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2024

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Best Homeowners Insurance Agencies in Wichita Falls, TX

Our Recommended Top 7

We did the research for you!

  • Licensing
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Our goal is to connect people with the best local professionals. We scored Wichita Falls 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.

66Reviewed

42Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1712 Kemp Boulevard, Wichita Falls, TX 76309

Expertise.com Rating

Review Sources

Google
4.4 (23)
Facebook
5.0 (2)

Why choose this provider?

An American Insurance is an independent insurance agency in Wichita Falls that has been providing insurance services statewide for more than 30 years. It offers different forms of insurance policies, including home insurance. Its professional agents coordinate with various insurance companies to provide their clients with policy options that have the coverage, price, and service most suited to their needs. An American Insurance represents Arrowhead, Bristol West, Foremost, Hagerty, and MissionSelect.

  • Multiple Policy Types

823 Travis Street, Wichita Falls, TX 76301

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Rebecca Raeke is a local Farmers Insurance agent who offers insurance plans to the residents of Wichita Falls and neighboring areas. Her homeowners' insurance plans protect residents in case of damage ranging from small mishaps to major storm damage. She also has a network of contractors and emergency service providers that owners can tap into for their repair and reconstruction needs. Raeke has 11 years of experience as a Farmers Insurance agent. She offers services in both English and Spanish.

  • Renter's Insurance
  • Condos

4705 Fairway Boulevard, Wichita Falls, TX 76310

Expertise.com Rating

Review Sources

Google
4.9 (36)

Why choose this provider?

Kelly Ho-Montoya Insurance Group LLC is an independent insurance agency serving individuals, families, and businesses in Wichita Falls. The agency, which is associated with a vast network of insurance companies, works closely with clients to find the best homeowners' coverages for their needs. These home insurance plans typically provide protection against loss or damage caused by theft, vandalism, fire, smoke, wind, and hail. They also cover financial liabilities. Kelly Ho-Montoya Insurance Group LLC also offers mobile home, condo, renters, car, life, business, and employee insurance.

  • Renter's Insurance
  • Condos

2207 Brook Avenue, Wichita Falls, TX 76301

Expertise.com Rating

Review Sources

Google
4.9 (21)
Facebook
5.0 (9)

Why choose this provider?

Tracey Denson, State Farm Insurance Agent, is operated by a founder with experience tracing back to 2004. It assists clients with homeowners insurance and related needs and provides them with quotes depending on the level of assets they need to cover. Its agents advise clients on the policies available to cover their needs should their properties be damaged by natural disasters, vandalism, fires, or other incidents. Tracey Denson, State Farm Insurance Agent, also offers business insurance services.

  • Personal Property Insurance
  • Multiple Policy Types

1300 10th St, Wichita Falls, TX 76301

Expertise.com Rating

Review Sources

Facebook
4.9 (38)
Google
5.0 (10)
Yelp
1.0 (1)

Why choose this provider?

Higginbotham - Wichita Falls is an insurance agency established in 1948. Its agents help clients in protecting their investments such as houses and their contents. The firm can assist individuals in selecting the right carrier and coverage to secure their assets. Renewing of policy and billing can also be handled by the insurance team. Homeowners' insurance safeguards policyholders from liability concerning lawsuits, personal staff, and other threats to personal safety and security.

  • Personal Property Insurance
  • Multiple Policy Types

1401 Kemp Blvd, Wichita Falls, TX 76309

Expertise.com Rating

Review Sources

Google
4.3 (60)

Why choose this provider?

Mark Inman Insurance Agency is an insurance service provider based in Wichita Falls. With over seven decades of collective industry experience, the agency's professionals assist homeowners in finding insurance products that meet their needs. They provide comparative quotes from over 25 insurance companies and inform clients of applicable coverage types. Homeowners' insurance policyholders receive assistance in mitigating financial risks due to natural disasters or random acts, such as vandalism and theft. This coverage also includes personal injury liabilities.

  • Multiple Policy Types

2101 Kemp Boulevard, Wichita Falls, TX 76309

Expertise.com Rating

Review Sources

Google
5.0 (48)

Why choose this provider?

Pond Insurance Agency Ltd. was founded in 1985 and covers homeowners in Wichita Falls. The company helps clients find the best insurance plan to cover repairs for fire damage, vandalism, and medical fees for injury. It also reviews a client's current policy to change or add to it, such as flood coverage. The company also provides forms for policyholders to show evidence or claim property loss. Its agents have been praised for being thorough and responsive.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
An American Insurance
1712 Kemp Boulevard, Wichita Falls, TX 76309
Rebecca Raeke - Farmers Insurance Agent
823 Travis Street, Wichita Falls, TX 76301
Kelly Ho-Montoya Insurance Group LLC
4705 Fairway Boulevard, Wichita Falls, TX 76310
traceydenson.com
2207 Brook Avenue, Wichita Falls, TX 76301
Higginbotham - Wichita Falls
1300 10th St, Wichita Falls, TX 76301
Mark Inman Insurance Agency
1401 Kemp Blvd, Wichita Falls, TX 76309
Pond Insurance Agency Ltd
2101 Kemp Boulevard, Wichita Falls, TX 76309

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 homeowners' insurance help you when your guest gets injured in your residential property?

    Yes, Wichita Falls homeowners' insurance provides coverage for medical expenses as well as liability protection. This is intended to provide policyholders with financial assistance if a guest is injured on their property. This coverage may include a goodwill payment, which is usually in the $5,000 range. This amount can be used to cover the injured guest's medical expenses.

  • How do credit scores affect Wichita Falls residents with their homeowners' insurance rates?

    Your credit score has a direct impact on the amount you pay for your homeowners' insurance premium. According to Texas Insurance Ratings' findings, individuals with lower credit scores may face homeowners' insurance rates that are up to 45% higher than those with good credit. Furthermore, this same group may face costs that are 29% higher than those with average credit.

  • Will your homeowners' insurance cover the costs of a temporary residence if a storm destroys your property in Wichita Falls?

    Yes. If your Wichita Falls home is damaged by a natural disaster, your homeowners' insurance may cover the costs of temporary housing and additional living expenses. This could include paying for temporary lodging, reimbursing for construction materials, and assisting with meal expenses. Your homeowners' insurance policy may also cover the cost of storing your salvaged items and furniture.

  • Do ALE coverage limitations exist in Wichita Falls homeowners' insurance regarding time or financial restrictions?

    Yes. In Wichita Falls, regular homeowners' insurance policies come with specific time and monetary restrictions for ALE, depending on the precise wording. As a result, if a storm damages the policyholders' properties, they cannot exceed the ALE limit specified in their policy. In addition, there is a time limit on the coverage for rebuilding the house.

  • Is the possession of homeowners' insurance necessary to qualify for Wichita Falls' Minor and Emergency Repair Program?

    The Minor and Emergency Repair Program in Wichita Falls does not require homeowners' insurance. Because it is intended for low-to-moderate-income residents, the primary criteria established by the local government are unrestricted liquid assets of less than $10,000 and household income ranging from $33,500 to $55,550, depending on family size. Other requirements include having no debts to the City of Wichita Falls, being the owner-occupant, having a valid Warranty Deed, and maintaining housing that is not substandard or manufactured.

  • 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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