Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Laredo

Our Recommended Top 16

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 Laredo 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.

141Reviewed

91Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
702 South Zapata Highway, Laredo, TX 78043
  • Homeowners

Why choose this provider?

Amco Auto Insurance is an agency with an office in Laredo. Included in its line of products is homeowners' insurance. The company provides clients with home insurance policies that cover a variety of threats including fire, smoke, explosion, wind storm, hail storm, and theft. The team reviews home insurance plans from different providers in order to find policies that will meet homeowners' unique needs. In addition to home insurance, Amco Auto Insurance also offers motorcycle insurance 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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6114 McPherson Road, Laredo, TX 78041
  • Homeowners

Why choose this provider?

Capital Insurance Agency, Inc. is an insurance agency based in Laredo that offers a range of personal, commercial lines, life, and health insurance products. Its insurance agents have over 30 years of experience assisting clients in the process of choosing and purchasing auto, business, property, and homeowners' insurance policies. They help clients select a suitable home insurance policy by presenting different types of coverages, including condo, renters, rental home, and mobile home 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 (2)
Facebook
5.0 / 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

Website
4815 San Bernardo Ave., Laredo, TX 78041
  • Multiple Policy Types

Why choose this provider?

Since 2006, South Texas Insurance has been serving business owners, families, and individuals throughout the Laredo area. The firm provides a wide selection of insurance policies, such as homeowners', commercial auto, life, general liability, workers' compensation, and truck insurance. Founder and owner Rosie Castillo has been working in the industry for more than 20 years. South Texas Insurance also handles tax preparation and notary public services. It has offices in San Bernardo Avenue and San Salvador Street.

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 (33)
Facebook
5.0 / 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

Website
1020 Washington Street, Laredo, TX 78040
  • Homeowners
  • Multiple Policy Types
  • Condos
  • Renter's Insurance

Why choose this provider?

Protection Insurance Agency in Laredo is an independent firm that offers personal and business insurance products. The company was formed in 1994 by Diamantina Luna, an insurance broker that specializes in auto, home, and commercial insurance lines. The firm also offers homeowners' insurance plans that protect policyholders and their homes from losses, thefts, personal injury liabilities, water backups, and natural disasters. The policies can also be extended to protect personal belongings and other items.

License Verified:

License: 19786

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 (20)

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
201 W Del Mar Blvd, Suite 20, Laredo, TX 78041
  • Renter's Insurance

Why choose this provider?

AlphaSure Affordable Insurance Services caters to residents of Laredo and the surrounding areas by providing them with homeowners' insurance policies. These contracts guard against damage due to natural disasters and man-made incidents. These risks range from repairable cracks to total loss. The agency also delivers protection for personal properties inside the premises. It offers products from various providers such as Infinity, National General, and Kemper. AlphaSure was established in 2003 and is an independent insurance agency.

License Verified:

License: 1082018

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
4.7 / 5 (37)
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
502 US-83 #1, Zapata, TX 78076
  • Renter's Insurance

Why choose this provider?

South Texas Insurance Agency lists the Laredo metro as one of its service areas. As an independent insurance agency, it performs a variety of insurance solutions, including guidance on choosing from different insurance carriers, assistance on homeowners' protection plans, and consultation on risk management. Its agents help clients in choosing from a range of insurance protection plans, from car and boat to renters' and Sr 22 insurance. The agency also provides insurance plans for business owners.

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 (31)
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

Website
213 NW Lorna St, Laredo, TX 76028
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Established in 2001, Quote Texas Insurance serves residential property owners in Laredo and the neighboring areas. It provides homeowners' insurance for various living spaces, including bungalows, condominiums, and farmhouses. It safeguards clients from facing financial burdens from unexpected accidents like crashing vehicles or aircraft, explosions, riots, and other civil commotions that cause property damage. Other covered events include fire, lightning, theft, and vandalism. The company also provides third-party liability claim protection. It uses an eight-step process to determine and understand clients' needs.

License Verified:

License: 17017

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 (142)
Facebook
4.8 / 5 (42)

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
3120 North Arkansas Avenue, Laredo, TX 78043
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Herman Dominguez - State Farm Insurance Agent aims to provide a sense of security to homeowners through insurance policies that protect their properties from unexpected events. The Laredo-based company offers insurance policies that help in the repair and replacement of homes and belongings. These policies cover holders' personal property even if they are not at home due to errands or vacation. State Farm is trusted by many homeowners needing insurance coverage based on data from S&P Global Market Intelligence.

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 (11)

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 West Village Boulevard, Laredo, TX 78041
  • Homeowners

Why choose this provider?

Phoenix Insurance Group is a full-service insurance agency that serves clients in the Laredo area. It provides an array of home insurance policies to protect homeowners from unexpected circumstances in the future. It also offers risk protection packages for commercial properties, life, automobiles, and health. Its policies are tailored to meet every customer's needs and goals. Its customer support services are available 24/7, making it easier for clients to get assistance. The agency has been in business since 2013.

License Verified:

License: 1871532

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
Facebook
4.5 / 5 (42)
Google
4.1 / 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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7917 McPherson Rd #208, Laredo, TX 78045
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Kevin Romo is a State Farm insurance agent offering coverage for homeowners in Laredo. The company's house insurance covers damages incurred from natural disasters such as lighting, wind, or hail; incidentas of theft, fires, or vandalism; and faulty HVAC or plumbing systems. It also covers personal effects, from keepsakes like jewelry to home and gardening equipment like lawnmowers. Kevin also offers auto, renters', life, business, and health insurance. He can cater to Spanish-speaking clients.

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 (9)
Facebook
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

Website
9902 McPherson Rd 6, Laredo, TX 78045
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Condos

Why choose this provider?

Delgado Insurance Agency is a Laredo-based company that offers various insurance policies. Included in its line of products is home insurance. The agents provide clients with different home insurance quotations from major providers. A home insurance policy protects the exteriors and contents within a home from most natural disasters. It also includes coverage for stolen items and property damage that resulted from vandalism. Delgado Insurance Agency has been assisting clients with their insurance needs for more than 20 years.

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 (58)

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
6108 McPherson Road, Laredo, TX 78041
  • Renter's Insurance
  • Personal Property Insurance
  • Flood

Why choose this provider?

Aschere Insurance Group is a homeowners insurance agency that serves families residing in Laredo and the surrounding areas. Its team of home insurance specialists is skilled in customizing a plan according to the homeowner's needs. Their basic home insurance policy includes living expenses, medical expenses, personal properties, and property coverage. Clients can also add automobile, earthquake, flood, jewelry, or personal umbrella insurance to their policy. Aschere Insurance Group also offers other products such as business insurance and general liability 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 (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

Website
8610 McPherson Rd Suite 130, Laredo, TX 78045
  • Multiple Carriers

Why choose this provider?

Insurance Plus is a local agency that caters to clients in Laredo and the surrounding areas. It provides homeowners' insurance policies and helps customers choose coverage options based on their needs. In addition, it offers a variety of insurance products for auto, truck, business, health, and life. It represents various insurance carriers, such as Zurich Insurance, Cypress Property & Casualty Insurance Company, Progressive, Dairyland, and Foremost Insurance Group. Its team has over 20 years of experience in the field.

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 (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
Laredo, TX
  • Renter's Insurance
  • Multiple Carriers

Why choose this provider?

Cardenas Insurance is an independent agency that has been serving clients in Laredo since 2019. With 12 years of industry experience, founder Luis Cardenas helps homeowners protect their assets with insurance plans. Home insurance covers house maintenance and repair costs in case of damage to the property. It also pays for lost or destroyed personal items and the cost of living in another place while the house is under repair. Personal liability and natural disaster coverages are also 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
Facebook
4.8 / 5 (26)
Google
5.0 / 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

Website
7100 San Bernardo Ave, Ste. 309, Laredo, TX 78041
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Licona Insurance Group renders its services in Laredo and the surrounding areas. The family-owned agency offers homeowners' insurance that protects clients and their homes from damage caused by extreme weather, fire, theft, and personal injury lawsuits. Its coverage options help repair or replace its customers' properties in case of a loss. The company also provides life, auto, truck, cargo, motorcycle, and commercial insurance. Licona Insurance Group was founded in 1967 by Jesus Licona. His two sons followed in his footsteps and are now operating the business after their father's retirement.

License Verified:

License: 2485258

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.
4.3
Facebook
4.4 / 5 (24)
Google
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

Website
604 Shiloh Dr, Laredo, TX 78045
  • Earthquake

Why choose this provider?

Supreme Insurance Agency is a Laredo-based firm that offers policies for clients looking for financial protection for their homes. Its agents provide HO3 plans for homeowners who need insurance coverage for fire, explosion, smoke, or falling objects. They also cater to residents who need protection from financial losses caused by pest infestations, structural deterioration, power failures, and earth movement. For the agency's main offering of truck insurance, customers are provided with various coverage options, including auto liability, trailer interchange, and physical damage.

License Verified:

License: 2297668

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 (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

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.
  • How much does a Laredo homeowners’ insurance cost?

    The average cost for homeowners’ insurance in Laredo is about $1,597 each year. However, some homeowners pay an average of $732, which means they are saving an average of $865 every year on homeowners’ insurance. Insurance costs can vary significantly based on a range of factors, such as location, home value or replacement costs, and the amount of coverage homeowners choose for their homes, personal belongings, and liabilities.

  • How can home-sharing platforms, such a sAirbnb and Vrbo, affect homeowners’ insurance coverage in Laredo?

    Renting out homes on platforms like Airbnb or Vrbo typically involves short-term stays by guests, creating coverage gaps in Laredo homeowners’ insurance policies. In addition, some insurers require a specific amount of liability coverage before homeowners are permitted to host guests using home-sharing platforms. This form of coverage offers protection to both the host and the guest in the event of possible legal actions stemming from accidents or injuries that occur on the residential property.

  • Why is it important for Laredo residents to review their homeowners' insurance periodically?

    Reviewing homeowners' insurance periodically is important for Laredo residents because they face the risk of damage from severe storms, flooding, and hurricanes. Periodic reviews of insurance policies also help homeowners stay current with changes in property values, risks, policy terms, and personal circumstances.

  • How can homeowners in Laredo add insurance coverage for their home offices?

    Laredo residents who own homes have the option to enhance their insurance coverage for home offices through a policy endorsement. This is particularly advantageous for individuals with home business property valued at under $5,000. An alternative approach involves obtaining an in-home business policy, which provides more extensive protection for both business equipment and liability concerns. For those who hold client appointments at their residences, a business insurance policy is available to cover potential liability exposures.

  • When should Laredo residents consider getting homeowners’ insurance?

    Laredo residents should consider getting homeowners' insurance as soon as they become homeowners or are in the process of purchasing a home. Obtaining home insurance before signing the final contract provides sufficient time to find a suitable home insurance policy and complete the initial payment before the closing process.

  • 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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