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    • Auto and Homeowners Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Fleet Insurance
      • Garage Insurance
      • Handyman Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
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      • Equipment Insurance
      • Errors and Omissions Insurance
      • Fidelity Bonds
      • General Liability Insurance
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
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      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
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Home > Homeowners Insurance - Oakdale CA & Modesto CA - Stewart Kriese Insurance Agency, Inc.

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Homeowners Quote Form

Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Property Loss Claim Form
Request Evidence of Insurance

Homeowners Insurance Information

Protect Your Home and Everything In It.  

Buying a home is a major investment. Over the years, add in maintenance costs, possessions and upkeep, and you have a costly investment.  

Homeowners insurance, also known as home insurance, is a form of property insurance policy that provides coverage for a private residence. A homeowners policy typically covers losses and damages to your personal residence, as well as furnishings and other assets within your home.  

If you harm someone else or damage their property, homeowners liability insurance can compensate them. Coverage often pays for incidents on or off your property. 

Most mortgage lenders will require a homeowners insurance policy. 

What does home insurance cover?

As mentioned earlier, homeowners liability is just part of a comprehensive homeowners insurance plan. Other important areas of coverage include: 

  • Structure protection: Insures your house, garage and often detached buildings on the property. Often provides coverage in case of damage from fires, weather, theft or other hazards.

  • Possessions insurance: Pays for damaged belongings. Protection might cover everything from food in the pantry to computer systems.

  • Liability coverage: Additional expense protection: Do you need to move out temporarily after an accident? Let this coverage reimburse you for expenses such as dining or hotel bills.


Your homeowners insurance policy may not cover flood or earthquake damage. Talk with your insurance agent about these types of coverage. 

Are all kinds of home insurance alike?

Your home is unique, from its shape and size, to the materials used to build it. In addition, your possessions have wide-ranging values. Any loss is costly, so you’ll want to maximize your benefits.  

  • Ensure you have enough structure protection to rebuild the home. Keep in mind, the construction value differs from the cost to buy a new home.

  • Ask your insurance agent to adjust your possessions coverage to match the full value of your belongings as closely as possible. That way, you’ll have fewer limitations when making a claim. Keep in mind, some policies will limit how much they pay per item.

  • Your policy likely includes a deductible on damage. It’s a good idea to take as high a deductible as you can manage—this may lower your premium cost.


Homeowners coverage is critical to your overall financial well-being. Having a policy means you don’t have to pay for covered home damage in-full, out of pocket.  

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100 Laurel Ave.
Oakdale, CA 95361

P: 209-847-8025 | Fx: 209-847-6810 | contact@stewartkriese.com
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