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2024

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Best Homeowners Insurance Agencies in McKinney, TX

Our Recommended Top 5

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 McKinney 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.

73Reviewed

45Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

307 South McDonald Street, McKinney, TX 75069

Expertise.com Rating

Review Sources

Google
5.0 (67)
Facebook
5.0 (2)

Why choose this provider?

GlobalGreen Insurance Agency has a local, family-owned franchise in McKinney. Among other offerings, the firm has custom solutions for homeowners' insurance that include dwelling, personal possession, disaster, and liability coverage. The firm offers separate plans for flood insurance and earthquake insurance. It also has an umbrella insurance policy that gives clients greater coverage. Run by a father-son team who has 45 years of combined experience, the firm represents over 20 insurance companies.

  • Renter's Insurance
  • Flood
  • Fire

400 North Central Expressway, McKinney, TX 75070

Expertise.com Rating

Review Sources

Google
4.7 (26)
Facebook
5.0 (12)

Why choose this provider?

Mauceri Bynum Insurance provides a line of insurance services from its McKinney location. The company assists clients in acquiring different policies, such as home insurance policies. Its team offers homeowners' insurance plans that include total or partial coverage for property damage or destruction due to lightning, hail, hurricanes, or explosions. Home insurance also covers damaged or stolen personal belongings. Mauceri Bynum Insurance was founded in 2005 by Al Mauceri. Mauceri began his career in the industry over 25 years ago.

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

5005 McKinney Ranch Parkway, McKinney, TX 75070

Expertise.com Rating

Review Sources

Google
4.9 (252)
Facebook
4.9 (30)
Yelp
3.5 (5)

Why choose this provider?

Mike Johnson is a State Farm insurance agent who has been providing insurance and financial services to communities in McKinney for a decade. He offers homeowners' insurance for financial protection against natural disasters and other causes. The policy also includes personal property coverage. Mike Johnson also offers auto, renters', and life insurance policies. As an insurance agent, his aim is to help individuals, families, and businesses achieve financial freedom through insurance policies and financial protection services.

  • Multiple Policy Types

194 Industrial Boulevard, McKinney, TX 75069

Expertise.com Rating

Review Sources

Facebook
5.0 (287)
Google
5.0 (266)
Yelp
5.0 (3)

Why choose this provider?

Integrity Personal Insurance is a McKinney-based independent insurance agency that helps people who are looking for homeowners' insurance. The company offers homeowners' insurance comparisons from across North Texas to help its clients find the insurance policy that will suit them. Its team of professional agents helps the clients see the differences among each insurance policy in terms of the conditions, coverage, endorsements, limitations, and riders. Integrity Personal Insurance works with more than 20 insurance providers, including Foremost, Kemper, and Progressive.

  • Fire
  • Personal Property Insurance

600 North McDonald Street, McKinney, TX 75069

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (6)

Why choose this provider?

Located in McKinney, Insurance Services Agency has been providing customized homeowners' insurance coverage to Texans for nearly 30 years. Policies are structured and written by seasoned insurance agents and tailored to the unique needs and requirements of each client. The agency also offers other kinds of property insurance—like renters and mobile homes—and coverage for vehicles, fire disasters, boats, and RVs. Insurance carriers include GainesCo, Safeco, and Zurich. Insurance Services Agency is a member of the McKinney Chamber of Commerce, Rotary International, and the American Cancer Society Relay for Life.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
globalgreeninsuranceagency.net
307 South McDonald Street, McKinney, TX 75069
Mauceri Bynum Insurance
400 North Central Expressway, McKinney, TX 75070
Mike Johnson - State Farm Insurance Agent
5005 McKinney Ranch Parkway, McKinney, TX 75070
Integrity Personal Insurance
194 Industrial Boulevard, McKinney, TX 75069
Insurance Services Agency
600 North McDonald Street, McKinney, TX 75069

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.
  • Are there any considerations you should make before filing a homeowners' insurance claim?

    Yes. Before turning in your claim to your homeowners' insurance company in McKinney, you should first assess the damage to your home to ensure that the expenses you will incur will materially exceed your deductible. To do so, you may call a professional contractor to perform an analysis of the damage and check the extent of your damage before you file an unnecessary claim.

  • Can your homeowners' insurance in McKinney cover the medical costs of a guest who gets into an accident in your house?

    Yes. If a guest gets into an accident in your McKinney residence and they sustain injuries, the personal liability coverage of your homeowners' insurance will take care of their medical expenses. If you happen to cause damage to someone else’s property, personal liability coverage will also pay for it.

  • Is it possible to include jewelry protection in your homeowners' insurance policy in McKinney?

    Yes. Policy add-ons, or “endorsements,” allow you to increase or add coverage to your existing homeowners' insurance policy in McKinney. There are endorsements that can include coverage for expensive items like jewelry, fine art pieces, and even electronics. You can also get extra coverage for other needs, such as damage from natural disasters, the backup of sewers or drains, and extra construction or repair costs to meet local building codes.

  • Can you get discounts on homeowners' insurance in McKinney?

    Possibly. When it comes to discounts, it’s the insurance company’s call as to what discounts they will offer you. In most cases, residents in McKinney qualify for a discount if they have a newer home or a home in good condition, no claims for three years in a row, other policies with the same insurance company, and a monitored burglar or fire alarm system.

  • Is there a sub-limit on water damage for homeowners' insurance in McKinney?

    Since water damage is among the most claimed events for Texas homeowners, insurance companies in McKinney may place a sub-limit on how much water damage they will cover. There are even instances where water damage is completely excluded from a policy. So, when you purchase homeowners' insurance, see to it that this line item is clearly spelled out if you are concerned about it.

  • 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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