Find the Best Home Insurance Providers in El Cerrito, CA 94530

Searching for home insurance in El Cerrito, CA? This local directory is designed to help homeowners, renters, and landlords connect with nearby home insurance agents and companies offering competitive coverage options. Whether you’re a first-time homeowner, protecting a vacation home, or renewing your existing policy, this page connects you with a range of service providers in your area.


Home Insurance Options in El Cerrito, CA

Protecting your home in {City} starts with choosing the right insurance provider. Based on coverage options, affordability, and customer satisfaction, these top-rated home insurance companies offer trusted protection for homeowners in {City}.

Little Bug Inc

7434 Rockway Avenue, El Cerrito, CA
Health Care and Social Assistance

Aaa Northern Ca Nv & Ut

1000 El Cerrito Plaza, El Cerrito, CA
Finance and Insurance

Don's Trailer Transport Inc

6431 Portola Drive, El Cerrito, CA
Transportation and Warehousing

J&R Transmission Center

6322 Ohio St, El Cerrito, CA
Retail Trade

William J Commerford Insurance

190 El Cerrito Plaza, El Cerrito, CA
Finance and Insurance

Employee Benefit Administration Servinces Inc

305 El Cerrito Plaza, El Cerrito, CA
Finance and Insurance

Erichan B Lozano -Better Homes and Garden Mason McDuffie RE

10612 San Pablo Ave, El Cerrito, CA

Lincoln Irwin

10290 San Pablo Avenue # 102, El Cerrito, CA
Finance and Insurance

Home Depot

11955 San Pablo Avenue, El Cerrito, CA
Retail Trade

Bocanegra Construction

1641 Julian Drive, El Cerrito, CA

Chun Calvin

11457 San Pablo Avenue, El Cerrito, CA
Finance and Insurance

C First Insurance Corp

El Cerrito Plaza # 218, El Cerrito, CA
Finance and Insurance

Rjohnson Home Care Inc

1065 Contra Costa Drive, El Cerrito, CA
Health Care and Social Assistance

Sonny Tegbaru - State Farm Insurance

10810 San Pablo Ave
#40, El Cerrito, CA

Dashers Insurance Service

10567 San Pablo Avenue, El Cerrito, CA
Finance and Insurance

Indira designs

3060 el-Cerrito place # 198, El Cerrito, CA

Barrett Business Insurance

6328 Fairmount Avenue, El Cerrito, CA
Finance and Insurance

Sonny Tegbaru-State Farm Ins

10810 San Pablo Avenue # 40, El Cerrito, CA
Finance and Insurance

Mary's House

11152 San Pablo Avenue, El Cerrito, CA
Health Care and Social Assistance

Oriental Acupressure Healing

6329 Fairmount Avenue, El Cerrito, CA
Health Care and Social Assistance

Barrett Business Insurance

6328 Fairmount Avenue, El Cerrito, CA
Finance and Insurance

Tower Jonathan Construction

6519 Eureka Avenue, El Cerrito, CA
Construction

Pbia Insurance And Financial Service

3424 Yosemite Avenue Apartment 3, El Cerrito, CA
Finance and Insurance

Chun Calvin

11457 San Pablo Avenue, El Cerrito, CA
Finance and Insurance

Health Insurance Assoc

6934 Fairview Drive, El Cerrito, CA
Finance and Insurance
PreviousNext


Home Insurance Options in El Cerrito, CA

The providers listed in this directory offer a range of home insurance products, which may include:

  • Standard HO-3 policies (dwelling, liability, and personal property)

  • Condo insurance (HO-6)

  • Renters insurance (HO-4)

  • Landlord or rental property insurance

  • Flood and earthquake coverage (where applicable)

  • High-value home policies

  • Vacant home insurance

  • Umbrella liability protection


Types of Coverage You May Need in El Cerrito

Basic Homeowners Insurance (HO-3)

This standard policy protects the physical structure of your home, your belongings, and provides liability coverage in case someone is injured on your property.

Common searches:
“Home insurance quotes in El Cerrito”
“Best homeowners insurance companies near me”


Renters Insurance (HO-4)

If you're renting, renters insurance protects your personal property from fire, theft, or vandalism and may include liability coverage.

Related queries:
“Cheap renters insurance CA”
“Do landlords require renters insurance in El Cerrito?”


Condo Insurance (HO-6)

Covers the interior of your condo unit, personal property, and liability protection. Often used alongside the condo association’s master policy.

Searched as:
“Condo insurance in 94530”
“HO-6 insurance policy for condos”


Landlord Insurance

Provides coverage for rental properties, including the structure, liability protection, and loss of rental income.

Also searched:
“Rental property insurance El Cerrito”
“Landlord insurance policies near me”


Additional Coverage Options

  • Flood Insurance (especially if your property is in a FEMA-designated flood zone)

  • Earthquake Insurance (depending on region)

  • Scheduled personal property (for jewelry, collectibles, etc.)

  • Umbrella Liability Policies for broader protection


Popular Home Insurance Searches in El Cerrito, CA

This page is structured to align with common local user intent, such as:

  • “Compare home insurance quotes 94530”

  • “Best homeowners insurance for new homebuyers”

  • “Cheap home insurance in El Cerrito”

  • “Do I need flood insurance in CA?”

  • “Top-rated home insurance companies near me”


What Impacts Home Insurance Rates in El Cerrito?

Home insurance premiums can vary significantly based on:

  • Age, size, and rebuild cost of your home

  • Proximity to fire stations and hydrants

  • Local weather and natural disaster risks

  • Claims history (yours and the home’s)

  • Your credit score (in most states)

  • Bundled policies (home + auto = discount)

  • Deductible amount and coverage limits

Providers listed here may offer free quotes, local risk assessments, and assistance with selecting policy add-ons.


Why Use This Home Insurance Directory for El Cerrito?

  • Neutral Listings: No promotions or paid placement

  • Search Engine Optimized: Designed to match common queries and ranking signals

  • Local Focus: Specifically for El Cerrito, 94530, and surrounding areas

  • User Friendly: Contact providers directly—no account required


Frequently Asked Questions (FAQ)

What is the average cost of home insurance in El Cerrito?

Homeowners insurance costs vary by property size, location, and risk factors. Use this directory to compare providers and request accurate quotes for your specific situation.

Can I bundle my home and auto insurance in CA?

Yes, many providers offer discounts when you bundle multiple policies. It’s one of the most effective ways to lower your total premium.

Do I need flood insurance in El Cerrito?

It depends on your home’s location. Standard policies don’t cover flood damage. If your home is in a flood zone, you may need a separate NFIP-backed or private flood insurance policy.

Are there home insurance policies for rental properties?

Yes. Landlord or rental dwelling policies cover the structure, liability risks, and may include loss of rental income coverage.

How do I compare home insurance quotes?

Reach out to several local providers listed on this page. Be sure to ask about deductibles, exclusions, replacement value vs. actual cash value, and available discounts.


Start Comparing Home Insurance Providers in El Cerrito, CA

Whether you're buying a new home or renewing your coverage, use this directory to explore local and national home insurance providers. Many offer free estimates, customizable policy options, and discounts for bundled services. Protect your investment with the right coverage tailored to your needs.