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Best Homeowners Insurance Agencies in Springfield

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Auto Insurance Express logo
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Auto Insurance Express

2248 S Campbell Ave, Springfield, MO 65807
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake

Business Description

Auto Insurance Express is an insurance company that has been serving residents and businesses in Springfield for more than 20 years. The firm's licensed agents assist individuals and families in evaluating their needs and choosing the right homeowners insurance coverage. This includes dwelling coverage, personal property, and liability protection. They also help renters obtain financial security for personal belongings against disasters. Other offerings include auto, motorcycle, boat and RV, life and health, as well as business and commercial policies. The company also serves clients in Arkansas and Southwest Missouri.

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 (55)
Google
4.7 / 5 (31)

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
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Bill White Insurance Agency logo
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Bill White Insurance Agency

4650 S National Ave Ste A2, Springfield, MO 65810
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Bill White Insurance Agency offers coverage for property damages to homeowners in Springfield. A family business founded in 1964, it assists clients in determining what policy fits the needs of their home, helping them understand factors such as the scope of their coverage. The company's home insurance covers hazards such as fire, theft, and vandalism and secures the cost of damages to property, select personal belongings, additional living expenses, and liability. It also offers policies for clients residing in rented apartments or condominiums.

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
3.8 / 5 (4)

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
Bob Hammons - State Farm Insurance Agent logo
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Bob Hammons - State Farm Insurance Agent

2953 East Chestnut Expressway, Springfield, MO 65802
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  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Bob Hammons is a Springfield-based State Farm insurance agent that has been providing homeowners' insurance to his community since 1981. The homeowners' insurance covers damages to property and personal belongings due to unexpected incidents. Through State Farm, Hammons presents clients with quotes and assists them with their application. He also offers auto, business, health, life, pet, personal articles, and renters' insurance. Hammons aims to help people manage their risks and bounce back from the disasters they encounter.

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.
4.7
Google
4.5 / 5 (8)
Facebook
5.0 / 5 (4)

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
Brinck Insurance Group logo
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Brinck Insurance Group

1525 E Republic Rd b105, Springfield, MO 65804
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Business Description

Brinck Insurance Group, LLC, is a full-service insurance company that serves the Springfield metro area and nearby localities. Its licensed agents provide professional assistance to private residence owners in choosing the right homeowners' insurance policy. They handle several types of homeowners' coverage, including property, personal assets, homeowners' liability, law and ordinance, and home sharing. Other services include all types of personal, business, and industry-specific insurance policies. The company also operates in Missouri, Oklahoma, Arizona, and Iowa.

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 (28)
Facebook
5.0 / 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
Insurors of America logo
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Insurors of America

709 W Sunshine St, Springfield, MO 65807
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Earthquake

Business Description

Insurors of America is an independent insurance agency established in 1974. It caters to clients seeking home insurance plans in Springfield and the surrounding areas. It offers exhaustive homeowners' insurance policies, covering the dwelling and other structures, personal property, loss of use, additional expenses, and personal liability. Clients may avail themselves of supplementary coverages on top of the standard policy for other disasters, such as flooding, earthquakes, power failure, and water damages. It also provides other insurance products, including RV, auto, business, and life 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.
4.7
Google
4.6 / 5 (34)

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
Millennium Brokers logo
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Millennium Brokers

2100 S Brentwood Blvd Ste G, Springfield, MO 65804
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  • Multiple Policy Types

Business Description

Millennium Brokers is an insurance agency providing services to residents of Springfield and surrounding areas. It offers tailor-made homeowners' insurance plans to locals seeking insurance protection for their residential properties. It has a team of experienced insurance agents adept at constructing policies and coverage options to ensure that all property protection needs of clients are taken care of. Clients may request policy quotes through the agency website by submitting their basic information and a general description of their dwelling. The agency guarantees to provide customized options within 24-hours.

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.
4.9
Google
4.9 / 5 (204)
Facebook
5.0 / 5 (22)

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
Tagge Insurance logo
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Tagge Insurance

5336 South Campbell Avenue, Springfield, MO 65810
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  • Personal Property Insurance
  • Fire
  • Renter's Insurance

Business Description

Tagge Insurance is a full-service insurance company that has been serving the Springfield metro area since 1990. The firm assists individuals and families in choosing the right homeowners insurance coverage that best suits their needs. This includes dwelling coverage, detached structures, personal belongings, liability, and endorsements. Its independent and licensed agents also handle all types of personal insurance policies, including car, recreational vehicle, life and health, personal umbrella, and small business coverages. The company is a member of the Missouri Association of Insurance Agents and the Couri Associates.

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.
4.9
Google
4.9 / 5 (14)
Facebook
5.0 / 5 (7)

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.

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