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Best Homeowners Insurance Agencies in Hoover

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Acceptance Insurance logo
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Acceptance Insurance

623 Bessemer Super Highway, Midfield, AL 35228
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Business Description

Located near Hoover, Acceptance Insurance provides homeowners policies for individuals and families in the city and throughout several states. This company employs more than 700 agents who are dedicated to helping clients find adequate coverage at affordable rates. In addition to homeowners' insurance, this agency also provides auto, pet, travel, and life insurance, as well as bundled policies that offer further financial savings. Agents offer basic assistance with claims, as well as detailed advice with regards to policy changes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Collins Insurance Agency, Inc. logo
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Collins Insurance Agency, Inc.

2200 Valleydale Road, Hoover, AL 35244
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire
  • Condos

Business Description

Collins Insurance Agency is an insurance agency servicing Hoover residents and businesses since 1953. It offers homeowners' insurance policies protecting homes and its contents from natural disasters as well as damage and losses from vandalism, fire, and theft. The standard policy includes common features including liability protection and personal property damage. The homeowners' insurance also covers condominiums, renters, mobile homes, farms, and rental homes. It also offers flexible options to protect homes and families.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.7 / 5 (15)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Legacy Insurance logo
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Legacy Insurance

2225 Cahaba Valley Drive, Birmingham, AL 35242
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Legacy Insurance has a wide array of personal and business insurance solutions in Hoover. This company understands the value of well-protected homes and helps homeowners protect their financial security through comprehensive home insurance plans. Its insurance specialists aid in assessing potential risks and offer coverage packages tailored to homeowners' needs. This coverage includes compensation for liability exposures, property repairs, and theft. Legacy Insurance also offers coverage options for mortgages, beach homes, rental dwellings, secondary residences, and high-value homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mike Walker - State Farm Insurance Agent logo
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Mike Walker - State Farm Insurance Agent

320 Lorna Square, Hoover, AL 35216
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  • Multiple Policy Types

Business Description

Mike Walker has been a State Farm insurance agent offering homeowners' insurance in Hoover since 2015. Walker helps property owners and renters protect their homes and personal properties in the event of disaster, theft, and vandalism. He also provides auto insurance, business insurance, life insurance, and health insurance, as well as additional coverage for fire, earthquakes, and other events that may not be automatically covered. Walker offers annuities through State Farm VP Management Corp.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (82)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
PAC Insurance Agency, Inc. logo
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PAC Insurance Agency, Inc.

3408 Lorna Ln, Hoover, AL 35216-5277
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  • Multiple Policy Types

Business Description

PAC Insurance Agency, Inc. is an agency that has been serving Hoover, Bessemer, and Roebuck for almost four decades. Its team of insurance representatives offers homeowners' insurance plans that match the financial needs of individuals and families. The plan is a package policy that covers legal responsibilities for any injuries at home and damages to the property caused by unexpected disasters such as fires, theft, and vandalism. The agency represents trusted carriers like Progressive, Travelers, National General, and Safeway Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (43)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Vivian Mora - State Farm Insurance Agent logo
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Vivian Mora - State Farm Insurance Agent

1848 Crestwood Blvd, Irondale, AL 35210
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Vivian Mora State Farm Insurance Agent is located near Hoover. Ms. Mora and her team make themselves available to clients by telephone 24 hours a day. They provide quotes and claims advice, ensuring that clients have access to the most up-to-date and reliable information about their insurance options. Vivian Mora State Farm Insurance Agent offers homeowners' insurance policies, as well as policies that cover clients' vehicles, businesses, health, and personal property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.6 / 5 (115)
Facebook
5.0 / 5 (8)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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