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2024

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Best Homeowners Insurance Agencies in Temple, 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 Temple 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.

48Reviewed

32Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3411 Market Loop, Temple, TX 76502

Expertise.com Rating

Why choose this provider?

Swain Insurance Agency is a full-service independent insurance agency serving clients in Temple and its surrounding areas. It opened its doors in 2011 and has since helped clients find the right homeowners' insurance policies to protect their biggest assets. Policies can cover only specific risks or all risks, depending on client preference. Swain Insurance Agency also specializes in providing life, health, Medicare, and auto insurance. The agency works with BTIS, Infinity, and Progressive insurance for its personal insurance products.

  • Condos
  • Multiple Policy Types
  • Multiple Carriers

3411 Market Loop, Temple, TX 76502

Expertise.com Rating

Review Sources

Google
4.9 (7)

Why choose this provider?

Standard Insurance Agency has been providing insurance products and solutions to Texans since 1954. It serves clients residing in the Temple area and offers fully-customized homeowners' insurance plans. Clients may visit the agency website and submit their basic information and dwelling description, and one of the firm's expert agents will reach out to provide them with coverage options. It also offers customized auto insurances and assists clients in filing for claims. Standard Insurance Agency maintains offices all throughout Houston and the Dallas and Fortworth metroplex.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

12270 Moffat Road, Temple, TX 76502

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (1)

Why choose this provider?

David Coufal Insurance Agency offers commercial and personal insurance products in Temple. The company's comprehensive home insurance options help clients safeguard their financial security through policies that mitigate financial risks, such as property damage and loss. Its insurance professionals seek to understand clients' needs and provide custom insurance solutions. They also review policy areas and ensure that policyholders know the coverage or exclusions under their home insurance plans. David Coufal Insurance Agency has an online quoting tool.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

112 Southwest H K Dodgen Loop, Temple, TX 76504

Expertise.com Rating

Review Sources

Google
5.0 (73)
Facebook
5.0 (5)

Why choose this provider?

Shaffin Wegener is a State Farm insurance agent assisting customers in choosing homeowners' coverages fit for their needs. Homeowners' insurance saves policyholders from having to pay for losses over damaged properties and other assets. The agency provides full-replacement of houses and their contents when a natural disaster strikes. Its agents also give professional advice on debt consolidation, college emergency funds, business capital, home lending, and retirement planning. The company is open to assist individuals 24/7.

  • Renter's Insurance
  • Condos

2301 S 37th St, Temple, TX 76504

Expertise.com Rating

Review Sources

Facebook
5.0 (8)

Why choose this provider?

RVOS Insurance is a farm mutual insurance company that serves Temple and its surrounding rural communities. One of its main offerings is homeowners' insurance, which provides protection against calamities and personal liability. Related products include farm and ranch, renters', and manufactured home insurance. RVOS Insurance is fully owned and run by its policyholders, who are organized in local lodges. Starting out in 1901 as a small neighborhood nonprofit mutual protection association, the company settled in its current location in 1951.

  • Personal Property Insurance
  • Multiple Policy Types

2526 Blue Meadow Drive, Temple, TX 76502

Expertise.com Rating

Review Sources

Google
4.9 (20)
Facebook
5.0 (12)

Why choose this provider?

The David Nix Agency is a homeowners' insurance provider to clients in Temple and the surrounding areas. The agency structures an insurance policy according to the clients' needs and the coverage they require. It can provide homeowners' insurance policies that cover frame houses, manufactured homes, mobile homes, condos, townhouses, and secondary homes. It financially protects homeowners from damages caused by natural disasters, dog bite liability, sinkholes, and replacement costs for personal belongings.

  • Multiple Policy Types

2404 Williams Drive, Georgetown, TX 78628

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Yelp
4.5 (6)
Google
5.0 (5)

Why choose this provider?

Evans, Ewan & Brady Insurance Agency, Inc., assists clients in Temple with selecting the most suitable homeowners' insurance coverage. Policies may cover damage caused by disasters like fires or storms, as well as the costs for repairs to the house. Liability is likewise covered, for medical fees for guests injured at the property. The company also offers to review clients' existing policies and search for deductibles to save money. The insurance agency opened in 1928 and works with carriers like Allstate, The Hartford, and Safeco Insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

703 Devin Dr, Temple, TX 76502

Expertise.com Rating

Why choose this provider?

Jfitexas, LLC helps residents in Temple obtain the necessary insurance policy to financially guard their home against damage, which may lead to financial losses. The agents at this firm represent a selection of reputable insurance carriers who offer coverage for different types of risks that come with owning a home. They can also help homeowners purchase supplemental insurance coverage for floods and earthquakes. This company helps each client start the process of obtaining insurance by providing a template for inventory lists.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Swain Insurance Agency
3411 Market Loop, Temple, TX 76502
Standard Insurance Agency
3411 Market Loop, Temple, TX 76502
David Coufal Insurance Agency
12270 Moffat Road, Temple, TX 76502
Shaffin Wegener - State Farm Insurance Agent
112 Southwest H K Dodgen Loop, Temple, TX 76504
RVOS Insurance
2301 S 37th St, Temple, TX 76504
The David Nix Agency
2526 Blue Meadow Drive, Temple, TX 76502
Evans, Ewan & Brady Insurance Agency, Inc.
2404 Williams Drive, Georgetown, TX 78628
Jfitexas, LLC
703 Devin Dr, Temple, TX 76502

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.
  • Can food spoilage caused by a power outage be covered under homeowner's insurance in Temple?

    It is determined by the cause of the power outage. If the cause is a covered risk, such as a lightning strike, tornado, or falling tree, the insurer will cover the damage. Power outages caused by utility company failure may also be covered. A standard homeowner's insurance policy in Temple will typically cover up to $500 in spoiled food. Some outages, however, may not be covered, such as when flooding is the cause or the utility company cuts off the power due to non-payment.

  • What are the reasons for a homeowner's insurance cancellation in Temple?

    Non-payment of premiums and the filing of fraudulent claims are two of the reasons an insurance company will cancel a policy. Insurers may also cancel a policy if a home in Temple faces an increased risk but the owner does not take steps to mitigate it. Additionally, a policy can be canceled within 60 days of purchase if the insurer learns of a risk not disclosed by the policyholder or does not receive an inspection report prior to the start of the policy.

  • Is insurance for mobile homes in Temple required?

    No, but the owner of a mortgaged mobile home may be required to obtain insurance by the lender. In addition, the mobile home park may require owners to have their property insured. This is because such homes are more vulnerable to wind and fire damage. Communities in mobile parks such as Bluebonnet Estates, Santa Fe Trail, and Birdcreek Community can benefit from mobile home insurance.

  • Should you repair your Temple home right away after an insurance-covered disaster?

    Take immediate action to protect your Temple home from further damage. This can include filling holes or covering broken windows. It is important to note that insurance companies will not pay for additional damage caused by a failure to secure the property. Never make permanent repairs until the insurance company has inspected the damage.

  • Can mortgage insurance pay for home repairs or replacement in Temple?

    No, it is not the same as homeowner's insurance, which is designed to cover the cost of repairing or rebuilding a home in Temple. Mortgage insurance protects the lender if the borrower is unable to make payments. Lenders typically require it if the homebuyer cannot provide a 20% down payment. It is also known as private mortgage insurance.

  • 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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