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2024

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Best Homeowners Insurance Agencies in Odessa, TX

Our Recommended Top 8

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 Odessa 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.

75Reviewed

48Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

211 West Broadway Street, Andrews, TX 79714

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
3.0 (2)

Why choose this provider?

Weatherby-Eisenrich Insurance sells home insurance policies and offers the assistance of trained and knowledgeable agents to help clients purchase those policies. The agency advises on amounts of coverage, terms of coverage, and the types of protection available for their homes, personal items, and any special liabilities. Its policies can cover storms, fires, wind damage, and vandalism along with similar causes. Weatherby-Eisenrich Insurance also sells personal umbrella insurance policies and auto insurance coverage.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

1541 John Ben Shepperd Parkway, Odessa, TX 79762

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Chris Wray is a State Farm Insurance agent based in Odessa. His team offers several insurance products, including homeowners' insurance. This policy covers the financial cost of repairing or replacing the house or valuable items inside it that have been damaged or lost because of outlined acts of nature, fire, theft, vandalism, or other causes. Chris Wray - State Farm Insurance Agent advises clients on the type of coverage they need based on their current situation.

  • Multiple Policy Types

4610 N Garfield St Ste A-10, Midland, TX 79705

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Midland Odessa Home Insurance aims to help individuals, families, and businesses obtain insurance coverage that suits their needs. This agency offers home insurance with coverage options that protect homes and belongings. The policy covers the costs of rebuilding a home from damaged caused by disasters and events. The coverage also includes replacement costs and inflation guard. Midland Odessa Home Insurance provides a range of products including auto, life, health, and business insurance policies.

  • Personal Property Insurance
  • Multiple Policy Types

2240 East 52nd Street, Odessa, TX 79762

Expertise.com Rating

Review Sources

Google
4.9 (211)
Facebook
4.7 (5)

Why choose this provider?

The Copeland Group has been providing insurance solutions to residents in Odessa since 1967. One of its products is homeowners insurance, which offers protection from damages caused by fire, hail, explosion. civil commotion, hurricane, and theft. It also grants additional policies that cover jewelry and fine arts, mold removal, earthquake damage, and backup of sewers. The company not only delivers insurance products but also assists in pre-inspection for claims and advises clients in the claims process.

  • Personal Property Insurance

3527 Billy Hext Road, Odessa, TX 79765

Expertise.com Rating

Review Sources

Google
4.4 (5)

Why choose this provider?

Allbright & Duncan Insurance Agency, Inc. discusses insurance policy options with residents and business property owners in Odessa and the rest of the region. The company provides homeowners' insurance policies for private residences. The policy compensates the clients in the case of damages and losses due to disasters such as fire and earthquake or human-related perils such as theft and vandalism. Each homeowners' insurance policy is customized depending on the client's needs and budget.

  • Multiple Policy Types

7211 Eastridge Rd, Odessa, TX 79765

Expertise.com Rating

Review Sources

Google
3.7 (3)
Facebook
5.0 (3)

Why choose this provider?

Hignojos Insurance Agency is an independent insurance agency that provides personal and business insurance options to clients in the Odessa metro. The company offers insurance plans that protect homes from common types of damage and loss, such as pipe leaks, fires, and burglary of property contents. Its plans also cover specific needs or risks, such as those required for special collections, high-value items, jewelry, and luxury items like cars and art.

  • Multiple Policy Types

4800 East University Boulevard, Odessa, TX 79762

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Higginbotham is an independent insurance, financial, and HR services firm that has been serving residents and businesses in Odessa and neighboring areas since 1948. The employee-owned firm offers clients homeowners' insurance policies, which cover physical structures, repair and replacements costs, and tools and electronics. Certain items, such as jewelry, books, musical instruments, and firearms are also covered. Higginbotham actively supports community development by giving grants from the Higginbotham Community Fund to nonprofits and through volunteer programs.

  • Flood
  • Earthquake
  • Renter's Insurance

1111 West Illinois Avenue, Midland, TX 79701

Expertise.com Rating

Review Sources

Google
4.7 (33)
Yelp
2.0 (1)

Why choose this provider?

Killebrew Insurance serves the Odessa metro area and sells homeowners insurance policies to clients with a range of different needs. This agency has been open since 1931 and has extensive experience helping clients to resolve issues with their policies or change the type and amount of coverage they want. It presents each client with a variety of rates offered by associated carriers. Killebrew Insurance can also insure automobiles as well as businesses.

  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Weatherby-Eisenrich Insurance
211 West Broadway Street, Andrews, TX 79714
Chris Wray - State Farm Insurance Agent
1541 John Ben Shepperd Parkway, Odessa, TX 79762
Midland Odessa Home Insurance
4610 N Garfield St Ste A-10, Midland, TX 79705
The Copeland Group
2240 East 52nd Street, Odessa, TX 79762
Allbright & Duncan Insurance Agency, Inc.
3527 Billy Hext Road, Odessa, TX 79765
Hignojos Insurance Agency
7211 Eastridge Rd, Odessa, TX 79765
Higginbotham
4800 East University Boulevard, Odessa, TX 79762
Killebrew Insurance
1111 West Illinois Avenue, Midland, TX 79701

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.
  • How much does homeowners’ insurance cost in Odessa?

    The typical expense for homeowners' insurance in Odessa is $3,375 annually, equivalent to $281 per month. This amount surpasses the statewide average of $2,919 yearly by approximately 16% and exceeds the national average of $1,754 by roughly 92%. In spite of this, there are numerous cost-effective coverage choices available for residents of the area.

  • Which insurers offer the lowest homeowners’ insurance rates for newly constructed homes in Odessa?

    The insurance companies offering the lowest homeowners' insurance rates for newly constructed homes in Odessa are Universal North America and Nationwide. Universal North America offers $907 annually, while Nationwide provides $1,098 per year. On average, insuring a recently constructed house with dwelling coverage valued at $250,000 incurs an annual cost of around $2,284.

  • Does homeowners’ insurance cover lost jewelry in Odessa?

    Yes, homeowners' insurance policies cover lost jewelry up to the predefined limits specified in an Odessa resident's policy. This limit is approximately $2,500. It implies that if a resident possesses jewelry of higher value or has a collection, obtaining an extra jewelry insurance policy would be advisable. This will guarantee that a policyholder's protection extends beyond the initial coverage limits provided by a homeowners' insurance policy.

  • What is the percentage increase in premiums that Odessa homeowners with poor credit can anticipate paying compared to those with excellent credit?

    Individuals in Odessa with poor credit may pay up to 43% more for homeowner's insurance premiums than those with excellent credit. This method reflects how insurance companies often use credit scores as one of the factors to determine the premium rates for homeowners' insurance policies not only in the city but in other places as well.

  • Does homeowners’ insurance protect Odessa residents from dog bite claims?

    Yes. Homeowners' insurance policies include liability coverage that can help protect Odessa residents from dog bite claims. However, certain insurance companies may exclude coverage for breeds deemed to be at greater risk for biting. Before acquiring a dog, homeowners should consult with their agents to determine which canines may be exempt.

  • 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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