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Best Homeowners Insurance Agencies in Texas

Our Recommended Top 14

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Texas 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.

16846Reviewed

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14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Texas
Corpus Christi

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (3)

Why choose this provider?

Insure Solutions Group provides the best insurance plans in Texas. It offers various cheap personal protection products, including homeowners' insurance. The independent agency crafts customized personal property, liability, and additional living expense coverage plans. Its specialists assist policyholders in filing claims to secure reimbursements for medical costs and structural damage. They also process renters', flood, auto, and motorcycle insurance. In addition, they serve business owners who want to acquire workers' compensation and cyber liability plans. Insure Solutions Group represents multiple carriers, including Foremost, Chubb, and Encompass.

Best Homeowners Insurance Agencies Serving Texas
Corpus Christi

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.8 (4)

Why choose this provider?

Star Advantage Insurance is a locally owned and operated company that caters to individuals and families in Texas. It provides cheap personal protection plans, helping clients obtain homeowners' insurance. This type of insurance covers policyholders' medical costs and personal properties in case of unforeseen events like fire, hail, theft, and vandalism. The independent agency also writes policies for townhomes, condominiums, recreational vehicles, and motorcycles. In addition, its agents process workers' compensation, contractors' liability, and surety bond insurance. Star Advantage Insurance has been in operation since 2005.

Best Homeowners Insurance Agencies Serving Texas
Houston

Expertise.com Rating

Why choose this provider?

The Vanguard Agency offers the best insurance products in Texas. It processes homeowners' insurance plans, which include personal liability, dwelling, and loss of use coverage. This type of insurance protects individuals and families from unforeseen events like theft, vandalism, and natural disasters. The independent company also helps clients acquire other personal policies, such as life, classic car, motorcycle, earthquake, and flood insurance. It works with CNA, Chubb, Progressive, Safeco, and Travelers. Principal agent Humberto Garcia has been in the industry for over 15 years.

Best Homeowners Insurance Agencies Serving Texas
Arlington

Expertise.com Rating

Why choose this provider?

Cecy Diaz Win is a State Farm insurance agent who caters to individuals and families in Texas. She processes the best personal protection products, which include homeowners' insurance. She furnishes personal property and liability, helping policyholders file claims to secure reimbursements for structural damage and physical injuries due to natural disasters and theft. The specialist also writes life, health, auto, motorcycle, and pet medical insurance. In addition, Win provides retirement and investment planning solutions. She offers services in Urdu and Spanish.

Best Homeowners Insurance Agencies Serving Texas
Austin

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Insurance City provides the best risk management solutions in Texas. It furnishes a variety of personal protection products, which include homeowners' insurance. The independent agency writes customized personal property, loss of use, replacement cost, and liability coverages. It assists policyholders in securing reimbursements for physical injuries and property damage due to fire and theft. In additon, the agency offers auto and life insurance. Insurance City represents over 50 carriers, such as Kemper, Travelers, The Hartford, and Empower.

Best Homeowners Insurance Agencies Serving Texas
Plano

Expertise.com Rating

Why choose this provider?

Chelsea Terry operates the best State Farm agency in Texas. She helps families and individuals acquire the best homeowners' insurance plans to protect them from unforeseen events like hail, fire, vandalism, and theft. This insurance cover policyholders' medical expenses and personal valuables, including pieces of jewelry and art collectibles. The insurance specialist also furnishes other personal protection policies, such as health, life, auto, motorcycle, and renters' insurance. In addition, she provides investment and retirement planning assistance. She is fluent in Spanish.

Best Homeowners Insurance Agencies Serving Texas
Plano

Expertise.com Rating

Why choose this provider?

Michael Fortado has been operating the best State Farm agency in Texas since 2019. He offers various personal protection plans, which include homeowners' insurance. He furnishes personal property and liability coverages to secure reimbursements for structural damage and medical costs in case of fire, theft, and vandalism. The insurance agent also processes life, health, pet medical, auto, and motorcycle insurance. Fortado was given the Agent Aspirant of the Year Award in 2016. He accommodates clients who speak Spanish.

Best Homeowners Insurance Agencies Serving Texas
College Station

Expertise.com Rating

Why choose this provider?

Jeff Hamilton is an insurance agent who provides the best risk management solutions in Texas. He writes homeowners' insurance plans, which include liability, personal property, and additional living expense coverages. This type of insurance protects policyholders from financial losses caused by unexpected events like fire, hail, theft, and vandalism. The specialist also offers other personal protection products, such as health, life, motorcycle, and auto insurance. Hamilton has been a part of State Farm for more than two decades.

Best Homeowners Insurance Agencies Serving Texas
Garland

Expertise.com Rating

Review Sources

Google
4.9 (133)
Facebook
5.0 (14)
Yelp
3.8 (8)

Why choose this provider?

Ashley Orf is an insurance specialist who offers the best services in Texas. She serves individuals and families who want to purchase cheap homeowners' insurance plans. She processes personal property and liability coverages to protect clients from financial losses in case of perils like theft, vandalism, and fire. The agent also provides other personal insurance products, which include health, life, renters', auto, and motorcycle policies. In addition, Orf deals with estate planning. She can provide services in Spanish.

Best Homeowners Insurance Agencies Serving Texas
Houston

Expertise.com Rating

Review Sources

Google
4.9 (243)
Facebook
5.0 (22)
Yelp
4.1 (7)

Why choose this provider?

David Cohen is an insurance specialist who serves individuals and families in Texas. He provides a variety of cheap personal insurance products, including homeowners' insurance. He and his team write the best coverage plans to help clients secure reimbursements for physical injuries and property damage caused by fire, theft, and vandalism. They also offer life, health, and auto insurance. Cohen has been a part of State Farm for over three decades. His agency was nominated for the State Farm Crystal of Excellence Award.

Best Homeowners Insurance Agencies Serving Texas
Corpus Christi

Expertise.com Rating

Review Sources

Google
4.7 (6)
Facebook
5.0 (5)

Why choose this provider?

Sage Choice Insurance offers risk management solutions in Texas. Its array of the most affordable personal protection products includes homeowners' insurance. The independent company writes customized policies to protect families and individuals from financial losses due to perils like natural disasters and theft. It helps policyholders secure reimbursements for structural damage and missing valuables. It also furnishes coverages for condominiums and cars. Additionally, Sage Choice Insurance serves business owners who want to obtain BOP and workers' compensation insurance.

Best Homeowners Insurance Agencies Serving Texas
Corpus Christi

Expertise.com Rating

Why choose this provider?

Drew Becquet operates the best State Farm agency in Texas. He offers a wide selection of insurance products, which include homeowners' policies. He furnishes personal property and liability coverage plans to protect individuals and families from financial losses due to unforeseen events like theft, vandalism, and natural disasters. The agent also provides other personal plans, such as health, life, motorcycle, and auto insurance. In addition, Becquet processes various types of commercial insurance. He serves as a board member of the Coastal Bend Home Builders Association.

Best Homeowners Insurance Agencies Serving Texas
Houston

Expertise.com Rating

Why choose this provider?

Founded in 2009, Rafail Insurance Agency provides the best services in Texas. It offers risk management solutions, helping individuals and families obtain homeowners' insurance. This type of insurance includes personal property, liability, and loss assessment coverages. The independent company also writes policies for townhouses, condominiums, farms, and ranches. Additionally, its agents process builders' risk and workers' compensation insurance. President and principal broker Mark Rafail was given The National Academy For Best-Selling Authors Award in 2013.

Best Homeowners Insurance Agencies Serving Texas
Houston

Expertise.com Rating

Why choose this provider?

Baxter Insurance Agency Inc. offers the best services in Texas. It processes various personal protection products, which include homeowners' insurance. The independent company provides customized policies to protect individuals and families from monetary losses in case of unforeseen events like theft, vandalism, and natural disasters. Its specialists also furnish flood and car insurance. They have access to multiple carriers, such as Progressive, Safeco, Foremost, Travelers, and Allstate. Baxter Insurance Agency has been in the industry for over three decades.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insure Solutions Group
3426 South Alameda St, Corpus Christi, TX 78411?
Star Advantage Insurance
15201 S. Padre Island Dr. Suite 140, Corpus Christi, TX 78418
The Vanguard Agency
2190 N Loop W, Houston, TX 77018
Cecy Diaz Win
5860 S Cooper Street Suite 101, Arlington, TX 76017
Everstone
6915 McNeil Dr., Austin, TX 78729
Chelsea Terry
3227 Independence Parkway, Plano, TX 75075
Michael Fortado
3020 Legacy Drive Suite 190, Plano, TX 75023
Jeff Hamilton
4058 Texas 6 Frontage Road, College Station, TX 77845
Ashley Orf
3443 W Campbell Road Suite 200, Garland, TX 75044
David Cohen
3401 Louisiana Street, Suite 330, Houston, TX 77002
Sage Choice Insurance
6262 Weber Rd. Suite 216, Corpus Christi, TX 78413
Drew Becquet
6019 S Staples Street, Corpus Christi, TX 78413
Rafail Insurance Agency
3311 Richmond Ave, Ste. 350, Houston, TX 77098
Baxter Insurance Agency Inc
450 N. Sam Houston Pkwy. E. Ste. 103, Houston, TX 77060

Texas Homeowners Insurance Agency FAQs

  • What is the assignment of benefits in Texas homeowners' insurance policies?

    Instead of demanding cash up front, some contractors accept an assignment of benefits, which is a legal agreement that allows you to assign a portion or all of the benefits under your Texas homeowners insurance to them. With an assignment of benefits in place, the contracting firm can directly enforce its payment right and even sue your insurance company.

  • Would your homeowners' insurance pay to repair your car if your garage in Texas was damaged?

    Texas homeowners' insurance does not cover a car that is destroyed inside a garage due to a covered peril. Instead, your homeowner's insurance policy may cover the cost of replacing the contents of the wrecked vehicle. Your vehicle would be covered by your auto insurance's comprehensive coverage, which covers damage other than collisions, such as incidents involving weather, fire, and theft.

  • What can you do if no insurance company in Texas would provide you coverage for your home?

    If no other insurer will provide coverage, the Texas FAIR Plan Association and out-of-state surplus lines insurance companies may be able to help. However, because the FAIR Plan and surplus lines coverage are significantly more expensive than traditional insurance due to the higher risks involved, you may want to exhaust your list of available providers.

  • Are solar panels covered under homeowners' insurance in Texas?

    Yes, solar panels attached to your home's structure are covered by the dwelling coverage of a Texas homeowners policy for damage caused by an indemnified peril. Other structure coverage extends to damaged solar systems that are not attached to your house, such as ground-mounted panels. If you are unsure whether your policy provides adequate protection, you should speak with your insurer about making any necessary changes.

  • Is it possible to get additional payment if your Texas homeowners insurance company delays payment of a claim?

    Yes, according to Texas Insurance Code Chapter 542, homeowners' insurance companies in Texas must pay 10% annual interest and reasonable legal costs for delayed claim settlements. You should contact your insurer if you have not received payment from them within five business days of an approved claim. If the company is purposefully delaying and ignoring your payment demands, contact the State Department of Insurance. Legal counsel is advised if the delay is of significant length and financial significance.

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