Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Baytown

Our Recommended Top 13

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 Baytown 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.

56

Reviewed

38

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
888 South Greenville Avenue Suite 134, Richardson, TX 75081
  • Business Insurance
  • Property Insurance
  • Personal Insurance
  • Auto Insurance

Why choose this provider?

Insurance Source of Dallas has been serving individuals, families, and businesses since its founding in 2004. The agency compares insurance options from various carriers, including Allstate, Progressive, Travelers, and Liberty Mutual. Its team helps clients in Baytown and the surrounding metros build adequate homeowners insurance policies with allotment for fire, storm, and personal liability damage like dog bite claims. Insurance Source also provides vehicle coverage and specialty insurance for food trucks, gyms, auto dealerships, and restaurants.

License Verified:

License: 2986338

Texas 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.
4.9
Google
4.9 / 5 (458)
Facebook
5.0 / 5 (99)
Yelp
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

Price: Call for a Quote

Baytown, TX

Why choose this provider?

Need help contacting a Homeowners Insurance Agency in Baytown? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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

Price: Free booking service | Call 848.Book.Pro!

Website
24718 Farm to Market 2100 Suite 106, Huffman, TX 77336
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Why choose this provider?

Texas Insurance Specialists caters to clients in and around Baytown. It offers personal lines of insurance, including the homeowners' policy. This insurance reimburses the cost of repairing a property's structure and replacing its contents after an insured event, such as severe weather, a windstorm, or a kitchen fire. Coverage plans for auto, commercial, flood, and financial liability are also offered. The firm's specialists provide coverage reviews and individually tailored policies from various carriers, including Progressive, Allstate, and Chubb.

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

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
3602 Garth Road, Baytown, TX 77521
  • Multiple Policy Types

Why choose this provider?

A-Z Auto Insurance is a provider in Baytown and offers coverage for homeowners against fire or natural disaster damages. Homeowners whose visitors are injured within their insured property are covered for medical costs under personal liability coverage. Personal items that were stolen or destroyed due to vandalism are reimbursed under homeowners' insurance. A-Z Auto Insurance ensures that all types of clients are accommodated, with Spanish-speaking agents who will help understand insurance policies.

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.
4.3
Google
4.3 / 5 (92)

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
3602 Garth Road, Baytown, TX 77521
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

A-Z Insurance in Baytown isn't tied to one carrier, which allows its licensed agents to offer advice and opinions on the products offered by multiple carriers and help them make the most affordable choices. The agents routinely work with homeowners, assessing their current policies to identify coverage shortfalls, and scouring the products of carriers to find the products that meet their clients' needs. The agency also specializes in auto insurance and can communicate fluently in English and Spanish.

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.
4.3
Google
4.3 / 5 (90)

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
411 North Alexander Drive, Baytown, TX 77520
  • Multiple Policy Types

Why choose this provider?

Trevco Insurance has been providing insurance products and financial services in Baytown and nearby areas since 1990. The company assists individuals and families in safeguarding their homes and personal belongings against disasters through a homeowners insurance policy. Its independent and licensed brokers evaluate coverage options like dwelling, personal assets, owner's liability, loss of use, and additional living expenses from several insurance carriers. Other offerings include auto, health, life, commercial, and general business insurance plans. The company serves clients throughout Texas.

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.
4.6
Google
4.6 / 5 (28)
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
6161 Savoy Drive, Houston, TX 77036
  • Personal Property Insurance

Why choose this provider?

Texan Insurance is a family-owned agency near Baytown with over 40 years of experience providing all types of insurance products and services for homeowners and businesses. Its home insurance policies offer protection against severe storms, fires, burglary, bodily injury claims, and other damages. The agency has renter's insurance options to help safeguard a client's personal belongings from theft, fire, and severe weather. Texan Insurance also provides insurance coverage for watercraft, classic cars, RVs, and condos.

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 (984)
Yelp
4.5 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
608 Rollingbrook Dr, Baytown, TX 77521
  • Multiple Policy Types

Why choose this provider?

Harris County Insurance is a full-service insurance firm that serves the Baytown metro area and nearby localities. The company provides a homeowners insurance policy that can protect individuals and families from costly damages and losses. Its licensed agents evaluate the coverage options of several insurance carriers. These include the dwelling, personal possessions, and homeowner's liability. The company also offers other types of personal, life and health, as well as commercial insurance plans. Its employees are also fluent in Spanish.

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.
4.6
Google
4.5 / 5 (4)
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
700 Park Street, Baytown, TX 77520
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

A.E.X. Insurance is an insurance agency that provides clients around the Baytown area with insurance products. These products may be about the auto, home, health, life, or business. Its homeowners' insurance has multiple coverages for risks when one owns a home. It may include losses brought by fire, burglary, vandalism, earthquake, or other disasters. The agency's other insurance plans include marine, financial guarantee, legal, mortgage, and sprinkler, among many others.

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
4.9 / 5 (22)
Facebook
5.0 / 5 (18)

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
1023 Massey Tompkins Rd suite b, Baytown, TX 77521
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

MG Insurance Agency LLC is an insurance company that caters to the financial needs of residents and businesses in Baytown and surrounding areas. The firm assists individuals in choosing the best homeowners insurance policy among carriers that can adequately protect their homes, personal belongings, and liability against peril. Its licensed agents cater to different types of residences, including single-family homes, mobile homes, and motor homes. Other services include renters, auto, and commercial insurance plans. The company also provides notary services.

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
4.5 / 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
138 Dell Dale Street, Channelview, TX 77530
  • Multiple Policy Types

Why choose this provider?

Pete Dever - State Farm Insurance Agent is a local agency that offers a range of insurance products, with a particular focus on helping residents relocating to the Houston-Summerwood-Bayton metro area and Harris County. The licensed agent has years of experience helping clients evaluate their current levels of coverage, increase coverage where necessary, and consider additional insurance, such as life, health, and auto. Mr. Dever also specializes in various types of insurance for businesses.

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.
4.6
Google
4.6 / 5 (27)
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
6115 Farm to Market 2100, Crosby, TX 77532
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Marek Insurance Agency is a family-owned and operated insurance agency in Baytown that was founded in 1983. The agency customizes its homeowners insurance packages to suit each respective property. It offers policies that guard against theft and insures the client's property against potential damage. Its agents explain the benefits and limitations of each package to their clients to allow them to choose the best one for them. The agency also offers renter's insurance to cover rental properties and their contents.

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 (276)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4611 Garth Road, Baytown, TX 77521
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Amtex Auto Insurance has been providing personal insurance products and services to residents and business owners in Baytown for more than 20 years. The company assists individuals in protecting their homes and personal assets against disasters with a homeowners insurance policy. Independent agents at the firm help customers to obtain proper compensation for structural and personal property damages or losses due to fire, accidents, theft, and other circumstances. They also provide liability protection against lawsuits for injuries that occurred within the residence. Other offerings include auto, motorcycle, renters, commercial, and Mexican 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.
4.6
Google
4.4 / 5 (45)
Facebook
5.0 / 5 (24)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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.
  • Can a contractor waive your homeowners' insurance deductible in Baytown?

    No, it is illegal for a contractor in Baytown to waive your deductible because it is covered by your homeowners' insurance. You must report any offer to waive your deductible to the Texas Attorney General's Consumer Protection Hotline at 800-621-0508. They could be charged with fraud and sentenced to prison or fined heavily.

  • What things you should do when buying homeowners' insurance in Baytown?

    When purchasing homeowners' insurance in Baytown, you must first check the company's license and records to determine whether your insurer is legitimate or has a history of complaints. To get the best deal, you should get price quotes from multiple insurance companies. If your home has sprinkler or fire alarm systems, you may also request a discount.

  • In Baytown, are homeowners' and renters' insurance the same?

    No, Baytown renters' insurance is designed specifically for individuals and families who rent. However, due to their coverage, both policies are nearly identical. Both of them assist policyholders in avoiding out-of-pocket expenses in the event of an unexpected event. Homeowners' and renters' insurance cover the structure of a home, personal belongings, and additional living expenses for property owners.

  • Can homeowners' insurance in Baytown be canceled?

    Yes, homeowners' insurance in Baytown can be canceled at any time. However, you must notify your insurance company to ensure that no coverage lapses occur in order to avoid unpaid claims. If you cancel your insurance, you must also notify your mortgage lender. Once the cancellation is approved, you may be eligible for a refund of the unused insurance premium.

  • How much is homeowners' insurance in Baytown?

    In Baytown, homeowners' insurance typically costs $1,488 per year. However, it still depends on the policyholders' coverage level. If their home value is $200,000, their average annual rate is $1,058; $250,000, the annual average rate is $1,247; $400,000, the annual average rate is $1,630; $500,000, the annual average rate is $1,855; $600,000, the annual average rate is $1,972; and $750,000, the annual average rate is $2,127.

  • 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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