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2024

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Best Homeowners Insurance Agencies in Edinburg, TX

Our Recommended Top 7

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 Edinburg 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.

62Reviewed

40Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1727 West University Drive, Edinburg, TX 78539

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (3)

Why choose this provider?

Friendly Insurance partners with various insurance providers to offer homeowners' insurance policies to clients in the Edinburg area. Among the properties that the local agency handles are condominiums, mobile and manufactured homes, specialty homes, and vacant homes. It helps clients protect their property from water damages through its flood protection rider. As an insurance broker, it offers various coverage options from multiple carriers that can address the clients' coverage needs. Friendly Insurance also offers auto and commercial insurance.

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

710 South Closner Boulevard, Edinburg, TX 78539

Expertise.com Rating

Review Sources

Google
4.3 (28)

Why choose this provider?

Amco Auto Insurance, an insurance agency in Edinburg, has been in the business since 1998. The company's products include various insurance policies that involve auto, home, and Mexico coverage. The home insurance that its agents offer can cover losses and damages to the client's property and the assets inside the house. They can also provide coverage for liability in case an accident occurs in the home or on the property.

  • Multiple Policy Types

1906 East Tyler Avenue, Harlingen, TX 78550

Expertise.com Rating

Why choose this provider?

Shepard Walton King Insurance Group serves customers in the Edinburg metro area who need the right coverage for their homes at an affordable premium. Founded in 1995, the company has years of experience providing coverage for misfortunes, such as fires in the home, burst pipes, and structural damage caused by natural disasters. It can also provide limited liability coverage against visitors injured while on the property. Shepard Walton King Insurance Group has additional offices in McAllen, Austin, and Houston.

  • Flood
  • Personal Property Insurance

US-281 ste b, Edinburg, TX 78539

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (3)

Why choose this provider?

Access Insurance Agency is a homeowners' insurance agency in Edinburg that has been attending to the insurance needs of the metropolitan residents for more than 35 years. Its team of insurance specialists focuses on helping families and independent professionals in finding the right home insurance that suits their budget and situation. It also offers condo insurance, earthquake insurance, flood insurance, and renters insurance products. Access Insurance Agency operates based on the principles of choice, flexibility, and personalized service.

  • Multiple Policy Types

5107 S Mccoll Rd, Edinburg, TX 78539

Expertise.com Rating

Review Sources

Google
4.6 (62)
Facebook
5.0 (14)

Why choose this provider?

Robert Elizalde is a State Farm insurance agent who has been serving clients in the surrounding areas since 1990. He and his team share more than 65 years of experience advising on the best coverage and arranging policies for homeowners. The licensed agent can also discuss coverage for the home's contents to protect the owner against fires, flooding, and accidents. Additionally, Mr. Elizalde handles coverage for health care costs, drivers, businesses, and life.

  • Multiple Policy Types

3109 South Alamo Road, Edinburg, TX 78542

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (1)

Why choose this provider?

Carina Ramos Insurance & Associate is an Edinburg-based insurance agency that helps homeowners protect their assets. Its independent agents walk clients through the process of obtaining a policy that best suits their financial backgrounds and type of home. Their homeowners' insurance plans also cover sheds and detached garages on the property. Aside from stand-alone homes, the agency offers coverage for condominiums and tenants' personal belongings. Carina Ramos Insurance & Associate provides financial solutions for clients who need life, vehicle, or commercial insurance.

  • Renter's Insurance
  • Multiple Policy Types

2002 West University Drive, Edinburg, TX 78539

Expertise.com Rating

Review Sources

Google
4.2 (5)
Facebook
5.0 (4)

Why choose this provider?

Greenspoint Insurance-Financial offers coverages to homeowners in Edinburg. It assists clients in creating custom homeowners' insurance policies that can fulfill their coverage requirements. As an independent agency, it represents a number of insurance carriers, such as Homeowners of America, Zurich, and Cypress Property & Casualty Insurance Company. It provides assistance in completing appropriate application forms and in filing insurance claims. Other policies that the company offers include auto, business, general, and health insurance.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Friendly Insurance
1727 West University Drive, Edinburg, TX 78539
Amco Auto Insurance
710 South Closner Boulevard, Edinburg, TX 78539
Shepard Walton King Insurance Group
1906 East Tyler Avenue, Harlingen, TX 78550
Access Insurance Agency
US-281 ste b, Edinburg, TX 78539
Robert Elizalde - State Farm Insurance Agent
5107 S Mccoll Rd, Edinburg, TX 78539
Carina Ramos Insurance & Associate
3109 South Alamo Road, Edinburg, TX 78542
Greenspoint Insurance-Financial
2002 West University Drive, Edinburg, TX 78539

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 homeowners' insurance in Edinburg cover a contractor’s overhead and profit?

    In Edinburg, insurance adjusters cover O&P when three or more trades are involved in a rebuild or renovation project—a roofer, electrician, and plumber, for example. While most U.S. courts have ordered insurance companies to pay for O&P, some still refuse to pay their policyholders. It is recommended to provide the insurer with an executed contract that you and your contractor have signed. You may also hire a public adjuster or an attorney for further assistance if your insurance provider refuses to cover O&P.

  • Does homeowners' insurance in Edinburg cover termite damage?

    No. Standard homeowners' insurance in Edinburg does not cover termite damage or removal from homes. Regular upkeep is the homeowner's responsibility, which can help prevent termite infestations. However, in the event that the termite attack in your home caused the home to collapse or the termites made their way to an electrical line that caused the fire, then your homeowners' insurance can provide you with coverage.

  • How do you determine the deductible for roofing on your homeowners' insurance in Edinburg?

    In Edinburg, the homeowners' insurance deductibles are determined by the insurance policy and then agreed upon by the policyholder and insurance company. When filing a roofing claim, insurance providers subtract the deductible from the total amount of covered damages. If the cost of roof repairs is $10,000 and the deductible is $1,000, your insurance provider will automatically deduct $1,000 and pay you $9,000 instead.

  • What is considered a separate structure on a homeowners' insurance policy in Edinburg?

    Separate Structure Coverage in an Edinburg homeowners' insurance policy applies to structures on a property that do not share a roof line with the policyholder's primary residence. These may include a barn, a small woodworking area, or an extra garage. Homeowners' insurance usually includes separate structures as part of its coverage.

  • If you move out of your house, will your homeowners' insurance in Edinburg still be in effect?

    If you move out of your house in Edinburg and it remains vacant continuously for 30 to 60 days prior to a homeowners' insurance claim, you will not be able to claim anything. This is usually stated in the vacancy clause of your policy. If you plan on leaving your home for more than 60 days, you may need to purchase a vacant home policy to protect it against unforeseen events.

  • 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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