Hammer Insurance Review: Pros and Cons (2024)

As a small company that started in Rialto, California, Hammer insurance has since expanded to 10 different locations in the state. The agency has been in business for over 18 years, and it makes sense that they offer a variety of insurance products, including home, auto, and business insurance.


While the company is still new, the few ratings about them on Yelp and BBB are mostly positive, which partially shows the company might be trustworthy in its offerings.

Hammer tries to compare multiple quotes for you from several partner insurance companies according to your coverage needs and driver profile, and then matches you with the one that’s a good fit.


There is also a discount on auto and home insurance for those who bundle the respective insurance products with other policies. This also comes with flexible installment options.

Unfortunately, Hammer’s coverage is quite limited, as they primarily concentrate in the southern region of California. As a result, people residing in other areas might find it difficult to access their services.

In our review of Hammer insurance, we will break down the agency’s auto, home, and business insurance, including their coverage options. We will also examine the prospects of the company to determine if it would be an ideal choice for you.



  • A+ rating on the Better Business Bureau
  • Discounts when you bundle policies
  • Positive reviews online
  • Variety of coverage options


  • Policies can only be obtained through an agent
  • No mobile app
  • Few reviews about the company
  • Limited availability


The California-based insurance agency was founded in Rialto in 2004 and currently sells auto, business home, and motorcycle insurance.

Need ridesharing coverage for your business? check our review of » Toggle car insurance

State availability

Hammer insurance is only available in the state of California, particularly the southern region of the state.

Hammer car insurance coverage

Hammer offers the following standard types of auto insurance coverage:

  • Liability coverage: This liability coverage pays claims for those whom you have injured or killed in a car accident for which you were responsible.
  • Comprehensive: This covers you against damages like hail, theft, fire, vandalism, and more. There is an applicable deductible under this coverage.
  • Collision: If your car sustains a collision with another driver or car, the collision coverage will help repair or replace your car if it is beyond repair.
  • Rental reimbursement: Rental reimbursement coverage pays for transportation expenses while your car is repaired.
  • Towing reimbursement: If your car breaks down and needs to be towed to any nearby repair shop, this will cover the costs involved in the process.
  • Medical payments: This will cover your medical fees up to the amount provided in your policy if you or others are injured in a car accident. The medpay policy covers funeral costs, injuries to you in another driver’s car, or if you get hit by a car while outside.
  • Uninsured motorist bodily injury: If you and others in your vehicle get injured by a driver without insurance, this coverage will help you pay up to the amount set in your policy. This will pay up to $3,500 if you are hit by an uninsured biker.
  • Roadside assistance: Hammers’s roadside assistance includes cover for emergency supplies of fuel, towing, flat tire assistance, battery assistance, and lockout service.

Auto insurance discounts

Hammer does not offer a variety of ways to save on auto insurance. But you can get a discount when you bundle your car policy with other policies, like home.

Hammer car insurance rates

Since Hammer operates as an agency, getting the actual or even average rates for their car insurance becomes difficult.

To find out how much you will pay, start by obtaining a quote on the website. This can be done by providing your zip code and other personal information, like your phone and Gmail. You will be sent a follow-up message where you can begin the quoting process with an agent.

You will then be matched with an accurate quote according to your coverage needs and profile.

Also check our review of » Bridger insurance

Hammer home insurance coverage

While Hammer does not explicitly reveal what is covered under its homeowners insurance, here is what generally comes standard with the policy:

  • Personal property: This will pay to repair or replace your damaged belongings like clothes, furniture, electronics, and similar items.
  • Dwelling coverage: If the physical structure of your home, including roofs, walls, etc., gets damaged, this will cover the repair or replacement costs.
  • Loss of use: also known as additional living expenses, will pay for the costs you incur for accommodations, meals, and other expenses if you can’t live in your home due to repairs after a covered loss.
  • Personal liability: Personal liability will cover damages caused by you to other people or their property, including legal fees if you get sued.
  • Medical payments: This will cover injuries sustained by guests in your home, regardless of who is at fault. This includes payment for medical bills and other minor treatments.
  • Other structures: This extends coverage to other structures you own that are not connected to your home, like shreds, garages, and fences.

Like what comes standard with their homeowners insurance, Hammer does not provide details regarding optional add-ons on its website.

But you can talk to an agent to find out more if you need extras.

Home insurance discounts

Discounts are only available for homeowners who bundle their policies. Example: bundling home with car insurance.

hammer business insurance

Hammers’ business insurance ensures all-around protection for companies and their workers. From business income insurance and professional liability insurance to workers compensation coverage.

Here are the basic business coverage options entities can get from Hammer:

  • Professional liability insurance
  • Business income insurance 
  • Commercial auto policy
  • Commercial flood insurance
  • Workers’ compensation
  • Cyber Liability
  • Commercial umbrella insurance
  • Employment practices liability

Business insurance discounts

Hammer also offers policyholders here discounts when they have multiple policies with them.

Other insurance offered by Hammer

Other than the above-mentioned insurance, Hammer also provides motorcycle insurance, which typically features coverages similar to car insurance like liability, medpay, collisions, underinsured and uninsured motorist coverage, and roadside assistance.

This also includes business vehicle insurance, which provides coverage for vehicles used for business purposes.

Hammer also helps in facilitating DMV registration, and according to them, they will renew your driving license without delay.

Also check our review of » Onward car insurance (for California residents)

Hammer insurance locations

Based on the information obtained from the website, Hammer is available in the following locations in California:

  • Rancho Cucamonga (4 offices)
  • Monte, California
  • Fontana, California
  • Moreno Valley, California
  • Ontario, California
  • Victorville, California
  • Panorama City, California
  • Perris, California
  • Rialto, California
  • Riverside, California
  • San Bernardino, California

Hammer Insurance reviews and ratings

Here are the little reviews from popular sites we found for Hammer.

Reviews on Yelp

On Yelp, Hammer was rated 5 out of 5 stars, with most customers expressing satisfaction with the swift and assistive support gotten from their customer representative.

Reviews on BBB

While we saw no review left on the Better Business Bureau website for Hammer Insurance Services, Inc., they currently hold an A+ rating on the site, which is the highest possible rating, along with a BBB-accredited status.

For their AM Best ratings, Hammer does not have one since insurance agencies generally sell insurance policies on behalf of other insurance companies with whom they partner. The credit score will be determined by the associated carrier with which you are being matched.

How to obtain a quote

You can directly purchase a policy through the Hammer website. Begin by providing your ZIP, and an agent will get in touch with you.

You can also reach out to their support team by sending an email to [email protected].

Our Verdict

Hammer may be a new company, but online reviews speak highly of them. Additionally, their A+ rating on BBB shows that they have the trust and integrity to meet customer demands. According to Hammer, you won’t see any potential premium increase.

Hammer insurance has received great online ratings but as a young company, it’s important to keep an eye on it to make sure it’s trustworthy.

But to get the best coverage and rates for insurance, you can also compare insurance from different providers.

Frequently Asked Questions (FAQs)

How to submit a claim

Hammer’s website does not include a claims section, so you can consider calling their phone support at (909) 342-1203 to seek help regarding claims submission. Alternatively, policyholders can reach out to the company via email.

Can I cancel my policy anytime with Hammer for free?

Yes, you can cancel your policy anytime with Hammer; however, you will be charged a cancellation fee. In a bid to minimize these flat fees, Hammer recommends you opt for a short-term policy where their agents can write a month-to-month policy for you.

Is Hammer a good company?

Yes, Hammer is a legit insurance agency with offices in over 10 locations in southern California.

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