto insurance and business insurance as well as health and life insurance.

  • Multiple Policy Types

18700 Beach Boulevard, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Google
4.8 (38)
Yelp
4.0 (30)

Why choose this provider?

Nancy Rangel Insurance & Financial Services sells homeowners insurance near Westminster and assists clients with finding policies and securing coverage. It typically sells insurance plans that cover any expenses associated with repairing, rebuilding, or redeeming the prior value of properties. Clients can customize their policies based on the needs they have to ensure they're thoroughly covered. Nancy Rangel Insurance & Financial Services also offers health insurance, life insurance, car insurance, and business insurance plans.

  • Personal Property Insurance
  • Multiple Policy Types

6771 Westminster Boulevard, Westminster, CA 92683

Expertise.com Rating

Review Sources

Google
5.0 (163)
Yelp
5.0 (14)

Why choose this provider?

Starwest Insurance Services, LLC, began in 1996 and offers insurance policies in Westminster. The company serves homeowners of various properties such as condos and primary houses. It has insurance plans that pay for theft and repairs of natural disaster damages. The company also offers coverage for renters and their belongings, paying for physical injuries and losses they might experience. Its agents advise clients on choosing plans that cover their risks and concerns. Starwest Insurance Services believes in having long-term relationships with clients.

  • Multiple Policy Types

9741 Bolsa Avenue, Westminster, CA 92683

Expertise.com Rating

Review Sources

Yelp
4.0 (45)
Google
3.1 (17)

Why choose this provider?

TMN Insurance Services Inc. is an insurance agency that was established in 2002. It provides clients in the Westminster area with insurance plans that are either about auto or home. Its homeowners' insurance provides coverage for the home's structure; personal possessions; the cost of additional living expenses in case of damage; and the client's liability to others. Included in the coverage for the structure of the home are the cost of rebuilding it and current construction costs.

  • Personal Property Insurance

11022 Winners Circle, Los Alamitos, CA 90720

Expertise.com Rating

Review Sources

Google
4.8 (74)
Yelp
4.5 (67)

Why choose this provider?

Located near Westminster, the Alandale Insurance Agency has been serving personal and commercial clients throughout Orange County and California since 1928. Its agents regularly tailor home insurance policies for clients with different needs, such as coverage against earthquakes, fires, and floods. They also help with additional coverage for high-worth personal items, such as art, and increased liability in the event of a third party suing the property owner. Additionally, the agents can discuss life and health policies.

  • Earthquake
  • Multiple Policy Types
  • Flood

21168 Beach Boulevard, Huntington Beach, CA 92648

Expertise.com Rating

Review Sources

Facebook
4.3 (8)

Why choose this provider?

California Insurance Finder is a locally owned agency near Westminster that's been helping homeowners find the best policies for their coverage needs since 2001. Its agents can advise clients on the pros and cons of policies, offer opinions on the aftersales services of various insurers based on their experience, and discuss additional coverage, such as the replacement of high-worth personal items. Additionally, California Insurance Finder can help with life, health, and auto insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Number1 Insurance
17111 Beach Boulevard, Huntington Beach, CA 92647
Beyond Your Insurance Services
14371 Euclid St, Ste 2D, Garden Grove, CA 92843
J Johnston Insurance Services, Inc.
10900 Los Alamitos Boulevard, Los Alamitos, CA 90720
keeganferraro.com
2904 Westminster Boulevard, Seal Beach, CA 90740
Nancy Rangel Insurance & Financial Services
18700 Beach Boulevard, Huntington Beach, CA 92648
Starwest Insurance Services, LLC
6771 Westminster Boulevard, Westminster, CA 92683
tmninsurance.com
9741 Bolsa Avenue, Westminster, CA 92683
Alandale Insurance Agency
11022 Winners Circle, Los Alamitos, CA 90720
California Insurance Finder
21168 Beach Boulevard, Huntington Beach, CA 92648

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.
  • Can you incorporate the cost of your Westminster homeowners’ insurance into your mortgage payments?

    Yes. When you buy homeowners' insurance, you typically have the option to include its expense in your mortgage installments. Most Westminster lenders require adequate householders insurance, which can be paid alongside your mortgage payment. On the positive side, it can help you budget more effectively, but your mortgage payments could be higher.

  • What is the difference between named-peris and all-risk homeowners' insurance policies in Westminster?

    Named-peril homeowners' insurance policies in Westminster offer coverage exclusively for explicitly listed perils or risks. These perils often include fire, theft, and certain natural disasters. Conversely, all-risk policies extend coverage to all possible risks and perils unless explicitly mentioned as exclusions in the terms of the policy. In the event of a loss, the responsibility of providing evidence falls upon the insurance provider.

  • What is the difference between cancellation and non-renewal in relation to Westminster homeowners’ insurance?

    In the context of Westminster homeowners' insurance, cancellation refers to the termination of an insurance policy before its expiration date. Insurers cannot terminate policies that have been in effect for more than 60 days unless policyholders fall behind on premium payments or commit fraud. In cases of non-renewal, both the policyholder and the insurance company retain the choice not to extend the policy upon its expiration.

  • How can you estimate the amount of the homeowners' insurance policy you need to reconstruct your Westminster home at the current construction cost?

    Estimating the amount of homeowners' insurance you need to cover the cost of rebuilding your Westminster home at current construction costs involves multiplying your home's overall square footage by the prevailing cost per square foot for construction in your vicinity. You can acquire information on the existing construction costs in your area through local real estate professionals, builders' associations, or insurance agents.

  • Does your Westminster homeowners' insurance policy's personal property coverage cover your belongings anywhere in the world?

    Yes. The coverage for personal property in your homeowners' insurance policy extends beyond just your home's physical location in Westminster. However, even if this coverage applies to your belongings anywhere in the world, it is subject to certain limitations and conditions. Some insurance companies cap the limit at 10% of the insurance amount allocated for your possessions.

  • 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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