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Best Homeowners Insurance Agencies in Edinburg

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Access Insurance Agency logo
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Access Insurance Agency

US-281 ste b, Edinburg, TX 78539
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  • Multiple Policy Types

Business Description

Access Insurance Agency is a homeowners' insurance agency in Edinburg that has been attending to the insurance needs of the metropolitan residents for more than 35 years. Its team of insurance specialists focuses on helping families and independent professionals in finding the right home insurance that suits their budget and situation. It also offers condo insurance, earthquake insurance, flood insurance, and renters insurance products. Access Insurance Agency operates based on the principles of choice, flexibility, and personalized 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
4.0 / 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
Amco Auto Insurance logo
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Amco Auto Insurance

710 South Closner Boulevard, Edinburg, TX 78539
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  • Multiple Policy Types

Business Description

Amco Auto Insurance, an insurance agency in Edinburg, has been in the business since 1998. The company's products include various insurance policies that involve auto, home, and Mexico coverage. The home insurance that its agents offer can cover losses and damages to the client's property and the assets inside the house. They can also provide coverage for liability in case an accident occurs in the home or on the property.

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.
4.1
Google
4.3 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Carina Ramos Insurance & Associate logo
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Carina Ramos Insurance & Associate

3109 South Alamo Road, Edinburg, TX 78542
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Carina Ramos Insurance & Associate is an Edinburg-based insurance agency that helps homeowners protect their assets. Its independent agents walk clients through the process of obtaining a policy that best suits their financial backgrounds and type of home. Their homeowners' insurance plans also cover sheds and detached garages on the property. Aside from stand-alone homes, the agency offers coverage for condominiums and tenants' personal belongings. Carina Ramos Insurance & Associate provides financial solutions for clients who need life, vehicle, or 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 (16)
Facebook
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
Friendly Insurance logo
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Friendly Insurance

1727 West University Drive, Edinburg, TX 78539
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

Friendly Insurance partners with various insurance providers to offer homeowners' insurance policies to clients in the Edinburg area. Among the properties that the local agency handles are condominiums, mobile and manufactured homes, specialty homes, and vacant homes. It helps clients protect their property from water damages through its flood protection rider. As an insurance broker, it offers various coverage options from multiple carriers that can address the clients' coverage needs. Friendly Insurance also offers 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
Facebook
5.0 / 5 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Greenspoint Insurance-Financial logo
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Greenspoint Insurance-Financial

2002 West University Drive, Edinburg, TX 78539
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Greenspoint Insurance-Financial offers coverages to homeowners in Edinburg. It assists clients in creating custom homeowners' insurance policies that can fulfill their coverage requirements. As an independent agency, it represents a number of insurance carriers, such as Homeowners of America, Zurich, and Cypress Property & Casualty Insurance Company. It provides assistance in completing appropriate application forms and in filing insurance claims. Other policies that the company offers include auto, business, general, and health 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
4.2 / 5 (5)
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
Robert Elizalde - State Farm Insurance Agent logo
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Robert Elizalde - State Farm Insurance Agent

5107 S Mccoll Rd, Edinburg, TX 78539
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  • Multiple Policy Types

Business Description

Robert Elizalde is a State Farm insurance agent who has been serving clients in the surrounding areas since 1990. He and his team share more than 65 years of experience advising on the best coverage and arranging policies for homeowners. The licensed agent can also discuss coverage for the home's contents to protect the owner against fires, flooding, and accidents. Additionally, Mr. Elizalde handles coverage for health care costs, drivers, businesses, and life.

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
Facebook
5.0 / 5 (14)

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
Shepard Walton King Insurance Group logo
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Shepard Walton King Insurance Group

1906 East Tyler Avenue, Harlingen, TX 78550
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  • Flood
  • Personal Property Insurance

Business Description

Shepard Walton King Insurance Group serves customers in the Edinburg metro area who need the right coverage for their homes at an affordable premium. Founded in 1995, the company has years of experience providing coverage for misfortunes, such as fires in the home, burst pipes, and structural damage caused by natural disasters. It can also provide limited liability coverage against visitors injured while on the property. Shepard Walton King Insurance Group has additional offices in McAllen, Austin, and Houston.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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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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