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Find Home Insurance Agents Near You in Lemon Grove, CA
Looking for a home insurance agent in Lemon Grove? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Lemon Grove, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 5 home insurance agents in Lemon Grove, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Fred Loya Insurance
7285 Broadway, Lemon Grove, CA 91945
(619) 668-8530
fredloya.com
Marisol Trujillo: Allstate Insurance
7227 Broadway Ste 102, Lemon Grove, CA 91945
(619) 589-0041
agents.allstate.com
Royalty Insurance Services
7951 Broadway, Lemon Grove, CA 91945
(619) 463-4500
Daris Hochwender - State Farm Insurance Agent
7733 Palm St Ste 212, Lemon Grove, CA 91945
(619) 464-0389
statefarm.com
ERO Insurance
2411 Vernon Rnch Wy, Lemon Grove, CA 91945
(619) 318-2373
eroinsurance.com
Home insurance agents in Lemon Grove California help homeowners find coverage that meets state requirements and local risks. California law requires insurers to offer earthquake coverage as an add-on to standard policies. Agents in Lemon Grove can explain how wildfire zones near San Diego affect your premium and coverage options.
What Does a Home Insurance Agent in Lemon Grove Cost?
Typical home insurance costs in California range from 800 to 2000 dollars per year for a standard policy. Factors include home value location age of the home and claims history. Lemon Grove rates may be slightly lower than coastal San Diego areas but higher than inland desert regions. Earthquake insurance adds 100 to 800 dollars annually depending on the deductible and structure. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Lemon Grove do?
A home insurance agent helps you compare policies from different carriers to find coverage for your property. They explain deductibles liability limits and additional living expense coverage. Agents also assist with claims filing and policy changes after a loss.
Is earthquake insurance required for homes in Lemon Grove?
Earthquake insurance is not required by California law but insurers must offer it as a separate policy or endorsement. Lemon Grove is in a seismically active region so many homeowners choose this coverage. The California Earthquake Authority provides state-backed policies through local agents.
How do California wildfire risks affect home insurance in Lemon Grove?
Lemon Grove is not in a high wildfire severity zone but nearby areas can influence availability and pricing. California law restricts non-renewals in wildfire disaster areas for one year after a declared emergency. Agents can help you find coverage if your property is in a brush risk zone.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.