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Best Homeowners Insurance Agencies in Fort Worth

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Crawford Insurance Agency logo
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Crawford Insurance Agency

700 W Harwood Rd Ste A, Hurst, TX 76054
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  • Renter's Insurance
  • Condos
  • Homeowners

Business Description

Founded in 2015, Crawford Insurance Agency is a family-owned and operated, independent insurance agency located in Hurst, Texas, and serving the Fort Worth, Texas, metro area. Barry Crawford, the agency principal, has been working in the insurance industry since 1984. Crawford Insurance Agency provides comprehensive homeowners insurance offerings for a variety of dwellings, which include houses, condos, apartments, and townhomes. The agency also offers vehicle, commercial, life, and renters 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.
4.6
Facebook
4.6 / 5 (6)

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
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Cris Taylor Insurance logo
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Cris Taylor Insurance

5905 Jacksboro Hwy, Fort Worth, TX 76114
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  • Homeowners

Business Description

Cris Taylor Insurance offers homeowners' insurance plans for clients in Fort Worth that cover losses and damages from storms, fires, burglary, and other unforeseen events. As a full-service insurance agency, it also offers insurance products for cars, businesses, and general liability commercial insurance. Cris Taylor is a local insurance agent who values a personalized professional relationship with his clients. He also provides annual insurance policy reviews for his clients to identify gaps that might have opened up in the previous year.

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 (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
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Detail
DFW Metropolitan Insurance Group logo
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License Verified:

License: 2704611

Texas Department of Insurance

DFW Metropolitan Insurance Group

6751 Rufe Snow Dr. Suite 900, Watauga, TX 76148
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  • Multiple Policy Types

Business Description

DFW Metropolitan Insurance Group serves families and individuals in the Fort Worth metro. It processes different types of personal protection plans, including homeowners' insurance. The agency protects policyholders from financial losses resulting from unexpected perils like natural disasters, theft, and vandalism. It also offers life and auto insurance policies. In addition, it furnishes business insurance that covers a small enterprise's assets. Owner Marcus Smith has been in the insurance services industry for more than a decade.

License Verified:

License: 2704611

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.
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fred Flores Integra Insurance Services logo
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Fred Flores Integra Insurance Services

1417 W. Berry St., Fort Worth, TX 76110
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  • Personal Property Insurance
  • Homeowners

Business Description

Fred Flores Integra Insurance Services is an independent company that helps secure the finances of residents and businesses within the Fort Worth metro. It offers homeowners', RV, and commercial and business insurance policies. Its partner agent, Fred Flores, was a former Allstate agency owner who has a background in business. Its mother company is a multi-location agency that became a regional firm in 1998. It serves its clients through insurance carriers, such as Berkshire Hathaway, Foremost, Liberty Mutual, and Homeowners of America.

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 (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
Got Coverage logo
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Got Coverage

2833 Crockett St Ste 130, Fort Worth, TX 76107
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  • Renter's Insurance

Business Description

Got Coverage is an insurance company that offers homeowners' insurance plans to individuals and families in Fort Worth. It also provides other personal insurance products, including car, motorcycle, boat, personal item, and renters' insurance. In addition, it offers commercial insurance policies, including trucking, roadside, and financial guarantee insurance. Got Coverage is a local insurance agency founded by Renato Miljatovic under a sole proprietorship in 2009. Its team of professionals has more than 20 years of combined experience in the insurance industry.

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 (9)
Google
5.0 / 5 (6)

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
Graham Insurance Group, Inc. logo
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Graham Insurance Group, Inc.

2914 SE Loop 820, Fort Worth, TX 76140
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1992, the Graham Insurance Group, Inc. serves Fort Worth, Texas, with offices in three other states. The company offers auto, home, contractor, and restaurant insurance from a range of carriers. Its select group of insurance companies provides a consistent customer-focused response and competitive pricing. Graham offers personal vehicle insurance for autos, boats, motorcycles, and motor homes. Homeowners may opt to include flood insurance to their policies. Commercial vehicles and special events insurance packages are available.

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
4.9 / 5 (43)
Facebook
4.8 / 5 (18)
Yelp
3.0 / 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
Insureberry logo
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Insureberry

5500 Lower Birdville Rd, Haltom City, TX 76117
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  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

Business Description

Homeowners and renters in Fort Worth, Texas, can work with agents at Insureberry Insurance Agency to create a home insurance plan that suits their needs and budget. The company works with a long list of carriers including Travelers, Safeco, Progressive, and The Hartford to offer homeowners and renters insurance policies that protect customers' homes and some of the belongings inside them. Insureberry Insurance Agency also offers auto, farm, and ranch insurance, as well as auto and commercial 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.
4.8
Google
4.8 / 5 (283)
Facebook
5.0 / 5 (10)

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
James Little Agency logo
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James Little Agency

9500 Ray White Rd Ste 200, Fort Worth, TX 76244
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  • Renter's Insurance
  • Flood
  • Homeowners
  • Landlords

Business Description

James Little Agency serves the home insurance needs of residents in the greater Fort Worth, Texas, and Tarrant County area. Doing business since 1997, this independent insurance agency's team of licensed professionals assist homeowners in assessing their risks so that the policies they buy match their needs. It also offers period coverage reviews to help policyholders keep up with their evolving insurance needs. The agency's affiliations with leading insurers let it help customers get the best service, coverage, and 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 (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
James Vandespyker logo
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License Verified:

License: 2310864

Texas Department Of Insurance

James Vandespyker

5344 North Tarrant Parkway, Fort Worth, TX 76244
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  • Homeowners

Business Description

James Vandespyker is an insurance agent servicing Fort Worth and its surrounding areas. He is focused on providing homeowners' insurance, as well as other insurance products and services for for automobiles, life, and small businesses. In addition, he handles financial and resident relocation services. The company he founded, James Vandespyker Insurance Agency, Inc., is composed of professionals that are always ready and committed to providing satisfactory assistance to its patrons.

License Verified:

License: 2310864

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.
5.0
Google
5.0 / 5 (174)
Facebook
5.0 / 5 (19)
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
Kendrick Parker logo
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License Verified:

License: 1907986

Texas Department of Insurance

Kendrick Parker

5658 West Creek Dr., Fort Worth, TX 76133
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  • Condos
  • Homeowners

Business Description

Kendrick Parker is an insurance agent who caters to clients seeking financial security in the Forth Worth metro. A State Farm affiliate, he offers a wide range of insurance products, such as home, auto, business, and life insurance. Parker and his team aim to assist individuals in preparing for the risks of everyday life by securing insurance plans. They hold a combined experience of 20 years in the industry. The team houses staff members who can speak English and Spanish.

License Verified:

License: 1907986

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.
4.6
Facebook
4.8 / 5 (36)
Yelp
3.5 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kevin Luong Insurance Agency logo
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Kevin Luong Insurance Agency

3189 Denton Hwy Ste 10, Haltom City, TX 76117
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  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Homeowners
  • Landlords

Business Description

Founded in 2007, the Kevin Luong Insurance Agency is a family-owned, independent insurance agency located in Haltom City, Texas, and serving customers in the Fort Worth, metro area. The Kevin Luong Insurance Agency partners with a variety of insurers, including Allstate, Foremost, and Progressive. The agency's home insurance offerings include ?homeowners, condo, renters, and landlord insurance. The agency also offers auto and business insurance and does business in English, Spanish, and Vietnamese.

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 (58)
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
Lone Star Insurers Paul Jacobs Agency logo
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License Verified:

License: 2077391

Texas Department of Insurance

Lone Star Insurers Paul Jacobs Agency

8101 Boat Club Road, Fort Worth, TX 76179
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  • Renter's Insurance
  • Homeowners
  • Landlords

Business Description

Lone Star Insurers Paul Jacobs Agency is a family-owned and family-operated business established in 2000. It is an independent agency that provides a selection of personal lines of insurance. The company helps families and individuals obtain homeowners' insurance, which includes personal liability and property, dwelling, medical payment, loss of use, and other structure coverages. It also deals with auto, umbrella, and workers' compensation insurance. Lone Star Insurers Paul Jacobs Agency brings over 150 years of combined industry experience.

License Verified:

License: 2077391

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.
4.8
Google
4.8 / 5 (45)

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
Low Cost Insurance logo
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License Verified:

License: 6198

Texas Department of Insurance

Low Cost Insurance

5501 Jacksboro Hwy. Ste.600, Fort Worth, TX 76114
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  • Fire
  • Homeowners

Business Description

Low Cost Insurance offers products and services to families and individuals in the Fort Worth metro. It provides homeowners' insurance to protect clients from financial losses caused by unexpected events like theft, vandalism, and natural disasters. The company also crafts liability protection and medical coverages for policyholders' injured guests. It is an independent agency that works with multiple carriers in creating personalized insurance coverages. Low Cost Insurance has been in business for over 25 years.

License Verified:

License: 6198

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.
4.4
Google
4.4 / 5 (80)
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
Peter Polinsky Insurance Agency logo
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License Verified:

License: 820404

Texas Department of Insurance

Peter Polinsky Insurance Agency

8751 Camp Bowie West Blvd Suite 124, Fort Worth, TX 76116
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  • Homeowners

Business Description

Peter Polinsky Insurance Agency has been serving clients in Fort Worth for more than 20 years. It offers homeowners' insurance plan that reduces financial risks linked to fires, floods, theft, and vandalism. The agency also provides insurance packages for any business, from plumbers to electricians. Owner Peter Polinsky is an independent insurance agent who accommodates clients with valid identification, including a driver's license or a voter's ID. He also accepts high-risk clients and those who have had a DWI.

License Verified:

License: 820404

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.
4.6
Google
4.6 / 5 (17)

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
Phil Davis logo
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License Verified:

License: 1043183

Texas Department of Insurance

Phil Davis

262 Carroll Street, Suite 27, Fort Worth, TX 76107
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  • Homeowners

Business Description

Phil Davis is an independent insurance agent serving individuals and families in Fort Worth. He has been in the industry for over 18 years and is the owner and principal agent of Phil Davis Integra Insurance Services. He offers a variety of products, such as homeowners', life, health, and auto insurance. He aims to help clients protect their properties and possessions through his homeowners' insurance policy. Phil represents various carriers, including Allstate, Bankers, Encompass, and Centauri.

License Verified:

License: 1043183

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.
5.0
Google
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
Rainbow Insurance Agency logo
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License Verified:

License: 1941736

Texas Department of Insurance

Rainbow Insurance Agency

2929 Cleburne Rd, Fort Worth, TX 76110
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  • Earthquake
  • Flood

Business Description

Rainbow Insurance Agency is a family-owned business that offers services to individuals and families in the Fort Worth metro and the surrounding communities. It accommodates clients who need assistance in obtaining homeowners' insurance. The company helps policyholders protect their properties from unforeseen events like fire, flood, hurricane, and earthquake. It also serves business owners by providing them with liability and workers' compensation coverages. Rainbow Insurance Agency crafts personalized policies suited to its clients' budget and needs.

License Verified:

License: 1941736

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.
4.5
Google
4.6 / 5 (68)
Facebook
4.5 / 5 (17)
Yelp
1.0 / 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
Sujey Insurance logo
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Sujey Insurance

4801 E Belknap St, Haltom City, TX 76117
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Located in Haltom City, Texas, area and serving the Fort Worth area, Sujey Insurance is an independent insurance company. Established in 2008, it partners with a select number of insurance providers. Homeowners receive competitive pricing for comprehensive coverage of repairs to their structure as well as replacement value in the event of fire or other natural disasters, with personal property riders available and liability insurance to both the homeowner and those injured 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.
5.0
Google
5.0 / 5 (40)
Facebook
5.0 / 5 (23)

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
Toole Insurance Group logo
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Toole Insurance Group

128 Northwest Ellison Street, Burleson, TX 76028
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  • Renter's Insurance

Business Description

Toole Insurance Group is a family-owned and operated agency that can offer independent advice to clients looking for home insurance. Its agents can source policies from major players in the industry, such as Progressive and MetLife, and tailor them to ensure their clients get the full coverage they need. This could include repairs to storm-damaged properties, living costs if the family has to temporarily relocate, and replacement costs of lost personal items.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
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
TWFG Aaron White Insurance logo
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License Verified:

License: 1603988

Texas Department of Insurance

TWFG Aaron White Insurance

6012 Reef Point Lane, Suite K, Fort Worth, TX 76135
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  • Multiple Policy Types

Business Description

TWFG Aaron White Insurance serves individuals and families in Fort Worth and its nearby areas. The agency helps clients find and purchase adequate homeowners insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their homes. Its homeowners' policies can also provide coverage for liability and medical payments in case a guest is injured on the client's premises. The agency has been in business since 2011 and also offers life, health, and auto insurance plans.

License Verified:

License: 1603988

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.
4.5
Facebook
4.5 / 5 (38)
Google
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
Walters Insurance Services, LLC logo
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Walters Insurance Services, LLC

3417 Wellington Rd, Suite K, Fort Worth, TX 76116
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  • Renter's Insurance
  • Multiple Carriers
  • Multiple Policy Types

Business Description

Walters Insurance Services, LLC, has been providing services and products to clients in Fort Worth and the surrounding communities for over 10 years. The company handles personal insurance plans such as automobile, home, classic car, umbrella, and short-term rental. Its staff assists clients with homeowners' insurance coverage options which include additional living expenses, actual cash value of belongings, replacement cost policies, and liability to others. Walters Insurance Services also offers term and whole life 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.
5.0
Google
5.0 / 5 (4)
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.
4.0
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.

Read all FAQs