Downey has 110,939 residents in 34,876 households. We list 14 insurance agencies in Downey. Here is what the local numbers say about the cover people here need.

Downey at a glance

14insurance agencies listed
48.9%of households rentRenters insurance
$796,600median home valueHome insurance
1959median year homes were builtRebuild cost calculator
5.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Los Angeles County

FEMA rates the overall natural hazard risk in Los Angeles County, where most Downey agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
WildfireVery High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Downey
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Downey
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Downey

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Downey agencies work with

Of the 11 Downey agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna4 agencies
Progressive4 agencies
UnitedHealthcare4 agencies
Foremost3 agencies
Humana3 agencies
Medicare Advantage3 agencies
SCAN Health Plan Texas,3 agencies
Cariten Health Plan2 agencies
Centene2 agencies
CHA HMO,2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Downey agencies can write

Share of the 14 agencies listed in Downey that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Downey agencies are

Downey agencies we list sit in 4 ZIP codes, mostly in Los Angeles County.

902405 agencies
902414 agencies
902424 agencies
902391 agency

Questions

Insurance agencies in Downey

How do I find an insurance agency in Downey?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Downey?

Most often home, auto, motorcycle, boat, rv & motorhome. Pick a type in the filters to narrow the list.

Which insurance companies do Downey agencies work with?

Among the 11 Downey agencies whose appointments we hold, the companies they are most often appointed with are Aetna (4), Progressive (4), UnitedHealthcare (4), Foremost (3), Humana (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Downey?

FEMA's National Risk Index rates inland flooding risk in Los Angeles County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Downey?

48.9% of households in Downey rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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