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Best Homeowners Insurance Agencies in Sioux City

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Dougherty & Associates, Inc. logo
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Dougherty & Associates, Inc.

Sioux City, IA
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  • Multiple Policy Types

Business Description

Dougherty & Associates Inc. is an insurance agency that has been serving the residents of Sioux City for over 20 years. The company's team represents a variety of insurance carriers, such as Allied Insurance, National General, and Safeco Insurance. The team works with clients to help them build personalized packages that cover their homes from damage due to rain, winds, fire, and smoke. The company also offers commercial, auto, and life insurance.

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
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Detail
egrinsurance.com logo
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egrinsurance.com

300 Main Street, Moville, IA 51039
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  • Multiple Policy Types

Business Description

EGR Insurance is a homeowners insurance agency that protects the property and assets of residents in the Sioux City area. The agency provides a range of coverage options suitable for liability purposes, renters, condo and mobile homeowners, landlords, and in-home business operators. EGR Insurance writes policies with inclusions for extras such as floods, earthquakes, and scheduled property insurance for valuable personal belongings. EGR Insurance consultants also provide insurance solutions to commercial customers.

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
Goodin Insurance Agency logo
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Goodin Insurance Agency

103 Virginia Street, Sioux City, IA 51101
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  • Multiple Policy Types

Business Description

Goodin Insurance Agency serves the insurance needs of the Sioux City community. The agency has been in the business since 2007 and offers a wide range of insurance options including homeowners' insurance. It has a team of agents with experience in determining the right policy that suits the unique needs of each client. These agents help homeowners protect their homes as well as the home's surroundings and its contents. They also offer landlord and mobile 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.
4.5
Google
4.4 / 5 (39)
Facebook
4.6 / 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
goreiner.com logo
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goreiner.com

3015 East 10th Street, Sioux Falls, SD 57103
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  • Multiple Policy Types

Business Description

Ryan Reiner is an insurance agent in Sioux City working with State Farm Insurance. The agent's team has over 50 years of combined experience working in the insurance industry, and it offers packages to cover clients' homes. The homeowners insurance policies also cover the contents of the buildings, as well as visitors who have been injured on the property. Additionally, Reiner sells life, business, car, and health care insurance packages.

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
Facebook
5.0 / 5 (21)

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 Express logo
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Insurance Express

423 South Minnesota Avenue, Sioux Falls, SD 57104
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  • Multiple Policy Types

Business Description

Insurance Express is a locally owned and operated insurance agency serving the residents of Sioux City. The independent agency works with a variety of insurance providers, such as Progressive, Foremost, and Safeco Insurance, in order to provide clients with a collection of homeowners insurance options. Its plans are designed to cover clients' homes in the event of natural disasters and vandalism. Additionally, the company sells health and dental, renters, 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.
5.0
Google
5.0 / 5 (9)
Facebook
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
McClintock Insurance Inc. logo
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McClintock Insurance Inc.

908 Pierce Street, Sioux City, IA 51102
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  • Multiple Carriers
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Business Description

McClintock Insurance Inc. has been catering to the insurance needs of residents and businesses in Sioux City for more than 55 years. The company assists individuals and families to protect their homes and personal belongings against tragedies through a homeowners' insurance policy. Its policies cover damages and losses due to fires, hurricanes, theft, vandalism, and other unfortunate events. Other services include auto, recreation, life and health, business, bonds, and events insurance policies. The company also serves clients in Mapleton.

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.
4.2
Google
3.7 / 5 (3)
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
Security Insurance logo
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Security Insurance

117 Pierce Street, Sioux City, IA 51101
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  • Multiple Policy Types

Business Description

Security Insurance is an insurance company that has been serving Sioux City and nearby areas for more than a decade. The firm provides financial relief to individuals and families through a homeowners insurance policy. Its licensed agents assist customers in selecting the right insurance policy from several carriers that can adequately offer protection for their homes, personal belongings, and legal liability in times of peril or unwanted events. Other offerings include auto, business, and specialty insurance plans.

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 (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
Sterne Akin - State Farm Insurance Agent logo
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Sterne Akin - State Farm Insurance Agent

5704 Sunnybrook Drive, Sioux City, IA 51106
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  • Multiple Policy Types

Business Description

Sterne Akin - State Farm Insurance Agent is a Sioux City-based insurance agency. It offers a variety of insurance policies, including homeowners' insurance. This type of insurance protects families from financial losses if their homes or belongings get damaged due to theft or insured disasters. It covers replacement costs for properties affected by earthquakes, landslides, floods, and volcanic eruptions. The agency provides professional guidance to homeowners to help them decide on the coverage they need.

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 (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
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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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