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2024

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Best Homeowners Insurance Agencies in College Station, TX

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored College Station 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.

58Reviewed

39Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3204 Longmire Drive, College Station, TX 77845

Expertise.com Rating

Review Sources

Google
5.0 (45)

Why choose this provider?

Insureberry, formerly known as AG-Pro Services, is an insurance agency providing homeowners' insurance assistance to clients in College Station. Its team crafts a personalized insurance plan based on the client's preferences and needs. Home insurance covers precious jewelry, such as engagement rings, diamonds, and wedding bands. Damages caused by fire, hail, wind, and water-based accidents are also repaired with insurance carriers paying the expenses. The company also replaces personal belongings like furniture and clothing when stolen.

  • Renter's Insurance

3207 Briarcrest Drive, Bryan, TX 77802

Expertise.com Rating

Review Sources

Google
4.5 (6)
Facebook
4.0 (2)

Why choose this provider?

Established in 1946, Beal & Winn Insurance Agency is a family-owned independent insurance agency that provides its services to College Station. One of the agency's services is looking for the right homeowners insurance policy for its clients to help them protect their homes financially whether it is their own house or an apartment they are renting. Its staff provides them with different options and rates to help them choose the policy that best suits their needs and budget.

  • Multiple Policy Types

1604 Copperfield Parkway, College Station, TX 77845

Expertise.com Rating

Review Sources

Google
4.8 (72)

Why choose this provider?

Liere Insurance offers homeowners' insurance options in College Station and the surrounding areas. It is a homeowners' insurance agency that guides clients through the process of protecting their homes and their contents from damages caused by hail, strong winds, and snowstorms, to name a few. It also assists clients in insuring other properties in their estates and expanding their policies to include damages caused by floods. Leslie Liere, the CEO of Liere Insurance, founded the agency in 1992.

  • Multiple Policy Types

1401 Sebesta Road, College Station, TX 77845
WebsiteLicense: 1014048

Expertise.com Rating

Review Sources

Google
4.6 (10)

Why choose this provider?

Camp Insurance Agency is a risk management company based in College Station. It offers several insurance products, including homeowners' insurance which covers personal liability protection and reimburses losses in cases of fire, storm, or theft. The independent agency also furnishes insurance policies for condominium residents and renters and provides car and life insurance along with the commercial lines of protection. Liberty Mutual, Travelers, Progressive, and The Hartford are some of Camp Insurance Agency's providers.

  • Homeowners
  • Condos
  • Renter's Insurance

1111 Briarcrest Dr, Bryan, TX 77802

Expertise.com Rating

Review Sources

Google
4.2 (13)
Yelp
4.0 (2)

Why choose this provider?

Anco Insurance is a full-service insurance company that serves clients in College Station, Texas. It speaks to different homeowners to pay for damages caused by natural disasters like tropical storms and hail storms. The company offers unique coverages for high-value properties, condominiums, tenants or renters, seasonal residences, and family farms. The company was founded nearly 150 years ago, providing financial protection for residential, commercial, and industry clients. It works with national carriers like Progressive and Foremost Insurance Group.

  • Personal Property Insurance
  • Multiple Policy Types

3091 University Drive East, Bryan, TX 77802

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (4)

Why choose this provider?

Wellmann Insurance Agency, Inc. provides personal and commercial insurance services to clients in College Station and the rest of the region. The agents offer homeowners' insurance policies designed to protect private residences and the personal items found in them in case of disasters. The insurance policy also covers liability protection from lawsuits due to accidents on the client's property. With more than three decades of experience, the independent insurance agency represents multiple insurance carriers.

  • Multiple Carriers
  • Multiple Policy Types

2752 Longmire Drive, College Station, TX 77845

Expertise.com Rating

Review Sources

Google
4.8 (50)

Why choose this provider?

WE Gibson Insurance is a team of independent agents based in College Station. They assist clients in a broad range of areas, including homeowners' insurance, which may cover medical and additional living expenses and shoulder replacement costs in cases of windstorm and fire damage. The risk management professionals review policies from different carriers such as Liberty Mutual and The Hartford, allowing them to find suitable plans for clients. WE Gibson Insurance has been protecting clients since 1881.

  • Homeowners

400 Tarrow Street, College Station, TX 77840

Expertise.com Rating

Review Sources

Google
4.8 (27)
Facebook
5.0 (25)
Yelp
1.0 (1)

Why choose this provider?

Jim Ross, State Farm Insurance Agent, sells homeowners insurance policies and services these policies to support customers and their needs. Its namesake agent is experienced with homeowners insurance and advises clients on their optimal policy options. Plans are available to cover dwellings and any liabilities involving guests. Clients can cover their personal possessions too. Jim Ross, State Farm Insurance Agent, offers insurance coverage for cars, businesses, life, and health as well.

  • Personal Property Insurance
  • Multiple Policy Types

4058 Texas 6 Frontage Road, College Station, TX 77845
WebsiteLicense: 1088885

Expertise.com Rating

Review Sources

Google
4.9 (55)
Facebook
5.0 (10)

Why choose this provider?

Jeff Hamilton is a State Farm insurance agent who provides risk management assistance from his College Station location. He furnishes different types of policies, including homeowners' insurance, which provides repair and replacement costs for damaged properties or stolen personal possessions. In addition, he offers life and auto insurance along with protection plans for renters and businesses. Prior to becoming a State Farm insurance agent in 2001, Hamilton worked as a claims adjuster under the same company for seven years.

  • Homeowners

2501 Earl Rudder Freeway, College Station, TX 77845

Expertise.com Rating

Review Sources

Facebook
4.9 (38)
Google
5.0 (3)

Why choose this provider?

Higginbotham is one of the nation's 25 largest independent brokers servicing thousands of individuals and businesses in College Station. It offers protection from property damage costs and liability exposures such as lawsuits, threats to personal safety and security, business pursuits, personal staff, and teenage drivers. Its team of brokers helps clients select a carrier and coverage that are the best fit for their assets. They also help with the claims process when certain events like car accident, water heater leak, and burglary occur. Its homeowners' insurance policies can be associated with auto insurance products also offered by the agency.

  • Multiple Policy Types

4418 Bluebonnet Drive, College Station, TX 77477
WebsiteLicense: 18286

Expertise.com Rating

Why choose this provider?

Safenet Insurance Agency is a multi-line insurance company that serves clients in College Station. The firm protects homeowners, their families, and their personal belongings against fire, vandalism, theft, and other natural and manmade disasters with a homeowners' insurance policy. The team offers a variety of full-cost replacement coverages, including HOA, HOB, and HO3 insurance plans. As an independent insurance agency, the company also represents several providers of auto, flood, life, health, and commercial insurance. The firm has insured hundreds of clients throughout Texas since its inception.

  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Insureberry
3204 Longmire Drive, College Station, TX 77845
Beal & Winn Insurance Agency
3207 Briarcrest Drive, Bryan, TX 77802
Liere Insurance
1604 Copperfield Parkway, College Station, TX 77845
Camp Insurance Agency
1401 Sebesta Road, College Station, TX 77845
Anco Insurance
1111 Briarcrest Dr, Bryan, TX 77802
Wellmann Insurance Agency, Inc.
3091 University Drive East, Bryan, TX 77802
WE Gibson Insurance
2752 Longmire Drive, College Station, TX 77845
Jim Ross - State Farm Insurance Agent
400 Tarrow Street, College Station, TX 77840
Jeff Hamilton
4058 Texas 6 Frontage Road, College Station, TX 77845
Higginbotham - College Station
2501 Earl Rudder Freeway, College Station, TX 77845
Safenet Insurance Agency
4418 Bluebonnet Drive, College Station, TX 77477

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.
  • What are the causes of the annual increase in homeowners insurance rates in College Station?

    Reasons for the annual increase in College Station homeowners insurance rates include:

    • Some insurers employ standard inflation protection, which increases the property's coverage premiums to account for inflation;
    • Insurers may implement a rate increase approved by the Texas Department of Insurance;
    • Reduced expenses may be reinstated, such as if you no longer be eligible for discounts;
    • If the home reassessment at renewal reveals that a policyholder is underinsured, the insurer can increase the premium.
  • Why might a College Station homeowner require high-value property coverage?

    High-value homeowners insurance in College Station tends to be required for properties valued at more than $1,000,000. In addition to the structure and contents covered by a standard policy, high-value homeowners insurance coverage includes guaranteed dwelling replacement costs, excess liability, flood damage, identity theft protection, and medical insurance for veterinary care.

  • What types of water damage are covered by homeowners insurance in College Station?

    Most standard homeowners insurance policies in College Station cover both sudden and accidental water damage. It may cover damage caused by a broken washing hose, a burst pipe, a toilet overflow, a water breach caused by a fallen tree, or wind-driven rain, depending on the specifics of your insurance. Policies do not cover gradual leaks, seepage, or sewage backup, but they can be added with an endorsement.

  • How does homeowners insurance work if your house is a total loss in College Station?

    If your home in College Station is a total loss, your homeowners insurance company will pay the full coverage amount. You may invest the funds in a new location as long as it serves the same purpose as the previous one. Under certain policies, your reimbursement may be limited to the lesser of the cost of restoring the property to its pre-loss condition or the cost of constructing a comparable structure in the same location.

  • Which organizations in College Station can assist homeowners who do not have insurance?

    The cost of repairs or replacement will fall squarely on the shoulders of College Station residents who do not have home insurance. The Texas Division of Emergency Management and the Federal Emergency Management Agency may be able to assist residents whose properties are in a state or federally declared disaster risk area in the event of a natural disaster. Local government and international organizations such as the American Red Cross can also help those in need of food, shelter, and water.

  • 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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