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Best Homeowners Insurance Agencies in Huntsville

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American Insurance Agency logo
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American Insurance Agency

3013 Bob Wallace Ave, Huntsville, AL 35805
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  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

American Insurance Agency is a Huntsville-based firm that has been providing comprehensive insurance solutions since 1981. As an independent agent, the company works with different insurance carriers to help families, businesses, and individuals find deals that match their needs. Its insurance professionals assist homeowners in protecting their possessions from financial risks. They inform policyholders of home insurance coverage, including damages from disasters and legal liabilities for injuries, and walk clients through the process of claim applications and settlements.

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
4.4 / 5 (46)

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
Budget Insurance Agency logo
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Budget Insurance Agency

1505 Pulaski Pike, Huntsville, AL 35816
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

Budget Insurance Agency offers property damage coverage to homeowners in Huntsville. From losses to liabilities, the company's home insurance policy covers replacement or repair costs incurred from fires, theft, or vandalism, as well as medical expenses for guest injuries occurring within a client's premises. It also counsels clients on the scope of their coverage and factors that determine their policy decisions, including the cost of rebuilding and the process of filing a claim. Budget Insurance Agency also offers policies for condos, rental houses, and flood damage.

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.
4.1
Google
4.1 / 5 (99)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Burkett & Associates Insurance Agency, Inc. logo
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Burkett & Associates Insurance Agency, Inc.

2400 Bob Wallace Ave SW STE 206, Huntsville, AL 35805
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  • Flood
  • Multiple Policy Types
  • Multiple Carriers

Business Description

Burkett & Associates Insurance Agency, Inc. has provided personal and business insurance in the Huntsville area since 1991. They offer homeowners insurance policies, and as an independent insurance agency, they are able to show clients a wide range of choices with varying rates from different carriers. The coverage options include dwelling coverage, detached structure coverage, personal liability coverage, and additional living expense. The agency maintains a membership with the Strategic Insurance Agency Alliance.

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
5.0 / 5 (9)

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
Fields Insurance – Chattanooga logo
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Fields Insurance – Chattanooga

3206 Dayton Blvd Chattanooga , TN 37415, Chattanooga, TN 37415
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  • Multiple Policy Types
  • Fire

Business Description

Fields Insurance Chattanooga offers comprehensive homeowners' insurance policies in the Huntsville area and throughout Alabama. Its agents use a simple process to obtain quotes from top insurance carriers, including National General, Liberty Mutual Insurance, and Nationwide. They use their training and experience to provide clients with advice about coverage amounts and add-ons to their policies. Field Insurance is also authorized to sell insurance in five other states, including Florida and Tennessee.

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.
4.7
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail
GEICO logo
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GEICO

7595 Highway 72 West, Madison, AL 35758
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  • Personal Property Insurance

Business Description

GEICO is a full-service insurance agency that serves Huntsville residents. The professionals offer a wide range of services including home insurance. The agents insure homeowners' personal property such as clothing, furniture, and appliances. Also included in homeowners' insurance policies is protection for jewelry including diamond bracelets, wedding bands, and engagement rings. The insurance specialist also offers policies on renters' insurance, condo insurance, and mobile home insurance. GEICO's team of agents provides customer support 24 hours a day.

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.
4.3
Google
4.2 / 5 (145)
Facebook
5.0 / 5 (83)

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
Greater Chattanooga Insurance logo
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Greater Chattanooga Insurance

5506 Miller Drive, Chattanooga, TN 37411
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Greater Chattanooga Insurance offers insurance policies for homeowners in the Huntsville metropolitan area. This company is committed to finding adequate policies to protect its clients against financial hardship when disasters strike. Typical policies cover clients when events such as fire, storms, vandalism, or theft occur. In addition to homeowners insurance, this agency also offers an array of other products. That includes auto, watercraft, life, and commercial insurance coverage. Greater Chattanooga's carrier partners include SouthernTrust and The Hartford.

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
4.5 / 5 (26)
Facebook
4.7 / 5 (7)

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
Insurance Market logo
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Insurance Market

2021 Clinton Ave W, Huntsville, AL 35805
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Insurance Market is a firm in Huntsville that has been addressing insurance needs since 1957. This company partners with over 30 insurance carriers to aid homeowners and renters in finding appropriate coverage types for their investments. Its insurance professionals inform clients of coverage options and help ensure adequate financial protection in case of structural damage or loss due to coverable events. This financial risk mitigation also includes personal property loss and other expenses associated with covered damages.

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.
4.8
Google
4.8 / 5 (6)

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
Jon Peters Insurance logo
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Jon Peters Insurance

1017 Meridian Street North, Huntsville, AL 35801
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Jon Peters Insurance is a team of insurance professionals with an office in Huntsville. The agency offers a wide range of insurance services including homeowners' insurance. Home insurance policies include liability coverage, which helps protect clients against claims that involve personal injuries and property damage. Home insurance is also required by mortgage lenders. The agency's professionals work with various insurance carriers including Encompass, Hagerty, Travelers, and The Hartford. Jon Peters, the company's main agent, began his career in the industry in 2000.

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
5.0 / 5 (42)

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
Kilgro & Associates Insurance Agency logo
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Kilgro & Associates Insurance Agency

3315 Bob Wallace Ave Suite 104, Huntsville, AL 35805
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  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Renter's Insurance

Business Description

The insurance agency Kilgro & Associates, Inc., provides homeowners' insurance policies to clients in Huntsville. It helps landlords and homeowners protect their assets from premises liability and property damages caused by various types of disasters. It is partnered with various insurance carriers to provide options that can address the client's coverage requirements. Some of these insurance providers include Universal Property & Casualty Insurance Company, Zurich Insurance, and Heritage Insurance. The company also offers flood and auto 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.
4.7
Google
4.6 / 5 (35)
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

814a Palmer Road, Madison, AL 35758
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  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Legacy Insurance offers customized policies that cover property damage and liabilities for homeowners in Huntsville. An independent insurance agency, its coverage options secure costs for home repairs, lost valuables such as jewelry or electronics, living expenses, and medical expenses for parties injured on a client's premises. Legacy also provides insurance for other property types, including beach homes, high-value homes, rentals, vacation homes, and secondary residences. It offers other personal coverages such as condo, renters, and personal umbrella 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.
5.0
Google
4.9 / 5 (52)
Facebook
5.0 / 5 (10)

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
ramseyfamilyinsurance.com logo
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ramseyfamilyinsurance.com

5705 Marlin Road, Chattanooga, TN 37411
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  • Multiple Policy Types

Business Description

Ramsey Family Insurance provides home insurance and other personal insurance policies for clients in the Huntsville area. This agency is committed to helping its clients understand what their policies cover and how the claims process works. Agents provide quotes based on simple information obtained from the client before shopping around for comprehensive policies from top carriers. In addition to home insurance, Ramsey Family Insurance also provides solutions for renters, drivers, and business owners.

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.
4.4
Google
4.4 / 5 (74)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
River Tree Insurance logo
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River Tree Insurance

507 Drake Ave SW Suite D, Huntsville, AL 35801
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

River Tree Insurance has been providing insurance solutions to individuals and commercial enterprises in Huntsville since 2009. The agency is an independent insurance broker established by Brannon King, who followed his great grandparents' footsteps in the insurance industry. Its agents work and connect with multiple carriers to select the right policies depending on their clients' situation. Property insurance coverages include medical, protection of home and belongings, additional living expenses, and scheduled personal property. When renting homes, landlords can purchase liability coverage as well.

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
4.9 / 5 (29)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rocket City Insurance Group logo
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Rocket City Insurance Group

4040 Balmoral Dr SW, Huntsville, AL 35801
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  • Earthquake
  • Flood
  • Fire

Business Description

Rocket City Insurance Group is an independent insurance agency serving clients in Huntsville and the surrounding areas. Its 10-person team is equipped to assist individuals in choosing the right homeowners' insurance coverage for them. Home insurance agents connect with insurance companies and present policies to possible policyholders. The coverages under homeowners' insurance include property coverage, personal property, medical expenses, living expenses, and liability. Clients can also consider personal umbrellas and automobiles to their basic homeowners' policy.

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.
4.8
Google
4.8 / 5 (126)
Facebook
5.0 / 5 (11)
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
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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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