Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Parma, OH

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Parma Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

60Reviewed

42Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6701 Rockside Road, Independence, OH 44131

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

William Isaac Insurance Agency is a family-owned and operated company that's been serving clients in the Parma area since 1960. This independent insurance agency works with clients to help them select home insurance policies that cover them in case of damage, theft, injuries, or disasters that occur at their homes. Its team helps clients to determine what types of coverage to buy, as well as how much coverage they need.

  • Renter's Insurance
  • Condos

181 West Bagley Road, Berea, OH 44017

Expertise.com Rating

Review Sources

Facebook
4.3 (9)
Yelp
5.0 (3)

Why choose this provider?

King Insurance & Financial Services offers home insurance solutions for clients in Parma and throughout its nearby areas. This independent insurance agency is focused on helping families and individuals protect their financial health with policies from top carriers, such as Farmers, Nationwide, and Foremost Insurance Group. King Insurance also carries a variety of other personal insurance products. That includes vehicle, health, and life insurance. Additionally, this company provides financial and college planning services.

  • Fire
  • Multiple Policy Types

4254 E Lake Rd, Sheffield Lake, OH 44054

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Buckeye Insurance Partners serves clients in Parma and throughout its nearby areas. This agency helps clients obtain adequate homeowners insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their home. In addition to home insurance, the agency also sells auto, life, and business insurance policies. Buckeye Insurance Partners is a Trusted Choice Insurance Agency. Carrier partners include Progressive, Liberty Mutual, and Nationwide.

  • Personal Property Insurance
  • Multiple Policy Types

24610 Detroit Road, Westlake, OH 44145

Expertise.com Rating

Review Sources

Google
4.7 (16)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Roy H. Jones & Associates Insurance Agency inc. provides an array of personal insurance products for clients in the Parma area. The homeowners insurance policies this company sells offer options such as liability insurance, flood insurance, and earthquake insurance, protecting the financial health of policyholders regardless of accidents or disasters that occur on their properties. In addition to home insurance, Roy H. Jones & Associates also sells auto and business insurance products.

  • Earthquake
  • Flood

7585 Fredle Drive, Concord Township, OH 44077

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1989, Professional Insurance Management serves clients in Parma and throughout its metro area. This independent agency sells homeowners insurance, as well as auto, business, life, and health coverage. Its team of agents offers counsel to clients, helping them determine what types of coverage they need for their homes, as well as how much they should purchase. Agents then shop around from a variety of carriers to find policies that offer the best value.

  • Renter's Insurance
  • Flood
  • Earthquake

2190 East Enterprise Parkway, Twinsburg, OH 44087

Expertise.com Rating

Review Sources

Facebook
4.9 (51)
Google
4.8 (49)

Why choose this provider?

Located near Parma, Strachan-Novak Insurance Services serves homeowners and other property owners in the city and throughout its surrounding metro area. The company's agents work alongside top insurance carriers to sell clients policies that suit their coverage needs and their budgets. Some of the carriers this company works with include Progressive and Travelers. In addition to selling home insurance, Strachan-Novak Insurance Services also sells life, health, Medicare, and business insurance policies.

  • Renter's Insurance
  • Flood
  • Condos

6363 York Road, Parma Heights, OH 44130

Expertise.com Rating

Review Sources

Google
5.0 (139)
Facebook
5.0 (6)

Why choose this provider?

The Aramouni Agency is a family-owned business offering insurance solutions to Parma and surrounding communities. Its group of professionals provides homeowners' insurance services to protect its clients from risks to their residential properties. Its home insurance options cover property damage, wine collection, personal injury, theft, and collectible cars. They also offer auto and motorcycle, life and health, contractor, and medical office insurance options. The Aramouni Agency has more than 80 years of combined experience.

  • Multiple Policy Types

7252 Broadview Rd, Parma, OH 44134

Expertise.com Rating

Review Sources

Google
5.0 (61)
Facebook
5.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Vince Hrobat Insurance Agency, Inc., is a Parma-based insurance agency established in 1968. The company has a variety of insurance policies in its lineup, including homeowners' insurance. The homeowners' insurance allows clients to replace items they lose due to unexpected disasters. It also gives them protection from lawsuits in case someone gets injured in their homes. The agency offers two types of homeowners' insurance depending on the scope of its coverage.

  • Multiple Policy Types

5530 State Road, Parma, OH 44134

Expertise.com Rating

Review Sources

Google
4.7 (10)

Why choose this provider?

Hixson & Malinowski Insurance Agency is a local independent insurance agency located in Parma. It provides a wide range of insurance products like home insurance to help clients protect their investment. For homeownersø insurance, the agency presents various coverage options that are customizable and suitable for any budget range. These options are for condominium, homeowners liability, landlords, property, renters, and scheduled property insurance. Hixson & Malinowski Insurance Agency also serves Brooklyn, Cleveland, North Royalton, and Strongsville.

  • Renter's Insurance
  • Flood
  • Earthquake

22255 Center Ridge Road, Rocky River, OH 44116

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (16)

Why choose this provider?

Located near Parma, Hubbard Insurance Agency helps homeowners select insurance policies from an array of carriers. Its team of professional agents is committed to finding policies that offer the best value for its clients. Carriers it works with include Safeco Insurance, Erie Insurance, and Foremost Insurance Group. In addition to home insurance, Hubbard Insurance Agency also offers a variety of other personal insurance policies, including umbrella insurance and auto insurance.

  • Renter's Insurance
  • Condos

8015 Bertha Ave, Parma, OH 44129

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (4)

Why choose this provider?

Universal Insurance Company, Inc., is an agency that services homeowners in the Parma area that seek assistance in securing financial protection for their properties and valuables. The firm offers support in obtaining coverage for exterior and interior damages that result from covered risks such as fire, weather disasters, and vandalism. Universal Insurance Company also helps clients determine suitable policies for detached properties, contents, personal liabilities, and additional living expenses. The agency has approximately 30 years of experience in providing insurance services.

  • Flood
  • Personal Property Insurance

5835 Pearl Road, Parma, OH 44130

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (1)

Why choose this provider?

The agents at Four Star Insurance Agency Inc are dedicated to providing quality financial plans for Parma residents. The firm represents trusted insurance carriers, including Progressive, Safeco, and Foremost Insurance Group. Its professionals work closely with clients to help design plans that specifically tackle the risks associated with each home. They can help homeowners prepare for losses involving the structures on their properties and personal belongings. The firm's homeowners' insurance plan also covers additional living expenses during repairs or renovations.

  • Personal Property Insurance

5925 Ridge Road, Parma, OH 44129

Expertise.com Rating

Review Sources

Google
4.8 (32)
Yelp
5.0 (3)

Why choose this provider?

Pilat Insurance Agency, Inc. is an independent agency serving individuals, families, and businesses in the Parma area. The company has over 65 of experience in the industry, offering a wide range of insurance policies including homeowner's insurance. It represents carriers such as Safeco, Columbus Life, Hagerty, Travelers, and Met Life. The company's agents are trained to work closely with clients to determine their unique needs and to help them find the right insurance policy.

  • Multiple Policy Types

36966 Detroit Road, Avon, OH 44011

Expertise.com Rating

Review Sources

Google
5.0 (128)
Facebook
4.8 (18)

Why choose this provider?

Reed Allen State Farm Insurance Agent helps clients in Parma and throughout its nearby areas. This agency provides an array of insurance products, including home and other property insurance, auto insurance, and business policies. Additionally, its team sells mutual funds and annuities. Agent Reed Allen previously worked as an underwriter and has extensive knowledge of the claims process. He's qualified for several State Farm honors and awards. Reed Allen State Farm Insurance Agent is licensed to sell insurance products throughout Ohio.

  • Renter's Insurance
  • Multiple Policy Types

3691 Lee Road, Cleveland, OH 44120

Expertise.com Rating

Why choose this provider?

Brown Brown Insurance Service sells homeowners insurance policies for clients in Shaker Heights and throughout its nearby areas. This company shops for insurance policies from top carriers, including Foremost Insurance Group, Safeco, and Liberty Mutual. Its agents help clients determine which policies provide the best coverage, as well as the best value. In addition to selling insurance, Brown Brown also offers assistance with filing claims, as well as help with making policy changes.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

9695 Brookpark Road, Parma, OH 44129

Expertise.com Rating

Review Sources

Google
4.6 (54)

Why choose this provider?

Advantage Auto Insurance Agency, Inc., provides an extensive array of insurance options to homeowners and businesses in Parma and surrounding areas. The company helps individuals secure their homes and personal belongings against disasters and other unforeseen events with a homeowners insurance policy. Its licensed agents help clients select the right coverage among several insurance carriers that best serves their needs. These include structural damage, lost or stolen items, additional living expenses, and liability protection. Other offerings include renters, auto, recreational, life, business and commercial, and SR22 insurance.

  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
William Isaac Insurance Agency
6701 Rockside Road, Independence, OH 44131
King Insurance & Financial Services
181 West Bagley Road, Berea, OH 44017
Buckeye Insurance Partners
4254 E Lake Rd, Sheffield Lake, OH 44054
Roy H. Jones & Associates Insurance Agency, Inc.
24610 Detroit Road, Westlake, OH 44145
Professional Insurance Management
7585 Fredle Drive, Concord Township, OH 44077
Strachan-Novak Insurance Services
2190 East Enterprise Parkway, Twinsburg, OH 44087
The Aramouni Agency
6363 York Road, Parma Heights, OH 44130
Vince Hrobat Insurance Agency, Inc.
7252 Broadview Rd, Parma, OH 44134
Hixson & Malinowski Insurance Agency
5530 State Road, Parma, OH 44134
Hubbard Insurance Agency
22255 Center Ridge Road, Rocky River, OH 44116
Universal Insurance Company, Inc.
8015 Bertha Ave, Parma, OH 44129
Four Star Insurance Agency Inc
5835 Pearl Road, Parma, OH 44130
Pilat Insurance Agency, Inc.
5925 Ridge Road, Parma, OH 44129
Reed Allen - State Farm Insurance Agent
36966 Detroit Road, Avon, OH 44011
Brown Brown Insurance Services
3691 Lee Road, Cleveland, OH 44120
Advantage Auto Insurance Agency, Inc.
9695 Brookpark Road, Parma, OH 44129

FAQs

  • 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 is excluded from your homeowners insurance policy in Parma?

    Certain items are not covered by a standard Parma homeowners insurance policy. These include the following:

    • Surface water-induced flooding.
    • Earth movements, such as earthquakes, landslides, sinkholes, and mudslides.
    • Homeowner negligence, encompassing concerns like mold, rodents, carpenter ants, and termites.
    • Sewer backup.

    To address these particular exclusions, you can choose either to supplement your current policy with an endorsement or to obtain a separate policy.

  • Is burglary covered by your homeowners insurance in Parma?

    Your Parma homeowners insurance can help pay for the costs of restoring damage to your property caused by a burglary and provide you with reimbursement for your losses. However, it's still advisable to install a home security system in order to prevent burglaries. By doing so, you can also receive discounts from insurance companies.

  • What are the regulations governing homeowners insurance in Parma?

    While lenders in Parma can enforce insurance requirements, they cannot demand homeowners acquire coverage that surpasses the replacement value of their residence and its contents. Moreover, they are prohibited from forcing homeowners to purchase coverage exclusively from a particular insurance provider. While not legally mandated, homeowners insurance is still governed by specific rules.

  • What are the consequences of not having homeowners insurance in Parma?

    Failing to acquire the necessary homeowners insurance in Parma as mandated by your mortgage agreement will result in a default on your mortgage contract. If you've fully settled your mortgage or acquired your home without a loan, there is no obligation to obtain homeowners insurance, but you still remain exposed to risks in its absence.

  • What are the steps that you should take when seeking for homeowners insurance in Parma?

    When seeking a homeowners insurance plan in Parma, follow these steps:

    • Identify the most likely risks that your property faces, which will guide your insurance selection.
    • Assess your home's value, its contents, and potential impacts on surrounding items and people in case of damage.
    • Consult various insurance providers, comparing coverage, exclusions, and costs to avoid settling for the first option.
    • Combine your homeowners insurance with other policies to lower your premiums and receive discounts.
  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.