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Directory of home insurance agents in Needles, California. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
Needles, 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 Needles, 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.
Janet Jernigan
920 W Broadway St, Needles, CA 92363
(760) 326-4007
content.naic.org
Farmers Insurance Group
920 W Broadway St, Needles, CA 92363
(760) 326-4007
farmers.com
Nationwide Insurance: Mountain Pacific Insurance And Financial Services
121 F St Ste 2, Needles, CA 92363
(760) 326-5335
agency.nationwide.com
Jernigan Insurance
920 W Broadway St, Needles, CA 92363
(760) 326-4007
Nationwide Insurance: Carrie Bruggenwirth
1410 W Broadway St ste # a, Needles, CA 92363
(760) 820-4742
nationwide.com
A home insurance agent in Needles, California can help you find a policy that meets your needs and complies with state law. California requires insurers to offer earthquake coverage as an add-on to standard homeowners policies. An agent can explain local risks such as desert fire and flood exposure in the Colorado River area.
What Does a Home Insurance Agent in Needles Cost?
The average cost of homeowners insurance in California is around 1,200 to 1,800 dollars per year for a standard policy. In Needles, rates may be higher due to wildfire and extreme heat risks. Earthquake coverage adds 100 to 300 dollars per year on average. Actual costs depend on your homes value, location, and chosen coverage. 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 Needles do?
A home insurance agent helps you compare policies from different insurers. They explain coverage limits, deductibles, and exclusions. They also assist with filing claims and updating your policy as your needs change.
Do I need earthquake insurance in Needles California?
California law does not require homeowners to buy earthquake insurance. However insurers must offer it as a separate policy or endorsement. Given the seismic risk in the region, an agent can help you decide if this coverage is right for you.
How can an agent help with California insurance regulations?
California has strict rules about policy cancellations and non-renewals. An agent can explain your rights under the California Insurance Code. They can also help you find coverage if you live in a high-risk fire zone near Needles.
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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.