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Best Homeowners Insurance Agencies in Beaumont, TX

Our Recommended Top 4

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 Beaumont 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

2465 South 11th Street, Beaumont, TX 77701 Rating

Review Sources

4.4 (56)
5.0 (3)

Why choose this provider?

Trevco Insurance Agency serves the whole of Texas from four locations, including one in Beaumont. The agency offers a wide range of options for homeowners' insurance. It strives to provide its clients with tailored solutions that feature dwelling, personal property, liability, loss of use, and scheduled personal property coverage. The firm also covers specialty dwelling, renters', condo, and umbrella insurance. Trevco Insurance Agency started out as an auto insurance specialist in Baytown in 1990.

  • Renter's Insurance
  • Multiple Policy Types

4155 Phelan Boulevard, Beaumont, TX 77707 Rating

Review Sources

5.0 (4)
5.0 (3)

Why choose this provider?

J.S. Edwards & Sherlock Insurance Agency offers property damage coverage to homeowners in Beaumont. Beyond covering common hazards such as fires, theft, and vandalism, the company's home insurance programs include liability protection against lawsuits. The agency also counsels clients on factors that determine their policies, including the cost of rebuilding a home or replacing personal belongings. To help clients optimize their coverage, J.S. Edwards & Sherlock also offers home insurance check-ups during extreme wet or cold weather conditions.

  • Flood

8117 Gladys Avenue, Beaumont, TX 77706 Rating

Review Sources

5.0 (8)

Why choose this provider?

Charles Cole is a TWFG Insurance Services agent based in Beaumont. Cole provides multiple insurance policies, including home, auto, business, and life. The homeowners' insurance policy includes coverage for the house, garage, and personal property like appliances and furniture. It helps protect the home from windstorms, fire, and theft. It also covers liability for injuries incurred by guests on the property. The agency works with insurance carriers like Safeco, Travelers, Allstate, Foremost, Nationwide, and Progressive.

  • Multiple Policy Types

7225 Eastex Freeway, Beaumont, TX 77708 Rating

Review Sources

5.0 (21)
4.6 (20)
4.0 (3)

Why choose this provider?

Miller Insurance Agency provides comprehensive homeowners' insurance policies for families and individuals in Beaumont. Established in 1983, the company's agents coordinate with a network of trusted insurance providers such as Foremost, Progressive, and Standard. They can help clients seeking protection against the minor and major risks associated with owning a home, including fires, theft, and non-resident damages. Aside from offering typical homeowners insurance plans, Miller Insurance Agency also provides coverage for those residing in manufactured homes.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Trevco Insurance Agency
2465 South 11th Street, Beaumont, TX 77701
4155 Phelan Boulevard, Beaumont, TX 77707
Charles Cole - TWFG Insurance Agent
8117 Gladys Avenue, Beaumont, TX 77706
Miller Insurance Agency
7225 Eastex Freeway, Beaumont, TX 77708


  • 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 types of water damage are not covered by homeowners' insurance in Beaumont?

    Homeowners' insurance in Beaumont does not cover water damage resulting from poor maintenance or negligence. Some of the water damage is caused by prolonged roof leaks, sump pump overflow or failure, groundwater seepage, seasonal and flash flooding, and poorly maintained HVAC or plumbing equipment. However, some insurance companies offer additional policies for water damage related to sump pump failures. They still depend on the location of your home and its features.

  • How much insurance do you need for your mobile or manufactured home in Beaumont?

    The amount of insurance you need for your mobile or manufactured home in Beaumont depends on the cost of rebuilding your home and the value of your belongings, such as furniture, appliances, and clothing. It also depends on your assets and the cost of living elsewhere when your home has been damaged or become uninhabitable.

  • Is your homeowners' insurance in Beaumont canceled if it has been dropped?

    No. Dropping homeowners' insurance in Beaumont does not mean that it has been canceled. Policyholders must keep in mind that they are two different things. When an insurance company drops your policy, it means that your carrier did not renew your contract at its expiration date. You can still continue your insurance to another provider. However, if your homeowners' insurance has been canceled, this may be because you do not pay or there is an increased risk in your area.

  • Does homeowners' insurance pay for your hotels and meals if your home in Beaumont becomes uninhabitable?

    Yes. If your home in Beaumont becomes uninhabitable and you need to live in a hotel temporarily while your home is being repaired, your hotel fees and meals will be covered by your homeowners' insurance. Your additional living expenses coverage will pay for the costs while you are away from your home.

  • Can claims history affect your homeowners' insurance application in Beaumont?

    Yes. It is possible for carriers in Beaumont to refuse you a policy if you have a history of claims. Most insurance companies use the Comprehensive Loss Underwriting Exchange to look at whether your house has a claims history. The reports can last for seven years and might affect your application even if you were not the owner before. In some cases, carriers approve insurance applications but charge policyholders with higher rates.

  • 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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