Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Texas

Our Recommended Top 15

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Texas 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.

16847Reviewed

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15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Houston

Expertise.com Rating

Why choose this provider?

Baxter Insurance Agency Inc. offers the best services in Texas. It processes various personal protection products, which include homeowners' insurance. The independent company provides customized policies to protect individuals and families from monetary losses in case of unforeseen events like theft, vandalism, and natural disasters. Its specialists also furnish flood and car insurance. They have access to multiple carriers, such as Progressive, Safeco, Foremost, Travelers, and Allstate. Baxter Insurance Agency has been in the industry for over three decades.

Corpus Christi

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (3)

Why choose this provider?

Insure Solutions Group provides the best insurance plans in Texas. It offers various cheap personal protection products, including homeowners' insurance. The independent agency crafts customized personal property, liability, and additional living expense coverage plans. Its specialists assist policyholders in filing claims to secure reimbursements for medical costs and structural damage. They also process renters', flood, auto, and motorcycle insurance. In addition, they serve business owners who want to acquire workers' compensation and cyber liability plans. Insure Solutions Group represents multiple carriers, including Foremost, Chubb, and Encompass.

Austin

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Insurance City provides the best risk management solutions in Texas. It furnishes a variety of personal protection products, which include homeowners' insurance. The independent agency writes customized personal property, loss of use, replacement cost, and liability coverages. It assists policyholders in securing reimbursements for physical injuries and property damage due to fire and theft. In additon, the agency offers auto and life insurance. Insurance City represents over 50 carriers, such as Kemper, Travelers, The Hartford, and Empower.

Corpus Christi

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Why choose this provider?

Drew Becquet operates the best State Farm agency in Texas. He offers a wide selection of insurance products, which include homeowners' policies. He furnishes personal property and liability coverage plans to protect individuals and families from financial losses due to unforeseen events like theft, vandalism, and natural disasters. The agent also provides other personal plans, such as health, life, motorcycle, and auto insurance. In addition, Becquet processes various types of commercial insurance. He serves as a board member of the Coastal Bend Home Builders Association.

Corpus Christi

Expertise.com Rating

Review Sources

Google
4.7 (6)
Facebook
5.0 (5)

Why choose this provider?

Sage Choice Insurance offers risk management solutions in Texas. Its array of the most affordable personal protection products includes homeowners' insurance. The independent company writes customized policies to protect families and individuals from financial losses due to perils like natural disasters and theft. It helps policyholders secure reimbursements for structural damage and missing valuables. It also furnishes coverages for condominiums and cars. Additionally, Sage Choice Insurance serves business owners who want to obtain BOP and workers' compensation insurance.

Plano

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Why choose this provider?

Chelsea Terry operates the best State Farm agency in Texas. She helps families and individuals acquire the best homeowners' insurance plans to protect them from unforeseen events like hail, fire, vandalism, and theft. This insurance cover policyholders' medical expenses and personal valuables, including pieces of jewelry and art collectibles. The insurance specialist also furnishes other personal protection policies, such as health, life, auto, motorcycle, and renters' insurance. In addition, she provides investment and retirement planning assistance. She is fluent in Spanish.

Houston

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Why choose this provider?

The Vanguard Agency offers the best insurance products in Texas. It processes homeowners' insurance plans, which include personal liability, dwelling, and loss of use coverage. This type of insurance protects individuals and families from unforeseen events like theft, vandalism, and natural disasters. The independent company also helps clients acquire other personal policies, such as life, classic car, motorcycle, earthquake, and flood insurance. It works with CNA, Chubb, Progressive, Safeco, and Travelers. Principal agent Humberto Garcia has been in the industry for over 15 years.

Garland

Expertise.com Rating

Review Sources

Google
4.9 (133)
Facebook
5.0 (14)
Yelp
3.8 (8)

Why choose this provider?

Ashley Orf is an insurance specialist who offers the best services in Texas. She serves individuals and families who want to purchase cheap homeowners' insurance plans. She processes personal property and liability coverages to protect clients from financial losses in case of perils like theft, vandalism, and fire. The agent also provides other personal insurance products, which include health, life, renters', auto, and motorcycle policies. In addition, Orf deals with estate planning. She can provide services in Spanish.

Plano

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Why choose this provider?

Michael Fortado has been operating the best State Farm agency in Texas since 2019. He offers various personal protection plans, which include homeowners' insurance. He furnishes personal property and liability coverages to secure reimbursements for structural damage and medical costs in case of fire, theft, and vandalism. The insurance agent also processes life, health, pet medical, auto, and motorcycle insurance. Fortado was given the Agent Aspirant of the Year Award in 2016. He accommodates clients who speak Spanish.

Houston

Expertise.com Rating

Review Sources

Google
4.9 (243)
Facebook
5.0 (22)
Yelp
4.1 (7)

Why choose this provider?

David Cohen is an insurance specialist who serves individuals and families in Texas. He provides a variety of cheap personal insurance products, including homeowners' insurance. He and his team write the best coverage plans to help clients secure reimbursements for physical injuries and property damage caused by fire, theft, and vandalism. They also offer life, health, and auto insurance. Cohen has been a part of State Farm for over three decades. His agency was nominated for the State Farm Crystal of Excellence Award.

Arlington

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Why choose this provider?

Cecy Diaz Win is a State Farm insurance agent who caters to individuals and families in Texas. She processes the best personal protection products, which include homeowners' insurance. She furnishes personal property and liability, helping policyholders file claims to secure reimbursements for structural damage and physical injuries due to natural disasters and theft. The specialist also writes life, health, auto, motorcycle, and pet medical insurance. In addition, Win provides retirement and investment planning solutions. She offers services in Urdu and Spanish.

Austin

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Sentry Agency serves the insurance needs of individuals and families in Texas. Its selection of cheap personal protection plans includes homeowners' insurance. The independent company writes customized policies, which cover clients' investment properties and personal belongings. Its agents assist policyholders in filing claims to secure reimbursements for content and structural damage due to perils like natural disasters and theft. They also offer auto insurance solutions. Sentry Agency has been in the industry since 1974.

College Station

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Why choose this provider?

Jeff Hamilton is an insurance agent who provides the best risk management solutions in Texas. He writes homeowners' insurance plans, which include liability, personal property, and additional living expense coverages. This type of insurance protects policyholders from financial losses caused by unexpected events like fire, hail, theft, and vandalism. The specialist also offers other personal protection products, such as health, life, motorcycle, and auto insurance. Hamilton has been a part of State Farm for more than two decades.

Corpus Christi

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.8 (4)

Why choose this provider?

Star Advantage Insurance is a locally owned and operated company that caters to individuals and families in Texas. It provides cheap personal protection plans, helping clients obtain homeowners' insurance. This type of insurance covers policyholders' medical costs and personal properties in case of unforeseen events like fire, hail, theft, and vandalism. The independent agency also writes policies for townhomes, condominiums, recreational vehicles, and motorcycles. In addition, its agents process workers' compensation, contractors' liability, and surety bond insurance. Star Advantage Insurance has been in operation since 2005.

Houston

Expertise.com Rating

Why choose this provider?

Founded in 2009, Rafail Insurance Agency provides the best services in Texas. It offers risk management solutions, helping individuals and families obtain homeowners' insurance. This type of insurance includes personal property, liability, and loss assessment coverages. The independent company also writes policies for townhouses, condominiums, farms, and ranches. Additionally, its agents process builders' risk and workers' compensation insurance. President and principal broker Mark Rafail was given The National Academy For Best-Selling Authors Award in 2013.

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.
  • 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.

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