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Best Homeowners Insurance Agencies in Killeen, TX

Our Recommended Top 6

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



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

14410 Southeast Petrovitsky Road, Renton, WA 98058 Rating

Review Sources

4.9 (52)
5.0 (49)
4.5 (2)

Why choose this provider?

A & M Insurance Services, Inc. helps safeguard families and assets in Killeen and the neighboring communities. It is a homeowners' insurance agency that helps clients protect their properties and dwellings, along with their belongings like furniture, clothes, and electronic appliances. The agency can also help secure jewelry, art pieces, antiques, and other collectibles within the property. It offers the option of additional living expenses if the home becomes uninhabitable, and personal liability coverage to settle claims for injury or loss within the clients' property. A & M Insurance Services, Inc. has been in the insurance industry since 1979.

  • Multiple Carriers
  • Renter's Insurance
  • Personal Property Insurance

202 West Central Texas Expressway, Killeen, TX 76541 Rating

Review Sources

5.0 (10)
4.5 (2)

Why choose this provider?

Capitol Insurance Agency of Central Texas assists residents and business owners in Killeen with their insurance needs. The company provides homeowners insurance policies to residential owners, homebuyers, and mortgage customers. Its licensed agents conduct consultations to help clients choose the right homeowners coverage, with various plans covering repairs and rebuilds, personal belongings, injuries and lawsuits, and temporary dwelling expenses. Other insurance services include car, motorcycle, life and health, and insurance packages. The company also serves clients in other Texas metro areas.

  • Multiple Policy Types

2707 East Highway 190, Copperas Cove, TX 76522 Rating

Review Sources

4.6 (8)

Why choose this provider?

Shawn Camp Insurance Agency, Inc. is a family-owned and -operated insurance firm that has been in business since 1976. It maintains an office in Killeen and offers homeowners' insurance plans to residents of the area. Its homeowners' insurance coverage provides protection for the dwelling, personal property, other structures, loss of use, personal liability, and medical expenses. In addition, the agency also covers losses from fire and lightning, accidents and thefts, vandalism and riots, and windstorms. Other insurance products include auto, RV, boat, and motorcycle coverages.

  • Multiple Policy Types

1805 Florence Road, Killeen, TX 76541 Rating

Review Sources

4.4 (17)
5.0 (3)

Why choose this provider?

All American Insurance is a family-owned and family-operated business that has been serving Killeen, Harker Heights, Copperas Cove, and the Central Texas area for over 40 years. It offers a wide range of insurance products for homeowners, renters, mobile homes, travel trailers, general liability, and small and large watercraft. Its team of independent agents customizes insurance packages through its partnership with multiple insurance carriers including Dairyland, Progressive, Foremost, CNA Surety, Logic Underwriters, and National Lloyds.

  • Personal Property Insurance
  • Multiple Policy Types

2204 West Stan Schlueter Loop, Killeen, TX 76549 Rating

Review Sources

4.3 (8)
5.0 (2)

Why choose this provider?

Since 1946, Larry Weiss Insurance Agency Inc. has been helping clients in Killeen insure their assets. It offers homeowners' insurance policies, which protect policyholders' homes and personal belongings when untoward incidents like storm damage happen. In addition, this type of insurance pays for additional living expenses should the occupants get displaced from the insured home. The team also offers coverages for other dwellings, including condominiums, mobile homes, and rental units. Larry Weiss Insurance Agency is an independent and family-owned business.

  • Multiple Policy Types

1201 E Central Texas Expwy, Killeen, TX 76541-9126 Rating

Review Sources

4.8 (16)
5.0 (7)
3.0 (2)

Why choose this provider?

Alan Cox is a State Farm insurance agent protecting homes in Killeen since 2000. As a State Farm agent, Cox endeavors to protect homes from wind and hail, lightning, frozen pipes due to extreme cold, and roof damages due to snow or ice. Other coverages include vandalism, theft, fire, pipe leaks, and damages to heating or cooling systems. Cox evaluates the home content value of belongings like electronics, art, and other interiors excluded from the condominium master policy.

  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
A & M Insurance Services, Inc.
14410 Southeast Petrovitsky Road, Renton, WA 98058
Capitol Insurance Agency of Central Texas
202 West Central Texas Expressway, Killeen, TX 76541
Shawn Camp Insurance Agency, Inc.
2707 East Highway 190, Copperas Cove, TX 76522
All American Insurance
1805 Florence Road, Killeen, TX 76541
Larry Weiss Insurance Agency, Inc
2204 West Stan Schlueter Loop, Killeen, TX 76549
1201 E Central Texas Expwy, Killeen, TX 76541-9126


  • 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 does a homeowners insurance policy in Killeen include?

    A homeowners' insurance policy in Killeen encompasses protection for your residence and its contents. The usual coverage options in a homeowners insurance plan include the following:

    • Dwelling, which takes care of the house if it gets damaged.
    • Other structures, like a damaged shed or garage.
    • Personal property, which covers damaged items inside the home like furniture, appliances, or electronics.
    • Loss of use, or when your home becomes uninhabitable during repairs.
    • Personal Liability, which pays for the damages when someone is injured on your property.
  • Is a homeowners insurance policy a mortgage requirement in Killeen?

    If you want to take out a mortgage loan, the lender will certainly require you to get a homeowners insurance policy in Killeen. By law, the lending company is allowed to ask borrowers to purchase a homeowners insurance policy that covers the amount of the loan while there are payments remaining. The lender may even require you to get flood insurance from the National Flood Insurance Program if your area is prone to flooding.

  • Can your credit history have a bearing on your homeowners insurance application in Killeen?

    Yes, insurance companies in Killeen use your credit history to find out what your insurance score is. The insurance score is an accurate predictor of future loss experience, which can impact your rate. However, insurance companies cannot refuse to sell you a homeowners insurance plan or cancel or not renew your policy just because of your credit history or insurance score.

  • Do both spouses need to be listed on a homeowners insurance policy in Killeen?

    If you own the home and your spouse moves in after you marry, you need to include your spouse in your homeowners insurance policy in Killeen. Even if you are legally married, if your spouse is not listed on the homeowners insurance policy, he/she will not be able to make any changes to the policy or submit a claim on your behalf.

  • Does homeowners insurance in Killeen cover the same things as a home warranty?

    A homeowners insurance policy in Killeen differs from a home warranty since it covers the structure of your home, your personal belongings, and liability should accidents or injuries arise on your property. Meanwhile, a home warranty covers the expenses for repairing or replacing your home's major systems and items, including appliances, HVAC, or plumbing.

  • 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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