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Best Homeowners Insurance Agencies
2022

The Best Homeowners Insurance Agencies
Here Are The Top Homeowners Insurance Agencies
Braly Insurance Group

Braly Insurance Group

Braly Insurance Group is an independent agency that serves clients in Houston and the surrounding areas. The company has over 20 years of experience delivering personalized protection plans to individuals, groups, and businesses. The team write homeowners' insurance policies that cover natural disasters and hazards such as earthquakes, floods, fire, theft, and vandalism. It also offers personal lines for protecting specialty toys and collectibles from loss and damage. The agency is headed by Mark Braly, who is licensed in property, casualty, life, and health insurance.

The Woodlands, TX 77380

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David Cohen

David Cohen

David Cohen is a State Farm insurance agent that has been working in the Houston area for 31 years. He focuses on homeowners' insurance, renters' insurance, auto insurance, business insurance, and life insurance. He also guides clients in financial planning and decisions with mutual fund offers for their personal retirement, education savings, and business retirement. David Cohen supports the community by participating in activities like Quotes for Good to benefit charities and sponsoring cause-oriented events.

Houston, TX 77002

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Douglas B. Johnson Insurance Agency

Douglas B. Johnson Insurance Agency

Douglas B. Johnson Insurance Agency provides personal lines insurance to residents of Texas, including Houston. It offers homeowners' insurance policies that cover structures, personal belongings, and liability. The company also provides insurance for automobiles, businesses, and rental properties, as well as flood and umbrella policies. As an independent agency, it works with a number of carriers, including Safeco, Progressive, and Travelers, to provide risk management solutions that meet the needs of its clients. The agency has been in business since 2006.

Houston, TX 77018

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Associated Insurance Managers

Associated Insurance Managers

Homeowners in Houston, Texas, and its surrounding areas can rely on Associated Insurance Managers, an independent and locally-owned brokerage, to help them obtain suitable home insurance. The company's agents aim to help customers understand complicated insurance policies and save money by purchasing only the coverage they need. Associated Insurance Managers works with carriers such as Travelers, The Hartford, Progressive, and Dairyland Insurance to provide homeowners insurance policies, as well as auto, commercial, life, and health insurance.

Houston, TX 77079

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TGS Insurance Agency

TGS Insurance Agency

TGS Insurance Agency provides Houston residents with various personal insurance policies. With products ranging from homeowners' insurance to car and boat insurance, its professionals shop from over 30 different carriers to help clients find the coverage they need. They perform yearly insurance assessments to ensure the client's current policy still matches their requirements. TGS Insurance Agency participates in charitable events hosted by the Gulf Coast Regional Blood Center and Maddie's Mission.

Houston, TX 77092

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AJ Morales Insurance

AJ Morales Insurance

AJ Morales Insurance is an independent agency serving Houston. Speaking English and Spanish, the bilingual team helps people protect their homes and personal properties by presenting homeowners' insurance coverage options. The policy covers dwelling, other structures, loss of use, personal liability protection, and medical payments. The agency is partnered with multiple insurance carriers to provide clients with a selection of tailored options. Other insurance products include mobile home, auto, life, and general liability insurance.

Houston, TX 77037

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Barry Hoskins

Barry Hoskins

Barry Hoskins is a State Farm insurance agent that serves clients in Houston and nearby communities. He has been living in the city since 2008 and offers homeowners' insurance for first-time and seasoned residents. Barry uses his local knowledge of the area to help clients plan their policies to cover specific dangers, such as theft and flooding. He can process all home-related claims online and provide policyholders with ID cards. Barry manages two offices and is friends with many local business owners in the city.

Houston, TX 77007

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Ken Quach

Ken Quach

Ken Quach is a State Farm insurance agent who has been serving the Houston area and neighboring communities since 1999. He offers health and life insurance policies, and plans for automobiles, businesses, and homes. He also offers annuities, banking, and mutual fund services. Ken holds a bachelor's degree in Business Administration and was the president of the National Association of Insurance and Financial Advisors in 2008. He is also currently a volunteer of the Alief Super Neighborhood Program.

Houston, TX 77072

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Moon Insurance Agency

Moon Insurance Agency

Moon Insurance Agency is a full-service insurance company that serves clients in Houston and nearby metro areas. The firm assists individuals and families in acquiring adequate financial protection for their homes and their household contents against future disasters through a homeowners' insurance plan. The group offers a variety of coverage options from multiple providers, including structural damage, personal property losses, and personal liability. The firm also provides, auto, life, bond, final expense, and business insurance.

Houston, TX 77034

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Houston National Insurance of America

Houston National Insurance of America

Houston National Insurance of America is a financial services company that caters to clients in the local metro. The company offers homeowners insurance solutions and educates clients on coverages like personal property coverage. Clients can find tips about reducing annual premiums on the company's website. The company's other insurance products include auto, grocery store, commercial truck, and flood insurance. Mohammad "Jim" Junaid, the company's president, has over 20 years of experience in the insurance industry.

Houston, TX 77074

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Expert Answers To Common Questions:

  1. Introduction
  2. What determines the price of homeowners\' insurance premium?
  3. What is the difference between home warranty and homeowners\' insurance?
  4. Does Geico offer homeowners\' insurance?
  5. How long does homeowners’ warranty insurance last?
  6. Does homeowners’ insurance cover water heaters?
  7. Are RVs covered under homeowners\' insurance?
  8. Do new buyers need owner\'s title insurance on a new home?
  9. Do owner builders need home warranty insurance?
  10. Are dogs deaths covered in homeowners\' insurance?
  11. Are earthquakes covered in standard homeowners\' insurance policies?
  12. Are homeowners\' insurance and car insurance deductible?
  13. Are homeowners\' insurance payouts taxable income?
  14. How frequent should one change auto or homeowners\' insurance to another provider?  
  15. What should a homeowners\' insurance include/cover?
  16. How much homeowners\' insurance should someone carry?
Q: Introduction
A:
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.
Q: What determines the price of homeowners\' insurance premium?
A:
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.
Q: What is the difference between home warranty and homeowners\' insurance?
A:
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.
Q: Does Geico offer homeowners\' insurance?
A:
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.
Q: How long does homeowners’ warranty insurance last?
A:
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.
Q: Does homeowners’ insurance cover water heaters?
A:
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.
Q: Are RVs covered under homeowners\' insurance?
A:
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.
Q: Do new buyers need owner\'s title insurance on a new home?
A:
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.
Q: Do owner builders need home warranty insurance?
A:
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.
Q: Are dogs deaths covered in homeowners\' insurance?
A:
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.
Q: Are earthquakes covered in standard homeowners\' insurance policies?
A:
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.
Q: Are homeowners\' insurance and car insurance deductible?
A:
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.
Q: Are homeowners\' insurance payouts taxable income?
A:
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.
Q: How frequent should one change auto or homeowners\' insurance to another provider?  
A:
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.
Q: What should a homeowners\' insurance include/cover?
A:
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.
Q: How much homeowners\' insurance should someone carry?
A:
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.