Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Reading

Our Recommended Top 15

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 Reading 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.

64Reviewed

44Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
335 Main Street, Denver, PA 17517
  • Fire
  • Multiple Policy Types

Why choose this provider?

Unruh Insurance Agency Inc. offers homeowners insurance policies for clients located near the greater Reading area. The firm offers plans from local and nationwide insurance carriers and it is able to source policies for single family homes as well as rental properties and motor homes. Unruh Insurance Agency assesses clients' properties and completes a home valuation report to ensure clients obtain the optimal policy and coverage at the best price.

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 (69)

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

Website
553 West Ridge Pike, Royersford, PA 19468
  • Multiple Policy Types

Why choose this provider?

Southeastern PA Insurance LLC is a full-service insurance agency based in the Reading metro area that offers homeowners and property owners policies. The company provides plans for homeowners and renters, with areas of coverage that include personal liability, damage protection following fires or certain severe weather conditions, and loss of property due to break-ins or vandalism. Separate policies are provided for earthquakes and flooding, and the agency's additional products include auto and commercial 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
Google
5.0 / 5 (7)
Yelp
5.0 / 5 (2)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
200 East Norwegian Street, Pottsville, PA 17901
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Richard B. Ryon Insurance is a company serving the greater Reading area. As an independent agency, this firm can source policies from a variety of insurance carriers, including Berkshire Hathaway, American Modern Insurance, Encompass, and Chubb. Aside from traditional policies, the agency offers supplemental coverage for floods and valuable personal belongings, such as art and jewelry. Richard B. Ryon Insurance can also combine multiple policies to provide customers with the best rates.

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 (6)
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

Website
30 E Lancaster Ave, Shillington, PA 19607
  • Multiple Policy Types

Why choose this provider?

FA Insurance is a full-service insurance company that has been serving the Reading metro area and surrounding localities since 1959. The firm provides residents with a homeowners insurance policy that can adequately protect their homes, personal assets, and families against disasters. Its licensed agents evaluate different coverage options from various carriers. These include structural repairs, replacements for lost or stolen personal items, and liability protection against injuries that occurred in the home. Other offerings include auto, motorcycle, renters, life, and business insurance plans.

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 (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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
37 West Lancaster Avenue, Shillington, PA 19607
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

American Insuring Group Ltd. is a company securing homeowners insurance policies for clients near the Reading area. The company specializes in finding affordable, comprehensive homeowners insurance policies for single family homes, apartment buildings, and motor homes. Its agents ensure clients understand the terms and conditions of their policies and they also recommend extended coverage options for flooding, earthquakes and sewer backups. Additionally, American Insuring Group offers car 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.
5.0

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
730 Washington Street, Reading, PA 19601
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Spotts Insurance Group is a small local independent agency servicing the residential and commercial community of Reading. As an independent agency, it has access to multiple insurance carriers and their wide range of products, enabling it to offer varying policies and coverages to its clients. Homeowners' insurance helps protect policyholders financially if they suffer a loss caused by fire, theft, vandalism, or other covered events. This company provides unbiased objective advice and claims assistance in the event of damage or destruction to homes.

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 (34)
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

Website
2237 Lancaster Pike, Shillington, PA 19607
  • Multiple Policy Types

Why choose this provider?

Gallen Insurance is an independent insurance agency that has been serving the greater Reading area since 1957. The company deals with insurance needs related to auto, business, and home needs. The company offers insurance plans that protect homeowners and their properties from unexpected damages such as those caused by storms and other natural disasters. Its plans also protect homeowners from liability in the event of an accident or injury within the home.

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 (52)
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

Website
2403 Main Street, Narvon, PA 17555
  • Multiple Policy Types

Why choose this provider?

Lehman Insurance Agency Inc. is a full-service insurance firm in Reading that sells homeowners insurance policies. The company is a member of Keystone Insurance Group, and it offers policies for homeowners, mobile homeowners, country homes, and home businesses. In addition to traditional homeowners policies, the agency advises customers on umbrella plans and add-on policies to ensure there are no coverage gaps. Lehman Insurance Agency partners with multiple insurance carriers to offer a variety of deductibles and areas of coverage.

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
4.7 / 5 (30)
Facebook
5.0 / 5 (2)

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

Website
4950 Hafer Road, Reading, PA 19606
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Condos

Why choose this provider?

Berks County Insurance Group, Inc., has been providing insurance solutions to residents and businesses in Reading since 1984. The company assists individuals and families in protecting their homes and personal assets against disasters and other unfortunate events. Its certified brokers represent different carriers that offer varying coverage options, include structures, personal property, medical coverage, additional living expenses, and personal liability. Other insurance offerings include vehicle, recreation, life, commercial, and boxing or MMA insurance policies. The company serves clients throughout Pennsylvania.

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)
Facebook
5.0 / 5 (5)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
422 E 1st St, Birdsboro, PA 19508
  • Multiple Policy Types

Why choose this provider?

Ayres Insurance Agency, Inc., is a company that caters to homeowners in Reading. Committed to being there for policyholders who are in need of financial protection, the agency provides tailor-fit insurance plans to cover their clients’ personal properties, dwellings, and other structures. Other coverages include loss of use, liability protection, and medical payment. Ayres Insurance Agency also crafts policies to provide optional coverages for earthquake, personal computer, and nurse’s professional liability, as well as loss to shrubs, plants, and trees.

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.
4.0
Google
4.3 / 5 (9)
Yelp
1.0 / 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

Website
3501 Kutztown Road, Reading, PA 19605
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Schaeffer Insurance is a family-owned insurance company based in Reading. It provides homeowners protection from unexpected damages that can lead to hefty repair expenses. It offers policies for specific concerns like floods and earthquakes, and general protection for vehicular accidents and fires. The company also advises clients on what plans fit their budget or how to file claims quickly and easily. It was established back in 1985 and believes in building close relationships with each client.

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 (28)

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

Website
6 Hearthstone Court, Reading, PA 19606
  • Multiple Policy Types

Why choose this provider?

Reich Insurance is a firm that helps clients around Reading that seek professional support in home insurance matters. The agency assists homeowners through the insurance coverage process and offers analysis services to help clients quantify replacement costs for property damages. Reich Insurance's services also include other insurance areas such as flood and earthquake coverage, mobile and vacation homes, and renters coverage. The firm also handles coverage matters involving business, health, travel, auto, 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.
5.0
Google
5.0 / 5 (155)
Facebook
5.0 / 5 (8)

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

Website
1020 James Drive, Leesport, PA 19533
  • Multiple Policy Types

Why choose this provider?

Snyder Insurance Agency offers insurance options to residents and business property owners in Reading and the surrounding Berks County areas. The homeowners' insurance policy provides financial protection for the property and its contents in the case of damage or loss due to fire or other disasters. The policy also covers legal fees in the case of lawsuits filed by guests injured on the client's property. The company has been in the insurance industry since 1935.

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
4.8 / 5 (24)
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

Website
436 Penn Avenue, West Reading, PA 19611
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Rothenberger Insurance Services, LLC offers financial protection solutions from its Reading location. The agency's line of personal insurance products includes homeowners' insurance. The professionals create insurance policies that cover property damage resulting from theft or fire. They also provide home insurance plans that include coverage for flood and earthquake damage. The insurance specialists assist both first-time insurance buyers and clients looking into changing or adjusting their current policies. Ron Rothenberger established the agency in 2007.

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 (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

Website
1241 North Charlotte Street, Pottstown, PA 19464
  • Fire

Why choose this provider?

Weigner Insurance & Financial Services Inc. is a third-generation insurance agency that provides homeowners policies to customers throughout the Reading metro area. The business is fully licensed, and it offers both basic and broad homeowners plans. Basic coverage provides protection in the event of fire damage, lightning damage, and theft and vandalism, while broad policies offer extra coverage for pipe damage and exterior home damage from ice dams and snow. Additionally, the company's agents assist with creating custom policies for older homes and mobile homes.

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 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • Is homeowners insurance essential in Reading for those without mortgages?

    Homeowners coverage is a safeguard for all, even those clear of home loans. This shield doesn't merely protect the dwelling and cherished belongings; it also serves as a guard against unforeseen legal entanglements due to accidents or harm on the premises. Such assurance fosters a sense of security for Reading residents, with or without a mortgage.

  • Can one obtain insurance for an unoccupied home in Reading?

    Homeowne­rs in Reading can obtain insurance for their unoccupie­d homes. If a home remains vacant for more than 30 days, regular insurance policies may not provide coverage due to increased risks such as fire or theft, but residents have the option to acquire specific insurance­ tailored for their empty house­s, commonly referred to as vacant home­ insurance. This type of insurance safe­guards homeowners from potential expenses related to property repairs and injuries.

  • When Reading residents experience water damage caused by heating system malfunctions or water heater bursts due to freezing, does homeowners insurance cover it?

    Homeowners insurance typically covers water damage resulting from heating system malfunctions or water heater bursts caused by freezing. However, the coverage doesn't apply if the residence stands vacant or unused, and no steps were taken to heat the property or turn off and drain its water systems. Coverage should still be in place for those merely away for a short duration with intentions to return.

  • What should a resident in Reading do upon getting an insurance cancellation or nonrenewal notice?

    A Reading resident should first contact their insurance agent or provider for clarity. Pennsylvania rules allow such actions, but if there's disagreement, they can challenge it. It's vital they send their reasons and the notice to the Pennsylvania Insurance Department within ten days. Acting promptly and seeking clarification helps protect and understand one's rights.

  • How can homeowners in Reading review their insurance claim history?

    Residents of Reading can access the C.L.U.E. Home Seller's Disclosure Report to review a property's insurance claim history. To acquire a report, homeowners can visit the LexisNexis website or call (888) 497-0011. This report covers five years of data, including damages, claim types, and insurance payouts. Insurance companies utilize this for setting premiums. Only the property's owner can request the report, though prospective buyers may ask the seller to provide it.

  • 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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