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2024

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Best Homeowners Insurance Agencies in Amarillo, TX

Our Recommended Top 3

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 Amarillo 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.

115Reviewed

70Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8001 Southwest 34th Avenue, Amarillo, TX 79121

Expertise.com Rating

Review Sources

Google
5.0 (281)
Facebook
5.0 (80)
Yelp
5.0 (3)

Why choose this provider?

Merritt R Vaughn - State Farm Insurance Agent is an agency that provides insurance solutions in Amarillo. Its insurance agent, Merritt R Vaughn has been providing home insurance plans to protect families and homes since 2009. The policy financially protects the home from different threats such as, but not limited to, natural disasters, theft, vandalism, or accidental water damage. Vaughn also focuses on other insurance products such as auto, health, life, business, and pet.

  • Personal Property Insurance
  • Multiple Policy Types

801 South Fillmore Street, Amarillo, TX 79101

Expertise.com Rating

Review Sources

Facebook
4.3 (12)
Google
3.8 (11)

Why choose this provider?

Upshaw Insurance is an Amarillo-based independent insurance agency serving clients throughout the entire state of Texas. With nearly a century of experience, the agency represents a wide range of the nation's biggest insurance carriers to ensure clients get the best homeowners' insurance plans tailored to their specific needs. It also provides other personal coverage including condos, renters, personal liability, automobile, ATV, boats, and life insurance. In addition, Upshaw Insurance also offers business insurance coverage such as commercial property, builder's risk, construction, and general liability, among others.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

2700 South Western Street, Amarillo, TX 79109

Expertise.com Rating

Review Sources

Google
4.9 (84)
Yelp
1.0 (1)

Why choose this provider?

Don Tipps - State Farm Insurance Agent creates personalized insurance policies from its Amarillo location. Tipps assists clients with various insurance products, including home insurance. His homeowners' insurance policies provide coverage for damages due to fire and natural causes like wind, hail, and lightning. They also cover clients' personal articles such as jewelry, fine art, collectibles, and camera equipment. In addition to home insurance, Tipps offers condominium insurance, renters' insurance, boat insurance, ATV insurance, and motorcycle insurance. He has been in the insurance industry since 1994.

  • Renter's Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Merritt R Vaughn - State Farm Insurance Agent
8001 Southwest 34th Avenue, Amarillo, TX 79121
Upshaw Insurance
801 South Fillmore Street, Amarillo, TX 79101
Don Tipps - State Farm Insurance Agent
2700 South Western Street, Amarillo, TX 79109

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.
  • Does the age of your home affect the cost of homeowners' insurance in Amarillo?

    Yes, the age of your home can affect the cost of your homeowners' insurance. Older homes in Amarillo have higher insurance rates than newer ones. A one-year-old home, for example, may have an average annual insurance rate of $1,678, whereas a 35-year-old home may have an average rate of $2,611. This means that homeowners with older homes may have to pay up to $933 more in insurance each year.

  • Are homeowners liable for trees on their property causing damage to their neighbor's structure in Amarillo?

    Homeowners are not liable for damage caused by a tree on their property that falls on a neighbor's home or structure due to circumstances beyond their control, such as weather events. However, if the tree damage is caused by the homeowner's negligence, such as failure to maintain the tree or improper trimming, they may be held liable. Homeowners should review their insurance policy to see if it covers negligence-related liability.

  • What factors do insurance companies typically consider when determining homeowners' insurance rates in Amarillo?

    Insurance carriers in Amarillo calculate rates based on a variety of factors, including claims history, desired coverage amount, local crime rates, and weather-related risks such as hurricanes or tornadoes. Furthermore, home details such as construction type and square footage, roof age and condition, remodeling history, and proximity to fire stations or bodies of water such as coastlines may be taken into account.

  • How long does additional living expense coverage last if your home in Amarillo is uninhabitable due to a covered loss?

    The typical duration in Amarillo for additional living expense coverage, which assists homeowners when their home is rendered uninhabitable due to a covered loss, is typically up to 24 months. This coverage provides financial assistance while the damage is being assessed and the home is being repaired or rebuilt, including temporary housing support and related expenses.

  • What events or situations are typically excluded from homeowners' insurance in Amarillo?

    Situations and events such as earthquakes, floods, termite infestations, mold growth, sewer backup, and certain water damage causes are frequently excluded from Amarillo homeowners' insurance. Acts of war and nuclear accidents are also excluded. Because of the specialized nature of such risks, homeowners may require separate insurance policies to protect against them.

  • 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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