Expertise.com

Best Homeowners Insurance Agencies in El Paso

2023

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Website
1444 Montana Suite 201, El Paso, TX 79902
  • Multiple Carriers

Why choose this provider?

Since 2010, Mt. Franklin Insurance has been helping residents in and around El Paso navigate the home insurance market. The independent agency provides homeowners' insurance policies that protect individuals and families from unexpected events, such as theft, fire, or natural disasters. It also offers liability protection and medical coverage if a house guest is injured. Mt. Franklin Insurance was founded by El Paso locals Bill Carvajal and Shane Lipson, who collectively have over 45 years of industry experience. Liberty Mutual, Progressive, and Travelers are among the carriers that the agency works with.

License Verified:

License: 2179820

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 (133)
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
120 E Redd Rd. Suite E, El Paso, TX 79932
  • Multiple Carriers

Why choose this provider?

Sun City Insurance provides solutions for the property security of clients in and around the El Paso area. It provides a variety of insurances, including those for homeowners. It also offers other insurance products such as auto, boat and yacht, condo, and renters. The company provides options for commercial insurance like transportation, specialty construction, casualty, and workers' compensation. Sun City Insurance works with multiple established insurance companies that include Burns & Wilcox, GNP Seguros, and Hallmark.

License Verified:

License: 1693009

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.
4.1
Google
4.0 / 5 (11)
Facebook
4.5 / 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
8201 Dyer Street, El Paso, TX 79904
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

Pan American Insurance is a full-service insurance company that has been serving the El Paso metro area since 1988. Agents at the firm assist homeowners and renters to obtain protection against property damage, asset losses, extra living expenses, and injury liabilities after an emergency, disaster, or any unfortunate event. The company also represents several insurance companies whose policies cover automobiles, recreational vehicles, flood damages, and businesses. Past clients have praised the firm for its 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.
4.7
Google
4.7 / 5 (37)

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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail

Website
7699 Alameda Ave, El Paso, TX 79915
  • Renter's Insurance

Why choose this provider?

Colonial Insurance Agency provides services to individuals, families, and businesses in the El Paso metro and the surrounding areas. It offers homeowners' insurance policies, which pay for unexpected property damage due to natural disasters, theft, and vandalism. The product also covers medical expenses when a guest gets injured in the policyholder's home. In addition, the firm provides automobile, general liability, and workers' compensation insurance plans. Colonial Insurance Agency represents different insurance carriers, like Bristol West, GAINSCO, and Progressive.

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)
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

Website
1441 North Zaragoza Road, El Paso, TX 79936
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Farpon Auto Insurance is a local insurance agency that serves individuals and families in the El Paso area. This firm works with over 20 different insurance carriers to provide its clients with policies that match their needs and priorities. For over 15 years, Farpon Auto Insurance has been making a name as a dependable homeowners insurance agency that can provide home property protection at competitive rates. Farpon Auto Insurance also offers auto insurance and business 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
4.8 / 5 (153)
Facebook
5.0 / 5 (17)
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
6633 N. Mesa St, Ste 201, El Paso, TX 79912
  • Multiple Policy Types

Why choose this provider?

Jaime Portillo operates a State Farm insurance agency serving clients in El Paso. He offers homeowners' insurance that provides coverage for the loss of a home and its contents due to unforeseen events that include fire, theft, and disasters. Portillo also offers insurance products for automobiles, properties, and businesses. He has been with State Farm for over 30 years and earned the Life Underwriter Training Council Fellow designation. Portillo and his team can provide services in Spanish.

License Verified:

License: 752929

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.
4.7
Google
4.7 / 5 (115)
Facebook
4.4 / 5 (15)

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
9530 Viscount Boulevard, El Paso, TX 79925
  • Renter's Insurance

Why choose this provider?

Robert Truax is a StateFarm insurance agent based in El Paso. Truax offers a variety of insurance products including homeowners' insurance. Home insurance policies provide coverage for disasters caused by wind, hail, ice, or lightning. Aside from this, the insurance product also includes protection for personal possessions, such as cameras, musical instruments, jewelry, and collectibles. This insurance agent provides customer support 24 hours a day. The agent offers Spanish-speaking 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.
4.9
Google
4.9 / 5 (71)
Facebook
5.0 / 5 (47)

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
1855 Trawood Suite 206, El Paso, TX 79937
  • Personal Property Insurance

Why choose this provider?

Aim Insurance Agency caters to clients in El Paso and the neighboring areas. It assists individuals planning to acquire home insurance policies to help them protect their loved ones, investments, and personal belongings. These protection programs cover replacement costs, liability, and the living expenses of policyholders during disasters. The company also gives an option to include flood, umbrella, and floater insurance in existing policies. Aim Insurance Agency has been operating since 1983. Its founder, Adrienne, also offers life and health 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
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
6930 Market Avenue, El Paso, TX 79915
  • Multiple Policy Types

Why choose this provider?

American Agency Insurance is an independent insurance agency that provides services to individuals and businesses located in El Paso. The agency, which was established more than 20 years ago, provides insurance policies for homeowners, personal autos, motorcycles, commercial trucks, and businesses. It represents several insurance carriers to make sure clients have access to a wide range of affordable policies. When searching for insurance policies, American Agency Insurance makes it easier for clients to compare various insurance coverages through its website.

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
4.1 / 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

Website
1200 Golden Key Cir #164, El Paso, TX 79925
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Border City has been serving the insurance needs of clients in El Paso since 2014. Its agents, who also speak Spanish, serve more than 1,400 personal lines clients with over 2,300 protection policies that include homeowners' insurance. They assess the present circumstances of customers and offer recommendations tailored to their inputs. Commercial truck, business, life, and health insurance plans are also available. The agents are available to provide claims support, instant insurance cards, and MVR reports.

License Verified:

License: 1912803

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.
4.0
Google
4.2 / 5 (25)
Facebook
3.7 / 5 (6)
Yelp
2.0 / 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
3921 Montana Ave, El Paso, TX 79903
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Go Insurance is a locally-owned and -operated agency that has been offering insurance protection for families, individuals, and businesses in El Paso since 2012. Its insurance agents offer a standard homeowners' insurance policy that protects homes from injuries, theft, fire, and weather damages. They also provide home insurance with specified coverage options to suit clients' personal financial needs. Go Insurance also serves the insurance needs of condo owners, renters, mobile homes, landlords, and in-home 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.
3.8
Google
3.8 / 5 (9)
Facebook
3.7 / 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.
3.3
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.
  • How much can an individual's credit score affect their El Paso home insurance rates?

    In El Paso, individuals with poor credit may face premiums that are as much as 54% higher than those with good credit. Shoppers with poor credit might encounter rates that are 36% higher than those with average credit, while those with average credit may experience rates that are 19% higher than those with good credit. This disparity could result in an annual insurance cost difference of up to $661.

  • Is there a deadline for filing a homeowners insurance claim in El Paso?

    In El Paso, the time limit for filing a homeowners insurance claim is typically one year from the date of loss, but this timeframe can vary significantly. It's important to review your specific policy and its terms to understand the exact time limit for filing a claim and to follow any special procedures outlined by the insurance company.

  • What types of risks should El Paso homeowners consider in getting insurance?

    El Paso homeowners should consider insurance coverage for a range of risks, including common ones like smoke damage, fire, vandalism, and theft. Additionally, they should be mindful of the unique challenges posed by El Paso's climate, such as windstorms, cold weather issues like frozen pipes, occasional occurrence of earthquakes, and potential monsoon-related flooding for which separate flood insurance may be necessary.

  • Does a homeowners insurance policy provide coverage if you damage a rental property in El Paso?

    As a guest, homeowners insurance policies, personal liability insurance, or renters insurance could potentially provide you partial coverage in the event of accidental damage to a rental property, or causing injury while in El Paso. To secure your coverage, verify with your insurance agent or provider if your policy includes such circumstances. For frequent renters, it's recommended to boost liability coverage for enhanced protection.

  • What home improvement projects can lower home insurance premiums in El Paso?

    In El Paso, home insurance premiums can be reduced through home improvement projects, such as fence installation for theft deterrence; the establishment of a home monitoring system with smoke and fire alarms to enhance security; and the upgrading of structural components like roofs, plumbing, and electrical systems, particularly beneficial for older homes at risk of various hazards. Employing licensed contractors and notifying the insurance carrier about these upgrades may qualify homeowners for premium discounts upon policy renewal.

  • 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.