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2024

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Best Homeowners Insurance Agencies in Allen, TX

Our Recommended Top 5

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 Allen 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

38Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

280 South Legacy Drive, Plano, TX 75023

Expertise.com Rating

Review Sources

Google
4.6 (42)
Facebook
5.0 (28)

Why choose this provider?

William Kuo is a State Farm Insurance Agent near Allen who has been assisting clients since 2011. The licensed agent has extensive knowledge of State Farm's home insurance products, can tailor them to meet his clients' coverage needs, and fully explain each policy so that the client knows what's covered. He can also help if the client has to file a claim and can discuss additional coverage, such as life and health.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1220 N Alma Drive, Allen, TX 75013

Expertise.com Rating

Review Sources

Google
3.9 (19)

Why choose this provider?

Texas Independent Insurance serves Allen and the surrounding communities. This homeowners' insurance agency financially secures homes from damage and, when needed, covers the repairs on the structures. This coverage includes other buildings in the property such as sheds, garages, and detached fences. It also extends to the contents of the home, like appliances, furniture, and jewelry. Texas Independent Insurance provides coverage that settles medical expenses if someone was injured within the client's property, as well as provisions for living allowance during home repairs.

  • Multiple Policy Types

507 East Mulberry Street, Leonard, TX 75452

Expertise.com Rating

Review Sources

Facebook
5.0 (42)

Why choose this provider?

Buchanan Insurance is an independent agency that was founded in 2001 to provide customers with the best insurance options in Allen and the surrounding communities. Its agents work with insurance carriers to tailor home insurance packages that financially cover homeowners in the event of property losses caused by fire, theft, or injuries. The agency offers additional insurance coverage for floods, earthquakes, guns, and jewelry. Buchanan Insurance also has insurance plans available for churches, farms, renters, and boaters.

  • Fire
  • Multiple Policy Types

903 18th Street, Plano, TX 75074

Expertise.com Rating

Review Sources

Google
4.6 (10)
Facebook
5.0 (1)

Why choose this provider?

Guest Insurance Agency is a locally owned and operated company that's been helping homeowners get the coverage they need for their properties since 1991. As it's an independent agency, its agents can help clients choose from multiple products offered by various insurers, provide unbiased advice on the product's suitability for their needs, and pursue possible discounts. Additionally, they can help clients get insurance for other needs, such as auto and health.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

1333 West McDermott Drive, Allen, TX 75013

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Oldham & Associates, Inc. was established in 1992 by Jim Oldham and has been servicing homes and businesses in Allen ever since. This independent insurance agency is not captive to one insurance carrier but represents numerous insurance companies, thus enabling it to offer a range of plans and programs. Its goal is to provide value and coverage based on its clients' individual needs. It offers HOA+ policies or the basic homeowners' insurance and hybrid HOB policies which cover both open-perils and named-perils bases.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
William Kuo - State Farm Insurance Agent
280 South Legacy Drive, Plano, TX 75023
Texas Independent Insurance
1220 N Alma Drive, Allen, TX 75013
Buchanan Insurance
507 East Mulberry Street, Leonard, TX 75452
Guest Insurance Agency
903 18th Street, Plano, TX 75074
Oldham & Associates, Inc.
1333 West McDermott Drive, Allen, TX 75013

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.
  • How do insurers determine how much a homeowners' insurance policy in Allen would cost?

    Insurers determine how much a homeowners' insurance policy in Allen would cost by figuring out how much risk the company has to assume, with greater risk translating to greater premiums. Factors like the age of the home, the presence of tort-prone additions like swimming pools, and crime rates are considered by firms.

  • What are the additional coverage options available in homeowners' insurance products in Allen?

    In Allen, the optional additions to a standard homeowners' insurance policy include coverage for home sharing, which is fit for those who rent out homes with co-occupants. There are also protections against online crimes and identity theft, which pay for the damage caused by cyberattacks and the cost of preventive measures.

  • Why do insurance advisors in Allen counsel homeowners to bundle their home insurance with automobile policies?

    Insurance advisors in Allen counsel homeowners to bundle their home insurance with automobile policies because this lowers the cost of acquiring both plans. Since most automobile owners need to have their cars insured, getting a bundle makes sense, as the savings could range from $163 to $326.

  • In Allen, how much of housing costs does homeowners' insurance represent?

    In Allen, homeowners' insurance represents $4.7% of housing costs for a house that is under a mortgage and 11.9% of homes that are not under a mortgage. These rates are higher than those in Parker and Fairview and are very close to those in Plano.

  • What kind of homeowners' insurance agent should a resident of Allen get if there is a desire to maximize the available options?

    A resident in Allen who wishes to maximize the number of homeowners' insurance policy options available while shopping should look for an independent insurance agent or brokerage. Independence implies that there is nothing compelling the agents or firm to prefer one product line from a specific company over others. This broadens the net a shopper could cast, as there are no limits to where one may look.

  • 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.

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