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Best Homeowners Insurance Agencies in Davenport

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Hastings Insurance Solutions LLC logo
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Hastings Insurance Solutions LLC

872 Tanglefoot Lane, Bettendorf, IA 52722
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Hastings Insurance Solutions LLC sells homeowners insurance policies to clients in the Davenport metro area. It offers information on the various kinds of coverage available in these plans and guides clients as they shop rates and select policies. Plans typically cover the replacement costs of structures and any valuable items such as clothing, jewelry, or art pieces inside of homes. Hastings Insurance Solutions LLC offers renters insurance policies too. Automobile and motorcycle insurance policies are available.

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 (3)

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
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Detail
Independent Insurance Services, Inc. logo
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Independent Insurance Services, Inc.

3956 N Pine St, Davenport, IA 52806
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Independent Insurance Services, Inc., is an insurance agency in Davenport. Its home insurance generally covers properties from earthquakes, floods, hails, hurricanes, and other disasters. Properties may include the dwelling, other structures, personal belongings like furniture, or the loss of use. Other coverages that may be included in the policy are replacement cost and actual cash value. The agency also provides additional coverages that are optional, such as the building code upgrade or earthquake 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
4.8 / 5 (23)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jorgensen Insurance Agency logo
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Jorgensen Insurance Agency

2304 Jersey Ridge Road, Davenport, IA 52803
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  • Multiple Policy Types

Business Description

Jorgensen Insurance Agency has been servicing clients in Davenport for more than 20 years. Its products include life insurance, health insurance, medicare plans, and homeowners' insurance. Its homeowners' policy covers the property, including personal items in the event of loss through theft or damage. It will also cover liability and medical expenses when someone claims to have been injured inside the said property. The insurance plan also includes living expenses incurred when the client has to live away while their house is being rebuilt.

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 (17)

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
Kerry Stoudt - State Farm Insurance Agent logo
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Kerry Stoudt - State Farm Insurance Agent

4010 38th Avenue, Moline, IL 61265
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  • Multiple Policy Types

Business Description

Kerry Stoudt, State Farm Insurance Agent, has provided insurance services for over 30 years and assists clients who need to purchase homeowners insurance. Its founder and his team answer questions that clients have about policies and advise them on which policies can cover their biggest risks. Liability insurance plans are available to protect clients who have had others harmed on their properties. Kerry Stoudt, State Farm Insurance Agent, sells auto insurance 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.
4.4
Google
4.4 / 5 (33)
Facebook
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
melfosterinsurance.com logo
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melfosterinsurance.com

3218 East 35th Street Court, Davenport, IA 52807
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

Mel Foster Insurance has been providing insurance products and services to Iowa and Illinois locals since 1932. It offers homeowners' insurance policies to Davenport residents looking for insurance protection for their residential properties. Its homeowners' insurance policies provide coverage for the dwelling and other structures, personal property, loss of use, medical expense, family and personal liability, and scheduled personal property. Clients may request quotes via the agency website and an agent will get in touch with them to present customized coverage options.

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
4.0 / 5 (13)
Facebook
5.0 / 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
Nelson Brothers Agency logo
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Nelson Brothers Agency

940 Lincoln Road, Bettendorf, IA 52722
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

Nelson Brothers Agency has been in the insurance industry for more than three decades. This independent company is affiliated with reputable carriers that can help families and individuals in Davenport prepare for unforeseen circumstances that may put their homes and belongings at risk. The professionals at this firm guide clients in selecting a policy that best suits their needs, such as protection against vandalism or non-resident damages. Nelson Brothers Agency also carries insurance products for manufactured 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.
4.4
Google
4.1 / 5 (30)
Facebook
4.8 / 5 (25)

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
––
Pete Beckman Insurance logo
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Pete Beckman Insurance

1980 Spruce Hills Dr, Bettendorf, IA 52722
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

Pete Beckman Insurance sells homeowners insurance policies and assists clients with the purchase of them and any needs related to claims. Its policies typically pay for any damage caused to the structures of homes, any liabilities associated with the land, and any destruction or loss involving personal possessions. Pete Beckman Insurance responds to claims that clients make and mediates any inspections or policy payouts from insurance carriers. Auto insurance and business insurance policies are available.

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 (16)
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
Vibrant Credit Union logo
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Vibrant Credit Union

4000 Avenue Of The Cities, Moline, IL 61265
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Vibrant Credit Union sells homeowners insurance near Davenport who need to protect themselves from possible financial loss. Its agents help homeowners to compare rates and purchase policies from available carriers. The agency provides quotes and explains the types of coverage that are available to clients who need to insure their dwellings, possessions, additional structures, and themselves against lawsuits. Vibrant Credit Union also insures several kinds of automobiles, motorcycles, and recreational vehicles, and it offers life insurance too.

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.
3.9
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
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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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