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2024

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Best Homeowners Insurance Agencies in League City, TX

Our Recommended Top 8

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 League City 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.

63Reviewed

41Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1118 14th Street North, Texas City, TX 77590

Expertise.com Rating

Why choose this provider?

Brad Spurgeon Insurance Agency Inc. has provided homeowners insurance options for more than 41 years. As an independent agency, the company is able to represent multiple carriers to deliver personalized options at competitive rates. Its licensed agents work on behalf of clients to secure appropriate coverage for the home as well as personal possessions, including jewelry, firearms, camera equipment, electronics, and collectibles. Brad Spurgeon Insurance Agency also provides flood and windstorm insurance.

  • Personal Property Insurance

1110 East Nasa Parkway, Houston, TX 77058

Expertise.com Rating

Why choose this provider?

Accord Texaswide Insurance Agency assists homeowners in League City with obtaining policies to help recoup costs in the event of a disaster. The company provides policies that provide protection against fire damage, theft and vandalism, medical costs of individuals injured on the homeowner's premises, and damage caused by pets. Earthquake and flood policies are separate from blanket homeowner policies, and Accord Texaswide offers self-policy services on its website for claimants to download and fill out property loss claims and evidence of insurance request forms.

  • Personal Property Insurance

211 East Parkwood Drive, Friendswood, TX 77546

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (3)

Why choose this provider?

Gengler Insurance is a full-service insurance agency offering a wide range of homeowner's insurance plans to residents of League City and surrounding areas. The company provides policies that cover expenses related to hail damage, lightning damage, fires, explosions, and theft. For homeowners concerned about flood damage, the business offers separate policies for interior flooding provided through the National Flood Insurance Program. In addition to homeowner's policies, the Gengler Insurance handles business, health, and life insurance plans.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1095 West League City Parkway, League City, TX 77573

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

ACU Insurance Services is an independent agency that provides homeowners insurance in League City. The company's licensed agents work with leading carriers to deliver personalized coverage at competitive rates. They evaluate individual situations to determine the most effective package for the dwelling, personal possessions, and liability. ACU Insurance Services offers protection against such unforeseen disasters as fire and theft or vandalism. The company also provides additional coverage for floods and windstorms in addition to umbrella liability.

  • Renter's Insurance
  • Multiple Policy Types

2800 Marina Bay Drive, League City, TX 77573

Expertise.com Rating

Review Sources

Google
4.7 (39)
Facebook
5.0 (15)
Yelp
1.5 (2)

Why choose this provider?

Harbour Insurance Services Inc. caters to the insurance needs of clients in areas around League City. The homeowners' insurance policy includes property coverage, personal property, liability, medical expenses, and living expenses. Most of the insurance carriers the company uses include protection from damages due to windstorms, hurricanes, and hail. The clients can also opt for additional coverages such as flood insurance, personal umbrella insurance, jewelry floater, or earthquake insurance. The agency has been in the insurance industry for over 30 years.

  • Multiple Policy Types

116 South Gordon Street, Alvin, TX 77511

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

John Barron is a licensed State Farm agent who's provided homeowners insurance options near League City for more than 26 years. Mr. Barron works on behalf of his clients to deliver the personalized coverage that best meets their needs. State Farm's standard policies include protection for the dwelling and personal contents in addition to liability. The agency writes separate flood and windstorm policies. Mr. Barron also offers insurance options for condo, mobile home, and ranch owners as well as renters.

  • Multiple Policy Types

2305 Main Street, Dickinson, TX 77539

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
5.0 (21)
Yelp
5.0 (1)

Why choose this provider?

Insurance Plus Agencies, LLC is a homeowners insurance provider for clients in League City and nearby areas. Since 1996, the insurance provider has been committed to giving clients the appropriate coverage and policy for their property. Homeowners insurance is a financial safeguard for homes and personal belongings against disasters. The standard policy includes protection against fire, theft, vandalism, and guest liability. The agency also provides business insurance, health insurance, flood insurance, and life insurance.

  • Multiple Policy Types

502 Highway 3 North, League City, TX 77573
WebsiteLicense: 848418

Expertise.com Rating

Review Sources

Google
3.8 (6)
Facebook
5.0 (2)

Why choose this provider?

Affordable Insurance Solutions is an independent insurance agency that serves League City and the surrounding areas. Owner Kevin mainly runs the company and has over 20 years of experience in the industry. He specializes in protecting homes and business establishments through home, windstorm, flood, and small business insurance policies. Kevin also offers property and casualty, life, health, and workers' compensation insurance. He is also professionally designated as a certified insurance counselor (CIC). He is knowledgeable about the area and the local market as he is a League City resident since 1982.

  • Multiple Policy Types
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
bradspurgeonins.com
1118 14th Street North, Texas City, TX 77590
accordtexaswide.com
1110 East Nasa Parkway, Houston, TX 77058
Gengler Insurance
211 East Parkwood Drive, Friendswood, TX 77546
acuinsurance.org
1095 West League City Parkway, League City, TX 77573
Harbour Insurance Services Inc.
2800 Marina Bay Drive, League City, TX 77573
jbarroninsurance.com
116 South Gordon Street, Alvin, TX 77511
Insurance Plus Agencies, LLC
2305 Main Street, Dickinson, TX 77539
Affordable Insurance Solutions
502 Highway 3 North, League City, TX 77573

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.
  • Do homeowners' insurance policies in League City cover the cost of replacing a water heater?

    No, homeowners' insurance does not pay for the replacement of the water heater itself, only the damage it causes. Homeowners in League City must bear that expense. Consistent maintenance is essential, as it helps reduce claim frequencies and, consequently, long-term costs. It's standard practice in the insurance industry to distinguish between damage coverage and equipment replacement.

  • If a tree falls in a homeowner's yard in League City without damaging any structures, is it covered by homeowners' insurance?

    When a tree falls in a yard without causing damage to structures, homeowners' insurance might cover a portion, but only up to certain limits tied to the dwelling coverage. However, many policies won't pay for tree or shrub removal unless it's blocking a driveway or handicap access. It's recommended that League City homeowners consult their insurance agents about specific policy details before tree damage occurs.

  • In League City, does homeowners' insurance cover foundation issues?

    Coverage for foundation issues under homeowners' insurance depends on the cause. Wind-induced foundation damage is usually covered. However, damage resulting from flooding is not included in standard policies. With foundation repairs being notably costly for League City residents, securing the appropriate coverage can help manage these costs while protecting various other risks at competitive rates.

  • Is external damage caused by wind and hail covered by homeowners' insurance in League City?

    In League City, homeowners' insurance covers exterior damages caused by wind and hail. Hail can damage roofs and windows, and powerful wind gusts can strip away shingles. Considering the high costs associated with these repairs, having the appropriate insurance is vital. Without it, homeowners might face considerable out-of-pocket repair costs. Securing a comprehensive policy helps residents stay protected against these unpredictable weather events.

  • Should League City residents file a homeowners' insurance claim for minor damages?

    League City residents are often advised to file insurance claims for minor damages. However, if the anticipated payout only marginally exceeds the deductible and there's potential for increased insurance premiums based on the incident, it might be prudent to think twice. Homeowners must assess the situation and decide based on their long-term financial well-being.

  • 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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