Expertise.com

Best Homeowners Insurance Agencies in Columbia

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Concord Financial Alliance logo
Visit WebsiteWebsite

Concord Financial Alliance

2407 W Ash St, Columbia, MO 65203
Visit WebsiteWebsite
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Concord Financial Alliance is a homeowners' insurance agency servicing individuals and businesses in Columbia. This firm seeks to understand its clients' needs and provides comprehensive insurance solutions for homes and valuables. Its insurance professionals help homeowners assess potential risks to ensure they receive adequate insurance coverage. They also review existing home insurance policies to determine whether additional coverage is necessary and recommend policy updates for appropriate financial protection. Concord Financial Alliance has renters and umbrella insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Harrison Agency, Inc. logo
Visit WebsiteWebsite

Harrison Agency, Inc.

2100 Whitegate Dr, Columbia, MO 65202
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

The independent agency Harrison Agency, Inc. helps homeowners in Columbia protect their assets from the risks of property damages and premises liability. Its homeowners' insurance policies offer coverage for off-premises theft, personal injury, wine collection, excess liability, additional living expenses, and medical expenses. It works to determine the client's current risk status and recommend custom coverages that can address them. Other personal insurance policies that the agency offers are valuable possessions insurance and high net worth insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Plus logo
Visit WebsiteWebsite

Insurance Plus

1604 B Business Loop 70 W, Columbia, MO 65202
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Insurance Plus works with different insurance carriers to offer personal and business insurance solutions in Columbia. Its insurance specialists assist homeowners in finding applicable insurance plans through comparative quotes from insurance providers. These agents handle both traditional and specialty dwelling policies, the latter being applied to rental properties and unoccupied homes. Homeowners receive financial coverage for property damage, liability claims, and loss of use. Insurance Plus has partnerships with personal insurance companies such as United Home Insurance Co.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jennifer Wesselman - State Farm Insurance Agent logo
Visit WebsiteWebsite

Jennifer Wesselman - State Farm Insurance Agent

1424 B West Ashley Road, Boonville, MO 65233
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Jennifer Wesselman, State Farm Insurance Agent, is an office that's been active since 2014, and it helps clients with all aspects of homeowners insurance. This office sells policies that cover any construction costs associated with repairing damaged residential properties, and coverage is available to cover possessions and any liabilities caused by guests too. Jennifer Wesselman, State Farm Insurance Agent, also sells insurance policies that cover automobiles and business properties. Health and life insurance plans are available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
4.9 / 5 (34)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kasmann Insurance Agency logo
Visit WebsiteWebsite

Kasmann Insurance Agency

116 North Garth Avenue, Columbia, MO 65203
Visit WebsiteWebsite
  • Renter's Insurance
  • Personal Property Insurance

Business Description

Kasmann Insurance Agency is a locally owned business that has been providing insurance solutions since 1923. This independent insurance agency serves Columbia and nearby areas. Its team of professionals offers homeowners' insurance services covering the client's dwelling, other structures, additional living expenses, medical payments, and personal property. The home insurance policy covers perils such as vandalism, explosion, theft, water damage, and civil commotion. Events that are not covered include earthquakes, nuclear hazards, and intentional losses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.8 / 5 (16)
Facebook
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Naught-Naught Agency logo
Visit WebsiteWebsite

Naught-Naught Agency

3928 South Providence Road, Columbia, MO 65203
Visit WebsiteWebsite
  • Personal Property Insurance

Business Description

Naught-Naught Agency is one of the largest independent insurance agencies in Missouri that offers insurance solutions to clients in the Columbia metro. The company provides homeowners' insurance policies that provide coverage for damage and losses to the property, other home structures, as well contents within the property. Naught-Naught Agency has extensive experience offering policies that cover scheduled properties such as jewelry, silverware, fur, and other rare and valuable items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.7 / 5 (15)
Facebook
3.5 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Insurance Shop, LLC logo
Visit WebsiteWebsite

The Insurance Shop, LLC

3809 South Providence Road, Columbia, MO 65203
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

The Insurance Shop LLC sells homeowners insurance plans to clients in the Columbia metro area. It assists them with a multitude of different needs if they need to insure properties or any belongings inside and provides a range of quotes for their coverage options. Coverage is available for a wide variety of potential circumstances such as floods, fire, or vandalism. The Insurance Shop LLC also insures condos and mobile homes and offers renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Veterans United Insurance logo
Visit WebsiteWebsite

License Verified:

License: 8041531

Missouri Department of Insurance

Veterans United Insurance

103 Corporate Lake Dr 103A, Columbia, MO 65203
Visit WebsiteWebsite
  • Life Insurance

Business Description

Veterans United Insurance focuses on helping active and retired military personnel in Columbia get insurance products that fit their needs. The company offers home insurance options, such as liability coverage, loss of use, personal property, and dwelling coverage. It also has life, auto, and watercraft insurance policies. Additionally, umbrella policies are available for clients who are looking to get additional coverage for damages and liabilities beyond what their traditional policies offer.

License Verified:

License: 8041531

Missouri Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Vogel-Stuart Insurance Group logo
Visit WebsiteWebsite

Vogel-Stuart Insurance Group

29 N 10th St, Columbia, MO 65201
Visit WebsiteWebsite
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Vogel-Stuart Insurance Group is a Missouri-based insurance firm serving clients in Columbia and the surrounding areas. It offers all types of homeowners' insurance policies, including property insurance and homeowners' liability, renters' insurance, mobile home insurance, landlords' insurance, condo insurance, and scheduled property insurance. Its team of expert agents collaborates with clients in building their home insurance policies to make certain that all needs and requirements are taken into account. Combined home and auto insurance policies with additional bonuses are also available. Vogel-Stuart Insurance Group provides 24-hour customer service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (79)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Walker-Winter Insurance logo
Visit WebsiteWebsite

Walker-Winter Insurance

1517 Chapel Hill Road, Columbia, MO 65203
Visit WebsiteWebsite
  • Renter's Insurance
  • Flood
  • Condos

Business Description

Walker-Winter Insurance is a team of insurance professionals that offers personal and commercial policies to clients in the Columbia metro. The company offers homeowners' insurance policies that financially protect dwellings, detached structures, and personal belongings from damage arising from natural disasters, theft, and falling objects. Its policies also include medical expenses and liability coverage for accidents and other mishaps that might happen within the property. The company also offers policies for other types of homes such as condos and RVs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (63)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs