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Best Homeowners Insurance Agencies in Gainesville

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American Auto Insurance of Gainesville logo
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American Auto Insurance of Gainesville

603 Northwest 10th Avenue, Gainesville, FL 32601
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  • Multiple Policy Types

Business Description

American Auto Insurance of Gainesville offers coverage for homeowners and their properties. It handles any possible expenses caused by natural disasters like fire and storms, injuries of a visitor or tenant, and stolen belongings. The company's agents inspect the house and talk with customers about their budgets and concerns. They then tailor a coverage plan to fit each case and can include replacement or compensation for lost items. The company also covers for renters, mobile homes, and commercial clients.

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.
3.8
Google
4.0 / 5 (48)

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
––
Aubrey Rogers Insurance Agency, Inc. logo
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Aubrey Rogers Insurance Agency, Inc.

2400 Northwest 6th Street, Gainesville, FL 32609
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  • Multiple Policy Types

Business Description

Aubrey Rogers Insurance Agency, Inc., is an independent insurance brokerage serving Gainesville communities since 1982. It represents over 50 carriers offering various coverages. Its team addresses both personal and commercial insurance needs. The business offers comprehensive homeowner's insurance that covers loss or damage of properties and assets due to natural disasters, vandalism, and theft. It also includes liability protection and medical coverage and for injuries sustained by another person in the client's property. The company offers separate policies for flood or earthquake coverage.

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.
4.6
Google
4.6 / 5 (47)

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
Cotton’s All Lines Insurance, Inc. logo
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Cotton’s All Lines Insurance, Inc.

1222 Northwest 16th Avenue, Gainesville, FL 32601
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  • Renter's Insurance
  • Condos

Business Description

Cotton's All Lines Insurance, Inc. is an independent insurance company that has been assisting clients with insurance matters in Gainesville and the surrounding areas since 1973. Its agents help individuals compare available insurance coverages in the market. Homeowners' insurance policyholders can protect their families, homes, and belongings from certain accidents and disaster threats. The home insurance policy also covers medical expenses, additional living expenses, and personal property such as jewelry, art, and collectibles.

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 (108)
Facebook
5.0 / 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
Darr Schackow Insurance logo
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Darr Schackow Insurance

5200 West Newberry Road, Gainesville, FL 32607
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  • Flood
  • Personal Property Insurance

Business Description

Based in Gainesville, Darr Schackow Insurance services homeowners that seek to secure coverage for their properties and belongings. The agency helps clients determine suitable insurance policies and offers assistance for flood insurance and mortgage protection claims. Darr Schackow Insurance also helps clients obtain coverage for their valuables through replacement costs as well as specialty coverage for high-value belongings such as artwork, watches, and jewelry. The firm was founded in 2007 through a merger between the agencies of Ray Schackow and John Darr, Sr.

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 (398)
Facebook
4.9 / 5 (32)

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
King Insurance logo
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King Insurance

2321 Northwest 41 Street, Gainesville, FL 32606
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Founded in 1974, King Insurance is a locally-operated business assisting Gainesville customers with their insurance needs. The company provides expert advice and various insurance products ranging from auto, business, and home. The custom homeowners' insurance program serves as a client's protection from damages to belongings, structures, and even liabilities. Its agents assess customers' policies and adjust them when needed. The company also offers condo, in-home business, landlord, mobile home, and vacation rental home 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.
4.4
Google
4.6 / 5 (44)

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
McGriff-Williams Insurance logo
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McGriff-Williams Insurance

3501 West University Avenue, Gainesville, FL 32607
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

McGriff-Williams Insurance is a full-service financial and insurance company that has been serving the Gainesville metro area and nearby localities since 1983. The firm assists individuals and families in protecting their homes and personal possessions against accidents, disasters, and unforeseen circumstances through a homeowners insurance policy. Its licensed agents guide customers in choosing the right homeowners coverage, including dwelling and other structures, personal assets and liability, medical expenses for other people's injuries, and loss of use. Other personal insurance offerings include vehicle, health and life, and business coverages. The company also provides financial management services.

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 (85)
Facebook
4.9 / 5 (20)

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
Partners Insurance Agency logo
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Partners Insurance Agency

4040 West Newberry Road, Gainesville, FL 32607
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  • Fire
  • Multiple Policy Types

Business Description

Partners Insurance Agency helps Gainesville area residents ensure financial security for their homes in the event of a disaster. The agency guides clients through the process of identifying home insurance policies that cover replacement or repair costs due to damages or losses driven by fire, natural disasters, vandalism, or theft. Partners Insurance Agency also assists clients in securing medical expense coverage and liability protections for guests injured within their properties. The firm has over two decades of experience in the insurance business.

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
4.5 / 5 (8)

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
Ruz Ogra - State Farm Insurance Agent logo
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Ruz Ogra - State Farm Insurance Agent

3545 Southwest 34th Street, Gainesville, FL 32608
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Ruz Ogra works for State Farm as an insurance agent and helps clients in Gainesville and nearby communities. She coordinates with homeowners and finds an insurance plan that best addresses their needs and fits their budgets. Policies can cover any repairs or replacements needed due to storms, lightning, and fire damage. She can also facilitate additional coverage for earthquakes and flooding. Ruz Ogra and her staff have resided in Gainesville for years, giving them a familiarity with its risks and other residential concerns.

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 (13)
Facebook
5.0 / 5 (11)

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
Sunshine State Insurance Agency logo
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Sunshine State Insurance Agency

1111 Northwest 23rd Avenue, Gainesville, FL 32609
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  • Fire
  • Multiple Policy Types

Business Description

Sunshine State Insurance Agency is a family-owned and operated business providing insurance assistance to clients in Gainesville and nearby areas. Since 1971, its licensed agents help homeowner's insurance policyholders in rebuilding and remodeling their damaged properties. The cost of coverage depends on the company's named-perils policy and all-risk policy. Home insurance is created to safeguard homeowners and renters from disasters, accidents, and liabilities. Other services include auto, personal, and business 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.
4.8
Google
4.6 / 5 (36)
Facebook
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
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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