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Best Homeowners Insurance Agencies in Brownsville, 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 Brownsville 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

1500 N. Expressway, Brownsville, TX 78521
WebsiteLicense: 2487042 Rating

Review Sources

4.9 (13)
5.0 (10)

Why choose this provider?

Delta Insurance serves clients in the metro of Brownsville. It is an independent insurance agency that provides homeowners insurance to residential property owners. It partners with several insurance providers to recommend products that are fit for the budget, lifestyle, and protection needs of the client. It also offers auto insurance, motorcycle insurance, commercial insurance, life insurance, and Mexican insurance. The agency provides after-hours support for the convenience of clients who may have urgent concerns. It has a bilingual staff that caters to Spanish speakers.

5 Cove Circle, Brownsville, TX 78521
WebsiteLicense: Verified Rating

Review Sources

4.6 (54)

Why choose this provider?

Operating for over 70 years, Higginbotham provides homeowners' insurance in the neighborhoods of Brownsville and the surrounding areas. In addition to home protection, the policy also provides personal property protection to cover damage or losses. Some examples of covered perils are accidents and vandalism, crime, acts of nature, and third-party personal injuries. Additionally, the agency provides business insurance, which includes commercial coverage and risk management. The majority of Higginbotham's Board of Directors have been in place since 1989.

  • Renter's Insurance

1313 E. Alton Gloor Blvd, Ste E, Brownsville, TX 78526
WebsiteLicense: 676325 Rating

Review Sources

3.8 (5)

Why choose this provider?

Bob Sales Insurance Agency offers policies to clients in the Brownsville area. Homeowners can get insurance to cover property damage caused by flooding, fire, smoke, and natural disasters. The policy also provides compensation for theft, vandalism, and injuries that occur inside the property. In addition, the firm offers insurance for condos, farms, and rental properties as well as vehicles like cars, motorcycles, and boats. Businesses can also get coverage for workers' compensation, fleets, and professional liability.

  • Renter's Insurance
  • Condos

943 N Expressway 77 Ste 14, Brownsville, TX 78520
WebsiteLicense: 1611999 Rating

Review Sources

5.0 (50)
4.7 (25)

Why choose this provider?

Trae Pena is a State Farm insurance agent that helps homeowners in Brownsville find the ideal insurance option suited to their needs. He offers tailored solutions that cover keepsakes, appliances, and lawn decorations, as well as protects homes from the damages caused by vandalism, hails, poor plumbing systems, and fire. He also offers auto, business, health, life, and property insurance. He has been with State Farm since 2006 and established a local office in 2014.

  • Multiple Policy Types
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Delta Insurance
1500 N. Expressway, Brownsville, TX 78521
5 Cove Circle, Brownsville, TX 78521
Bob Sales Insurance Agency
1313 E. Alton Gloor Blvd, Ste E, Brownsville, TX 78526
Trae Pena
943 N Expressway 77 Ste 14, Brownsville, TX 78520


  • 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 are the most basic components of homeowners insurance in Brownsville?

    The first basic component of homeowners insurance in Brownsville is your dwelling coverage, which is the value or money that the insurance carrier will give you after total damage is incurred by your home. The second component is your personal property coverage, which will pay you for damages or loss of your personal effects such as electronics, furniture, appliances, clothes, and food. Third is the separate structure that covers your detached garage, gazebo, or workshop.

  • Is house maintenance covered under your homeowners insurance in Brownsville?

    Regular house maintenance is not covered under your homeowners insurance policy in Brownsville. Homeowners insurance is designed to provide relief and prevent you from spending out-of-pocket for repair costs in the event that your house sustains damage from covered causes. Maintenance work will be the sole responsibility of the homeowner.

  • Will your swimming pool be covered under your homeowners insurance policy in Brownsville?

    Your swimming pool can be covered under your homeowners insurance through its liability coverage in Brownsville. Insurance providers require homeowners to have their pool secured within the perimeter fence and have proper maintenance. Diving boards are not recommended, as most insurance carriers do not cover your pool if you install one due to liability issues.

  • What are the possible ways to save money on your homeowners insurance policy in Brownsville?

    To save money on your homeowners insurance in Brownsville, you should ask around before you accept a policy and compare quotes and coverages according to your needs. You can also seek discounts based on added security features on your home, such as a burglar alarm system and a fire alarm, with no previous claims in the last three years. You should compare the deductibles and the monthly premiums and make sure they are within your budget.

  • Is there a named peril coverage in your homeowners insurance policy in Brownsville?

    There is a named peril in your homeowner's insurance coverage in Brownsville. It is an option under your insurance policy that specifically lists the perils or events being covered. Some of the commonly named perils are fire, lightning, riots, aircraft, volcanic eruptions, falling objects, accidental water overflow inside the house, and electrical accidents.

  • 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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