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2024

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Best Homeowners Insurance Agencies in Plano, TX

Our Recommended Top 19

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 Plano 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.

170Reviewed

109Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3131 Custer Rd Suite 275, Plano, TX 75075

Expertise.com Rating

Review Sources

Google
4.9 (94)
Facebook
4.9 (39)
Yelp
4.3 (11)

Why choose this provider?

Alpha Omega Insurance Agency is an independent firm operating in Plano. It assists individuals with their homeowners' insurance needs through partnerships with multiple insurance companies. Its partners include American Strategic Insurance, Berkshire Hathaway Guard, Homeowners of America, Mercury Insurance Group, and MetLife Auto & Home. The agency's founder, Kyle Brown, has been working in the insurance industry since 1991. Alpha Omega Insurance Agency works with different industry partners such as Chandler Roofing & Restoration, Super Concierge, and Churchill Mortgage.

  • Renter's Insurance
  • Homeowners

8765 Stockard Dr Ste 102, Frisco, TX 75034

Expertise.com Rating

Review Sources

Google
4.9 (76)
Facebook
5.0 (18)

Why choose this provider?

Founded in 1999, the Rodney Mouton Insurance Agency is an independent insurance company located in the Plano, Texas, metro area. Home coverage professionals work with several trusted carriers to find clients the right amount of protection at competitive rates. Options include all-risk policies or comprehensive plans that cover all damage for any reason or named perils policies that lists allowable claims, such as fire, lightning strikes, and burglary. Additional coverage is available for floods, earthquakes, sudden, accidental water damage.

  • Renter's Insurance
  • Condos
  • Earthquake

1201 Richardson Dr Ste 132, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
5.0 (111)
Facebook
5.0 (11)
Yelp
5.0 (2)

Why choose this provider?

Established in 2016, the Decisive Insurance Agency is an independent specialist in home insurance based in Richardson, Texas. It represents a wide range of insurance carriers, allowing it to scour a choice of policies for its clients. Typical home insurance coverage will include the home's structure, replacement costs, a limited amount for personal possessions, and liability in case someone is injured on the property. Supplements can be added for particularly valuable items or in the event of flooding.

  • Renter's Insurance
  • Flood
  • Multiple Carriers

375 Municipal Dr Ste 132, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
3.8 (10)

Why choose this provider?

Heritage Risk Advisors is an independent insurance agent in Richardson, Texas, that sells home insurance in the Plano metro. Founded in 2014, Heritage Risk provides homeowners insurance that can include special coverage for floods, earthquakes, appliance breakdowns, and jewelry. Heritage Risk Advisors also provides other personal insurance products, including auto, life, and health insurance, as well as specialized commercial insurance policies for real estate professionals, farmers, landlords, and other business owners.

  • Renter's Insurance
  • Condos
  • Flood

5805 Coit Rd Ste 401, Plano, TX 75093

Expertise.com Rating

Review Sources

Google
4.9 (103)
Facebook
5.0 (25)
Yelp
5.0 (7)

Why choose this provider?

Founded in 1990, Matt Lohoefer Insurance is an independent insurance agency located in Plano, Texas, that serves homeowners throughout North Texas. The agency offers policies for all home-types, including condos, townhomes, mobile homes, and rental property through insurance carriers that demonstrate consistent, high-quality performance, such as AIG, American First Insurance, Safeco, and the Mercury Insurance Group. Matt Lohoefer Insurance also provides personal umbrella liability policies to provide homeowners an extra layer of protection.

  • Renter's Insurance
  • Condos
  • Earthquake

3209 Premier Dr Ste 103, Plano, TX 75075

Expertise.com Rating

Review Sources

Google
4.9 (35)
Facebook
4.3 (5)

Why choose this provider?

Insurance City is an independent insurance agency based in Plano, Texas. The company provides auto insurance, with its bilingual team of agents serving the entire state of Texas. It offers basic liability and comprehensive car insurance via a large network of underwriters, with optional coverage for collisions, glass replacement, theft, vandalism, accidents involving uninsured drivers, and specific perils such as extreme weather. Insurance City is willing to work with high-risk drivers.

  • Renter's Insurance
  • Condos
  • Flood

6600 Chase Oaks Blvd, Plano, TX 75023
WebsiteLicense: 1570134

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Tans Agency is an independent company that offers insurance products and services in the Plano metro. It helps families and individuals acquire homeowners' insurance to protect them and their investment properties from natural disasters and theft. The company provides dwelling, personal liability, medical payment, and living expense coverages. Its specialists also handle life, health, auto, and business insurance. They work with various carriers like Progressive, Kemper, and Bristol West. Tans Agency has been in business since 2016.

  • Homeowners

3020 Legacy Drive Suite 190, Plano, TX 75023
WebsiteLicense: 1942062

Expertise.com Rating

Review Sources

Google
4.9 (41)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Michael Fortado is a licensed State Farm insurance agent who serves clients throughout the Plano metro. He provides individuals and businesses with homeowners' and renters' insurance policies. In 2016, he was awarded Agent Aspirant of the year and in 2019, he decided to put up his own agency. In his previous position as an agent for an insurance firm, he learned how to customize products according to the needs of each client. His team of professionals offers services through his agency's Collin County location.

  • Multiple Policy Types

1941 Preston Road Suite 1001, Plano, TX 75093
WebsiteLicense: 1421887

Expertise.com Rating

Review Sources

Google
5.0 (77)
Facebook
5.0 (24)
Yelp
5.0 (2)

Why choose this provider?

Scott Schoener aims to help people manage everyday life risks, recover from unexpected events, and accomplish their dreams. A State Farm insurance agent, he has been serving the Plano community and local areas since 2000. His insurance products include homeowners', renters', auto, life, and business. Scott and his team have more than 29 years of combined experience providing and educating people about insurance. He also offers assistance in relocations and financial services and has worked as a State Farm catastrophe adjuster.

  • Multiple Carriers

1201 E 15th St. Suite 410, Plano, TX 75074

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (1)

Why choose this provider?

Regents Tax and Insurance Agency offers its services in the Plano metro. It provides a selection of personal lines of insurance, helping families and individuals acquire homeowners' policies. The company aims to protect policyholders and their investment properties from theft, vandalism, and natural disasters. Its specialists create customized personal property, liability, and medical expense coverages. They also serve clients who want to obtain life, health, and business insurance. Regents Tax and Insurance Agency is a family-operated agency that brings over 30 years of industry experience.

  • Renter's Insurance
  • Homeowners

4040 McDermott Rd Ste 200, Plano, TX 75024

Expertise.com Rating

Review Sources

Facebook
4.5 (16)
Yelp
1.0 (2)

Why choose this provider?

Founded in 1994, VGW Insurance is a large independent insurance company based in Plano, Texas. Agents at VGW have more than 75 years of combined experience in the Insurance industry and serve a range of clients, including new homeowners as well as those with second homes or investment properties. Policies cover the physical structure, contents, temporary living costs, liability, and legal costs associated with injuries sustained on the property. VGW also provides auto, business, and health insurance.

  • Condos
  • Fire
  • Multiple Carriers

3227 Independence Parkway, Plano, TX 75075
WebsiteLicense: 2564701

Expertise.com Rating

Review Sources

Google
5.0 (38)
Facebook
5.0 (4)

Why choose this provider?

Chelsea Terry runs her agency through State Farm. She caters to individuals, families, and businesses in the Plano metro and the surrounding communities. Her line of products include homeowners', auto, health, life, and pet insurance policies. She also provides disability, farm and ranch, liability umbrella, rental property, and workers' compensation insurance plans. Terry holds a bachelor's degree in Corporate Finance and Accounting. Her father is also a State Farm agent with 25 years of experience.

  • Renter's Insurance
  • Condos

301 East Virginia Street, Suite 201, McKinney, TX 75069

Expertise.com Rating

Review Sources

Google
4.9 (139)
Facebook
4.3 (21)
Yelp
5.0 (4)

Why choose this provider?

Founded in 2005, Mauceri Bynum Insurance is an independent insurance agency located in the Plano, Texas, metro area. Home coverage specialists research multiple insurance carriers to help provide clients with customizable policies that meet their protection needs at a competitive rate. Coverage options include payment for home repairs and replacement, the cost of replacing personal belongings, liability, and living expenses following a claim. Discounts are available for properties with professionally installed security systems and with multi-policy coverage plans.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

5600 Tennyson Pkwy Ste 285, Plano, TX 75024

Expertise.com Rating

Review Sources

Google
5.0 (53)
Facebook
5.0 (13)
Yelp
5.0 (5)

Why choose this provider?

Founded in 2002, the Dean Insurance Group is an agency specializing in home insurance. Based in Plano, Texas, it counts Safeco and Travelers amongst the 15 insurance carriers it represents. Homeowners can get quotes in person from the agency's office, by phone. or online. The agency's policies automatically include coverage for the structure of the home, detached structures like a garage or shed, personal belongings, and personal liability if someone is injured on the property.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

2817 Regal Rd Ste 101, Plano, TX 75075
WebsiteLicense: 669780

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (2)

Why choose this provider?

Sills Insurance Agency is a locally operated and independent business that has been serving clients in Plano and the neighboring areas since 1998. It provides homeowners' insurance plans that give financial protection in the event of loss due to theft, vandalism, and fire. It also customizes personal insurance solutions that cover recreational vehicles, golf carts, snowmobiles, classic cars, boats, and motorcycles. The agency has partnered with several insurance carriers, including MetLife, Safeco, Travelers, and Stillwater.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

4105 W. Spring Creek Pkwy, Plano, TX 75024

Expertise.com Rating

Review Sources

Google
4.9 (48)
Facebook
4.9 (44)

Why choose this provider?

Executive Insurance Agency offers homeowners' insurance for clients in Plano. Its plans provide coverage for homes and assets that may be affected by unexpected events, such as storms, fires, and theft. It also offers liability coverage that protects clients from lawsuits resulting from injuries that might happen in their properties. In addition, the agency provides insurance products from multiple carriers for renters, limousines, and employees. To help its clients make informed decisions, it educates them on the insurance options available to them.

  • Renter's Insurance
  • Condos
  • Homeowners

5566 Main St Ste 210, Frisco, TX 75033

Expertise.com Rating

Review Sources

Google
4.7 (20)
Yelp
5.0 (13)

Why choose this provider?

Based in Frisco, Texas, Alliance Insurance Agency was founded more than 20 years ago. It serves customers throughout Texas and in parts of Arizona. The agency issues homeowners policies from over 30 A-rated insurance companies, including Travelers and MetLife. Agents work closely with customers to help them choose homeowners policies that will cover their dwellings in case of damages from incidents such as fire and theft. Alliance Insurance Agency helps set policy coverage limits and deductibles that are appropriate for each property and each customer's budget.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

1930 E Rosemeade Pkwy Ste 211, Carrollton, TX 75007

Expertise.com Rating

Review Sources

Google
5.0 (215)
Yelp
5.0 (5)

Why choose this provider?

With offices in Carrollton, Texas, Jeff Van Matre Insurance Agency is an insurance broker that sells personal and business coverage, including home insurance, throughout the Plano metro. With over 30 years of combined experience, JVM Insurance helps homeowners decide on the right coverage for the structure of the building and their personal possessions. The agency offers policies through reputable brands such as Travelers, Utica National, Hippo, Texas Mutual, and Kemper.

  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types

888 S Greenville Ave Ste 140, Richardson, TX 75081

Expertise.com Rating

Review Sources

Google
4.9 (315)
Facebook
5.0 (65)
Yelp
5.0 (2)

Why choose this provider?

Insurance Source of Dallas in Richardson, Texas, serves as an independent insurance agency, providing home insurance for the whole Dallas/Fort Worth metro. Founded in 2004, Insurance Source provides homeowners with policies that cover both the dwelling and possessions inside it, including losses due to storms, fire, and theft. Insurance Source of Dallas provides varied options for both business and personal insurance through carriers including Stillwater, Travellers, Liberty Mutual, Allstate, and Encompass.

  • Renter's Insurance
  • Condos
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Alpha Omega Insurance Agency
3131 Custer Rd Suite 275, Plano, TX 75075
Rodney Mouton Insurance Agency
8765 Stockard Dr Ste 102, Frisco, TX 75034
Decisive Insurance Agency
1201 Richardson Dr Ste 132, Richardson, TX 75080
Heritage Risk Advisors
375 Municipal Dr Ste 132, Richardson, TX 75080
Matt Lohoefer Insurance
5805 Coit Rd Ste 401, Plano, TX 75093
Insurance City
3209 Premier Dr Ste 103, Plano, TX 75075
Tans Agency
6600 Chase Oaks Blvd, Plano, TX 75023
Michael Fortado
3020 Legacy Drive Suite 190, Plano, TX 75023
Scott Schoener
1941 Preston Road Suite 1001, Plano, TX 75093
Regents Tax and Insurance Agency
1201 E 15th St. Suite 410, Plano, TX 75074
VGW Insurance
4040 McDermott Rd Ste 200, Plano, TX 75024
Chelsea Terry
3227 Independence Parkway, Plano, TX 75075
Mauceri Bynum Insurance
301 East Virginia Street, Suite 201, McKinney, TX 75069
Dean Insurance Group
5600 Tennyson Pkwy Ste 285, Plano, TX 75024
Sills Insurance Agency
2817 Regal Rd Ste 101, Plano, TX 75075
Executive Insurance Agency
4105 W. Spring Creek Pkwy, Plano, TX 75024
Alliance Insurance Agency
5566 Main St Ste 210, Frisco, TX 75033
Jeff Van Matre Insurance Agency
1930 E Rosemeade Pkwy Ste 211, Carrollton, TX 75007
Insurance Source of Dallas
888 S Greenville Ave Ste 140, Richardson, TX 75081

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.
  • Does homeowners' insurance cover fire damage in Plano?

    Standard homeowners' insurance covers fire and smoke damage to an individual's home and belongings in Plano. Wildfires and fires started in a neighbor's home are both covered by homeowners' insurance. However, if it is proven that you or someone named on the homeowners' insurance plan caused the fire on purpose, the insurance company will not pay for damages.

  • What are the perils typically included in an HO-2 homeowners' insurance policy in Plano?

    An HO-2 homeowners' insurance refers to a policy wherein the home is only protected against perils, causes of loss, or sources of damage to a home or property that are listed on the agreement. In Plano, an HO-2 policy protects the property against these perils, including fire and lightning, theft, vandalism, falling objects, explosions, and damage from the weight of ice or snow.

  • What is the basic coverage of a homeowners' insurance policy in Plano?

    A homeowners' insurance policy in Plano covers the person's dwelling and the related structures like fences or garages. Second, it protects the individual's personal belongings. One may pay more for specialty collections like antiques or fine art. Part of the basic coverage of a homeowners' insurance policy is legal costs related to liability. Lastly, if the policyholder is forced out of their house, their homeowners' insurance policy should be able to pay them temporary living expenses.

  • Can you use your existing homeowners' insurance policy in Plano with your secondary or vacation home?

    No. Your secondary or vacation home is different than your primary residence in Plano. You need to purchase a separate homeowners' insurance policy for your secondary or vacation home. This is because your existing homeowners' insurance plan provides limited coverage for your personal property and may not satisfy the costs that your secondary or vacation home may encounter.

  • Can you own a home in Plano without getting a homeowners' insurance plan?

    Yes, you can opt not to get a homeowners' insurance plan in Plano. However, it is better to have a homeowners' insurance policy, as banks and those with a financial stake in your property would demand that your home be insured. Homeowners' insurance can also help you with financial security, as it can cover most damages.

  • 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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