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Best Homeowners Insurance in San Clemente, CA

Updated October 2026 · Our Recommended Top 17

  • ✓Licensing
  • ✓User Reviews
  • ✓Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Clemente homeowners insurance on more than 25 variables across five categories and analyzed the results to give you a hand-picked list of the best.

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Reviewed
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19
Curated
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17
Top Picks
Learn about our selection process.

= Featured Provider

Featured provider

RatingsMatch Concierge

Best Homeowners Insurance Agency matching for San Clemente

Not sure which homeowners insurance agency to call? Tell us the job. We check the shortlist above against your timeline and budget and connect you with the right one, free.

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1

Safe Life Insurance Agency

Best Homeowners Insurance Serving San Clemente

232 Avenida Fabricante Ste 105, San Clemente, CA 92672

RatingsMatch Rating· 44/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation20/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (443)

2

Farmers Insurance - Lisa Newell

Best Homeowners Insurance Serving San Clemente

940 Calle Negocio Ste 220, San Clemente, CA 92673

RatingsMatch Rating· 44/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation20/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (295)

3

Divel Insurance

Best Homeowners Insurance Serving San Clemente

501 N El Camino Real Unit 204, San Clemente, CA 92672

RatingsMatch Rating· 43/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation19/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (123)

4

Withers Insurance Services

Best Homeowners Insurance Serving San Clemente

638 Camino De Los Mares, San Clemente, CA 92673

RatingsMatch Rating· 43/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation19/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (144)

6

Chris Ferraro Jr. - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

940 Calle Negocio Ste 230, San Clemente, CA 92673

RatingsMatch Rating· 43/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation19/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (190)

7

General Insurance Services

Best Homeowners Insurance Serving San Clemente

629 Camino De Los Mares Ste 306, San Clemente, CA 92673

gen-ins.comMap
RatingsMatch Rating· 42/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation18/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (130)

8

Caitlin Ferraro - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

940 Calle Negocio Ste 230, San Clemente, CA 92673

RatingsMatch Rating· 42/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation18/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (92)

9

Michele Ellena - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

940 Calle Negocio Ste 230, San Clemente, CA 92673

RatingsMatch Rating· 41/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation17/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (49)

10

Goosehead Insurance - Bobby Legate

Best Homeowners Insurance Serving San Clemente

946 Calle Amanecer Ste F, San Clemente, CA 92673

goosehead.comMap
RatingsMatch Rating· 41/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation17/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (71)

11

Chris Dolkas - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

800 E Avenida Pico Ste Q, San Clemente, CA 92673

RatingsMatch Rating· 39/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation15/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (35)

12

Greg Rosalino - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

1520 N El Camino Real #6, San Clemente, CA 92672

RatingsMatch Rating· 39/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation15/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (38)

13

Unity One Insurance

Best Homeowners Insurance Serving San Clemente

629 Camino De Los Mares #202b, San Clemente, CA 92673

RatingsMatch Rating· 39/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation15/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (36)

14

Kim Forsyth - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

802 Avenida Talega Ste 106, San Clemente, CA 92673

RatingsMatch Rating· 39/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation15/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (40)

15

Brynn Dorough - State Farm Insurance Agent

Best Homeowners Insurance Serving San Clemente

802 Avenida Talega Ste 106, San Clemente, CA 92673

RatingsMatch Rating· 39/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation15/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.9 (40)

16

AAA San Clemente Insurance and Member Services

Best Homeowners Insurance Serving San Clemente

638 Camino De Los Mares E100, San Clemente, CA 92673

ace.aaa.comMap
RatingsMatch Rating· 35/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation11/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 4.1 (162)

17

San Clemente Insurance Services

Best Homeowners Insurance Serving San Clemente

501 N El Camino Real #200, San Clemente, CA 92672

RatingsMatch Rating· 34/100Show details
  • Availability20/20
  • Licensing & credentials—
  • Reputation10/20
  • Experience4/20
  • Phone callNot yet shopped

Review sources · Google 5.0 (4)

How does RatingsMatch choose the best homeowners insurance in San Clemente?

We pull every homeowners insurance agency we can find serving San Clemente, then score each on five things: availability and service area, licensing and credentials, reputation across review sites, experience, and how they handle a real phone call. Only the top scorers make the list. Featured Providers pay for placement and are labeled; scores are never for sale.

Is it free to use the RatingsMatch Concierge?

Yes. Call or send the form and we match you with a homeowners insurance agency from this list at no cost. Featured Providers may pay RatingsMatch for placement, which is why they are labeled.

How does a homeowners insurance agency get listed?

Listings are earned, not bought. Claim your business at https://www.ratingsmatch.com/claim to correct details and add services. Featured placement is a separate paid option that never changes a rating.