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2024

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Best Homeowners Insurance Agencies in Houston, TX

Our Recommended Top 17

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 Houston 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.

1286Reviewed

778Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9894 Bissonnet St Ste 720, Houston, TX 77036

Expertise.com Rating

Review Sources

Google
4.8 (51)
Facebook
5.0 (16)
Yelp
5.0 (16)

Why choose this provider?

Hartgrove Insurance in Houston, Texas, is an independent insurance agency that has sold home insurance since 2003. Hartgrove sells home insurance that includes coverage for damage by natural disaster or fire, liability protection, and for mortgage purposes. The business is accredited with the Better Business Bureau. Hartgrove Insurance is a branch of TWFG Insurance Services that offers both commercial and personal insurance products through carriers such as Travelers, Safeco, Wellington, Atlas General, The Hartford, and Progressive.

  • Homeowners

5500 NW Central Dr., Houston, TX 77092

Expertise.com Rating

Review Sources

Google
4.3 (319)
Yelp
3.5 (10)

Why choose this provider?

TGS Insurance Agency provides Houston residents with various personal insurance policies. With products ranging from homeowners' insurance to car and boat insurance, its professionals shop from over 30 different carriers to help clients find the coverage they need. They perform yearly insurance assessments to ensure the client's current policy still matches their requirements. TGS Insurance Agency participates in charitable events hosted by the Gulf Coast Regional Blood Center and Maddie's Mission.

  • Personal Property Insurance
  • Homeowners

450 N. Sam Houston Pkwy. E. Ste. 103, Houston, TX 77060
WebsiteLicense: 4644

Expertise.com Rating

Why choose this provider?

Baxter Insurance Agency Inc. has been serving customers throughout the metro area of Houston since 1989. It provides a wide range of insurance products, such as homeowners', flood, renters', and auto insurance. As an independent agency, its team of insurance agents represents several carefully selected carriers, including American Modern Insurance Group, Homeowners of America, J.C. Taylor Antique Auto Insurance, and Texas Fair Plan Association. Baxter Insurance Agency extends its services in Fort Bend, Harris, and Montgomery counties.

  • Homeowners
  • Renter's Insurance

501 W Gulf Bank Rd, Houston, TX 77037
WebsiteLicense: 1650314

Expertise.com Rating

Review Sources

Google
4.8 (119)

Why choose this provider?

AJ Morales Insurance is an independent agency serving Houston. Speaking English and Spanish, the bilingual team helps people protect their homes and personal properties by presenting homeowners' insurance coverage options. The policy covers dwelling, other structures, loss of use, personal liability protection, and medical payments. The agency is partnered with multiple insurance carriers to provide clients with a selection of tailored options. Other insurance products include mobile home, auto, life, and general liability insurance.

  • Homeowners

77 Sugar Creek Center Blvd Ste 206, Sugar Land, TX 77478

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (2)

Why choose this provider?

Transparity Insurance Services, based in Houston, Texas, is an insurance agency that offers comprehensive homeowners insurance that covers the physical structure of a building while also providing protection of the contents against damage. This includes liability coverage in the event of an accident involving a third party on the premises resulting in injury, death or damage to their property and extends to incidents at adjacent properties, such as damage caused by fallen tree branches. In certain circumstances, coverage offsets temporary housing during repair work to the home.

  • Condos
  • Flood
  • Homeowners

2190 N Loop W, Houston, TX 77018
WebsiteLicense: 2265587

Expertise.com Rating

Review Sources

Google
4.9 (105)
Facebook
4.9 (26)
Yelp
5.0 (2)

Why choose this provider?

The Vanguard Agency assists individuals and families in Houston in finding suitable insurance solutions from its network of carriers. The company informs homeowners of available home insurance coverages, including loss of use, reasonable repairs, and personal liability. It also carries other insurance products, such as life, vehicle, and business insurance policies. Humberto Garcia, the agency owner, established the company in 2018 to provide insurance options that fit people's lifestyles. He has been working as an insurance agent since 2004.

  • Renter's Insurance
  • Homeowners

6489 Wilcrest Drive, Suite A, Houston, TX 77072
WebsiteLicense: 1037105

Expertise.com Rating

Review Sources

Google
4.8 (30)
Facebook
5.0 (11)
Yelp
4.0 (5)

Why choose this provider?

Ken Quach is a State Farm insurance agent who has been serving the Houston area and neighboring communities since 1999. He offers health and life insurance policies, and plans for automobiles, businesses, and homes. He also offers annuities, banking, and mutual fund services. Ken holds a bachelor's degree in Business Administration and was the president of the National Association of Insurance and Financial Advisors in 2008. He is also currently a volunteer of the Alief Super Neighborhood Program.

  • Homeowners

3311 Richmond Ave, Ste. 350, Houston, TX 77098
WebsiteLicense: 1479763

Expertise.com Rating

Review Sources

Google
4.8 (66)
Facebook
4.8 (42)

Why choose this provider?

Rafail Insurance Agency helps homeowners protect their homes and everything in it, via coverage from damages and accidents. It represents a vast network of insurance carriers to help clients obtain adequate homeowners' insurance policies to cover them against financial loss in case of untoward incidents in a client's home. This independent agency has been in business since 2009, serving Houston and its nearby areas. Other insurance products include health, life, and auto insurance.

  • Renter's Insurance
  • Condos
  • Homeowners

6776 Southwest Freeway Ste 444, Houston, TX 77074

Expertise.com Rating

Review Sources

Google
4.7 (47)

Why choose this provider?

Houston National Insurance of America is a financial services company that caters to clients in the local metro. The company offers homeowners insurance solutions and educates clients on coverages like personal property coverage. Clients can find tips about reducing annual premiums on the company's website. The company's other insurance products include auto, grocery store, commercial truck, and flood insurance. Mohammad "Jim" Junaid, the company's president, has over 20 years of experience in the insurance industry.

  • Homeowners

2610 Hwy 6 South 1, Houston, TX 77082

Expertise.com Rating

Review Sources

Google
4.5 (144)

Why choose this provider?

Priority Insurance Agency serves individuals, families, and businesses in Houston and the neighboring areas. This independent agency partners with multiple insurance carriers to help clients find and purchase adequate homeowners insurance policies to cover them against financial loss in case of accidental damage, theft and vandalism, or destruction of their homes. Its policies also provide coverage for liability and medical payments in case a guest gets injured on the client's premises. The agency also offers auto, life, and business insurance policies.

  • Renter's Insurance
  • Flood

602 Sawyer Street, Suite 111, Houston, TX 77007
WebsiteLicense: 8884937

Expertise.com Rating

Review Sources

Google
4.9 (172)
Yelp
5.0 (10)

Why choose this provider?

Barry Hoskins is a State Farm insurance agent that serves clients in Houston and nearby communities. He has been living in the city since 2008 and offers homeowners' insurance for first-time and seasoned residents. Barry uses his local knowledge of the area to help clients plan their policies to cover specific dangers, such as theft and flooding. He can process all home-related claims online and provide policyholders with ID cards. Barry manages two offices and is friends with many local business owners in the city.

  • Homeowners

2605 W Lake Houston Pkwy, Kingwood, TX 77339

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
4.0 (1)

Why choose this provider?

Founded in 1950, Ward Brothers & Associates Inc. is an independent insurance agency located in Kingwood, Texas, serving renters and homeowners in the Houston, Texas, metro area and throughout the state. The agency offers comprehensive homeowners insurance policies that cover real and personal property, liability coverage if someone is injured on the property, and living expenses in the event of a complete loss. Ward Brothers also offers auto, motorcycle, boat, renters, and flood insurance.

  • Flood
  • Personal Property Insurance
  • Homeowners

6200 Savoy Dr #922, Houston, TX 77036
WebsiteLicense: 1721513

Expertise.com Rating

Review Sources

Google
4.9 (170)
Facebook
4.5 (3)

Why choose this provider?

Secured Risk Insurance is an independent agency serving clients in Houston and the surrounding areas. It offers homeowners' insurance plans that cover home repairs, loss of valuables due to damage or theft, liability, and living expenses. It represents several insurance providers, including Travelers, Universal, and Humana, which allows it to offer a range of options that can meet the specific insurance needs of clients. To provide timely insurance information for clients, the agency maintains a mobile-friendly website that contains customer service forms, phone numbers, and claims information.

  • Homeowners

11111 Katy Fwy Ste 120, Houston, TX 77079

Expertise.com Rating

Review Sources

Google
5.0 (104)
Yelp
5.0 (4)

Why choose this provider?

Homeowners in Houston, Texas, and its surrounding areas can rely on Associated Insurance Managers, an independent and locally-owned brokerage, to help them obtain suitable home insurance. The company's agents aim to help customers understand complicated insurance policies and save money by purchasing only the coverage they need. Associated Insurance Managers works with carriers such as Travelers, The Hartford, Progressive, and Dairyland Insurance to provide homeowners insurance policies, as well as auto, commercial, life, and health insurance.

  • Renter's Insurance
  • Condos
  • Fire

6095 Glenmont Drive, Houston, TX 77081
WebsiteLicense: 2673319

Expertise.com Rating

Review Sources

Google
5.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Varon Insurance is a family business providing insurance to clients in Houston and the surrounding areas. The company has been in business for more than 30 years and offers homeowner, auto, and business insurance. Its home insurance policies cover losses caused by storms, fire, theft, as well as other events. Varon Insurance also has a customer support team that can be approached 24/7 and can assist with changing policy details and customizing policies to fit the client's needs.

  • Flood
  • Auto
  • Homeowners

21430 Provincial Blvd, Houston, TX 77450
WebsiteLicense: 1591637

Expertise.com Rating

Review Sources

Google
4.7 (24)
Yelp
5.0 (1)

Why choose this provider?

Established in 2008, Texas Insurance Agency is a Katy-based risk management specialist that serves the Houston area. The insurance brokerage offers a number of products, including homeowners' insurance, and it also provides flood insurance plans that cover personal property and appliances along with plumbing, electrical, and HVAC systems. Texas Insurance Agency, which also offers insurance for drivers, contractors, and manufacturers, is co-owned by Roland Cardner, a Certified Insurance Counselor who started in the industry in 1997.

  • Homeowners

3401 Louisiana Street, Suite 330, Houston, TX 77002
WebsiteLicense: 729892

Expertise.com Rating

Review Sources

Google
4.9 (233)
Facebook
5.0 (16)
Yelp
4.0 (7)

Why choose this provider?

David Cohen is a State Farm insurance agent that has been working in the Houston area for 31 years. He focuses on homeowners' insurance, renters' insurance, auto insurance, business insurance, and life insurance. He also guides clients in financial planning and decisions with mutual fund offers for their personal retirement, education savings, and business retirement. David Cohen supports the community by participating in activities like Quotes for Good to benefit charities and sponsoring cause-oriented events.

  • Renter's Insurance
  • Condos
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Hartgrove Insurance
9894 Bissonnet St Ste 720, Houston, TX 77036
TGS Insurance Agency
5500 NW Central Dr., Houston, TX 77092
Baxter Insurance Agency Inc
450 N. Sam Houston Pkwy. E. Ste. 103, Houston, TX 77060
AJ Morales Insurance
501 W Gulf Bank Rd, Houston, TX 77037
Transparity Insurance Services
77 Sugar Creek Center Blvd Ste 206, Sugar Land, TX 77478
The Vanguard Agency
2190 N Loop W, Houston, TX 77018
Ken Quach
6489 Wilcrest Drive, Suite A, Houston, TX 77072
Rafail Insurance Agency
3311 Richmond Ave, Ste. 350, Houston, TX 77098
Houston National Insurance of America
6776 Southwest Freeway Ste 444, Houston, TX 77074
Priority Insurance Agency
2610 Hwy 6 South 1, Houston, TX 77082
Barry Hoskins
602 Sawyer Street, Suite 111, Houston, TX 77007
Ward Brothers & Associates, Inc.
2605 W Lake Houston Pkwy, Kingwood, TX 77339
Secured Risk Insurance
6200 Savoy Dr #922, Houston, TX 77036
Associated Insurance Managers
11111 Katy Fwy Ste 120, Houston, TX 77079
Varon Insurance
6095 Glenmont Drive, Houston, TX 77081
Texas Insurance Agency
21430 Provincial Blvd, Houston, TX 77450
David Cohen
3401 Louisiana Street, Suite 330, Houston, TX 77002

Houston, TX Homeowners Insurance Agency FAQs

  • Will a standard home insurance policy in Houston cover repair costs for water-related damage?

    It depends on the cause of water damage. Homeowners’ insurance in Houston usually includes water damage protection due to things like bathtub overflows and burst pipes. However, a standard policy often does not cover flood damage unless purchased by the homeowner as an add-on. This also applies to earthquakes, which can only be covered additionally or through a different policy.

  • Should you still purchase a flood insurance add-on if you live outside designated flood zones in Houston?

    Yes, because living outside floodplains does not mean your house is immune to flood damage. In fact, over half of Southeast Texas homes affected by Hurricane Harvey in 2017 stood outside flood zones that were previously predicted to have a 1% chance of flooding in any given year. If your provider in Houston does not offer flood insurance, you may visit the FloodSmart website to check whether you qualify for coverage through the National Flood Insurance Program (NFIP).

  • How much will it cost to insure a house in Houston with a $500,000 limit in dwelling coverage?

    The average yearly premium for a home insurance policy with a $500,000 dwelling coverage limit is $4,973. In comparison, the average annual premium paid by Houston homeowners is $2,936. Home insurance in the city costs about 1% more than the statewide average. It is also 67% more than what an American will usually pay.

  • If someone gets injured at your home in Houston and a lawsuit ensues, will your insurance policy cover legal fees?

    Yes, your homeowners’ insurance in Houston will pay for legal expenses, such as court and attorney fees, in the event of an injury lawsuit. Policies usually include personal liability coverage, which protects you from the financial repercussions of accident-related injuries that may happen on your property. Medical expenses associated with the injury will also be covered by your insurer.

  • Is the replacement value of your home in Houston the same as its market value?

    No, replacement value and market value are two different estimates and depend on different factors. The replacement value of your Houston home will be affected by labor and construction costs and your house’s floor area, age, architectural style, and interior features. The number of rooms and stories, as well as renovations and additions you have made, will impact the rebuilding cost.

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