Looking for the best Homeowners Insurance Company in San Diego?
We’ve got you covered!
Here at Prosper Insurance we recognize the responsibility that comes with being a homeowner. There are so many different things that come with owning and maintaining a house. Furthermore we understand that it is vital to protect your home, and those who live inside, with comprehensive San Diego, CA homeowners insurance.
After all, your home is most likely your most valuable asset, and one that should be properly insured. Luckily we make this process extremely easy for you and our customers.
How to save money and get better coverage on your San Diego homeowners insurance:
- Click here for a San Diego homeowners insurance quote
- Fill out the form and/or upload your most current homeowners insurance coverage info
- We find the coverage and rate you’re looking for!
It really couldn’t be easier.
You see, at Prosper Insurance we are proud homeowners too, which is exactly why we are committed to helping you navigate through this critical policy decision. That’s exactly what it is — a decision.
There are so many different coverages, limits, conditions, and endorsements in a homeowners policy, that it truly takes much more then an apples-to-apples quote to see if you’re getting the best deal.
Because we have so much experience with homeowners insurance, we can navigate through your policy, including the fine print, to ensure that you’re getting what you’ve been paying for.
Don’t just guess if you have good homeowners insurance in San Diego
You’ve worked hard to secure yourself a safe and inviting place to call your own—now the next logical step is protecting you and your property from the unexpected.
Because we are a San Diego independent agency, we have the ability to shop from over 20 top-rated homeowners insurance companies, comparing rates and coverage packages, resulting in the best possible CA homeowners insurance. No matter where you are located across the state of California—we’re here to help you protect your home and your family.
Whether you need a homeowners policy in San Diego, a condo policy in Mission Valley, a renters policy in Pacific Beach, or a landlord policy in Clairemont, we can find you the right coverage at the best possible price.
Typical homeowners insurance coverages to be familiar with:
- Dwelling (the physical structure of your home)
- Replacement cost coverage (for the dwelling, other structures, and personal contents)
- Additional living expense (so you can live somewhere else while your home is being rebuilt or repaired)
- Personal & Family Liability (in case you or a household member is found liable for someone else’s injury or property damage)
Looking for specialty coverage, for those unique exposures vulnerable within your standard home insurance policy? Our fully adaptable policies can be customized with further endorsements, which may be purchased, to enhance your homeowners insurance! CA clients can benefit from additional coverage options, including:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
At Prosper Insurance, we know what may work for one homeowner, won’t necessarily work for you. This is exactly why we aim to create individualized insurance plans that reflect the distinct needs of you, your family and your unique home.
Other questions that are required to get the best price on your homeowners insurance:
- How old is the roof on your home?
- How old and what type of heat do you have?
- Do you have any animals or pets?
- Does your electrical system operate on 100% circuit breakers?
No two homeowners policies are the same
It’s important to understand that different insurance companies have different appetites, rules, and underwriting requirements. Comparing a homeowners insurance policy
In our many years of helping people in San Diego with their homeowners insurance, we’ve uncovered an unfortunate amount of mistakes, coverage limitations, and holes in policies that the homeowner never even realized existed. We’ve actually gained business from other insurance companies and exclusive agencies on many occasions because of this.
Often times these things happen because most insurance sales people, especially those who are not independent agents, are simply be trying to compete against another company’s price so they can get the business.
This brings up another relevant point — no two insurance agents are the same either. Agents who are not independent, and who don’t have a wide selection of insurance companies to choose from (like we do) are often times forced to cut back coverages when a customer calls in about their increasing insurance premiums.
When you’re not an independent agent, that’s really the only way you can lower a customers’ rate and keep the business.
Quality homeowners insurance without compromise
At Prosper insurance, you never have to sacrifice quality homeowners insurance coverage just to shave off a few dollars from your premium.
Give us a call today, to learn more about our CA homeowners insurance policies. One of our insurance specialists would be happy to provide you with a complete coverage review as well as offer you a free quote for San Diego homeowners insurance right now!
You can also submit your information below to speed up the process!