Expertise.com

2024

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Best Homeowners Insurance Agencies in McAllen, TX

Our Recommended Top 7

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 McAllen 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.

86Reviewed

54Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1402 N. 23RD Street, McAllen, TX 78501

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Lette Insurance Agency is an independent insurance agency based in McAllen that offers all types of personal and business insurance products in the surrounding areas. Since 1970, it has been serving families and financially protecting their assets through homeowners' insurance. Its standard policy coverage includes personal property, liability, and medical and living expenses. This agency also gives clients the option to customize the policy and provide additional coverage. Lette Insurance Agency also provides insurance support and services.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

1321 Pecan Blvd Suite A, McAllen, TX 78501

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (5)

Why choose this provider?

Showery Insurance & Financial Services offers homeowners' insurance plans for individuals and families in McAllen. This insurance agency searches and compares various carriers' policies to find one that suits their clients' home and financial background. With more than three decades of experience in the industry, it assists those preparing for living expenses if their home acquires any damages resulting from natural disasters. This company also offers mobile home insurance, RV insurance, and condominium insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

514 South 16th Street, McAllen, TX 78501

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Hope Insurance Agency helps homeowners in and around McAllen protect their properties. It is a homeowners' insurance agency that secures clients' homes and families when there is physical damage to their properties caused by natural disasters. It has provisions for the replacement cost of damages and living expenses for when the home becomes inhabitable due to a disaster. The insurance agency also has liability coverage for clients. Rosa E. Ovalle of Hope Insurance Agency has been in the insurance business for more than 45 years.

  • Flood
  • Personal Property Insurance

208 West Ferguson Avenue, Pharr, TX 78577

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

RG Insurance Agency is a family-owned agency was established in 2009. It offers various insurance products to McAllen and several other areas in Texas. One of its products is home insurance, which protects the clients' homes from any threats and events. The company's experienced staff provides quotes and guides clients in choosing the policy that has the right deductible level and coverage. It also has insurance for renters and mobile homeowners. RG Insurance Agency's other insurance services include auto insurance, life insurance, motorcycle insurance, and RV insurance.

  • Renter's Insurance

800 North 10th Street, McAllen, TX 78501

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
4.0 (7)
Yelp
5.0 (1)

Why choose this provider?

SafeGuard Insurance Agency is a full-service insurance firm that serves the McAllen metro area and nearby communities. It provides customized homeowners' insurance policies for single-family homes. Its independent agents evaluate several insurance carriers and select the best policy that provides adequate coverage for property structures, personal belongings, liability protection, and additional living expenses. Other insurance offerings include property, auto, business, as well as life and health. The company is a member of the Independent Insurance Agents and Brokers of America.

  • Earthquake
  • Flood
  • Fire

2538 Pecan Boulevard, McAllen, TX 78501

Expertise.com Rating

Review Sources

Google
4.8 (9)

Why choose this provider?

1st Hometown Insurance helps businesses, families, and individuals in McAllen mitigate financial risks. This firm works with over 20 insurance companies to assist homeowners and renters in selecting appropriate coverage types. Its insurance agents inform clients of the risks covered by homeowners' policies, including liability claims and personal property loss, and ensure policyholders receive adequate financial protection. They also aid in determining whether extended coverage is necessary. 1st Hometown Insurance also offers life and health insurance options.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

2708 N 10th St Suite C, McAllen, TX 78501

Expertise.com Rating

Review Sources

Google
4.5 (47)
Facebook
5.0 (24)

Why choose this provider?

Amtex Auto Insurance specializes in a range of insurance products including homeowners' insurance. Serving the McAllen area, the agency offers home insurance policies that include coverage for personal belongings. The insurance professionals also provide plans that compensate for lost goods or damaged property due to unexpected events such as fire and theft. Amtex Auto Insurance has been providing insurance services for more than two decades. Its other products include renters' insurance, auto insurance, and motorcycle insurance.

  • Renter's Insurance
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Lette Insurance Agency
1402 N. 23RD Street, McAllen, TX 78501
Showery Insurance & Financial Services
1321 Pecan Blvd Suite A, McAllen, TX 78501
Hope Insurance Agency
514 South 16th Street, McAllen, TX 78501
RG Insurance Agency
208 West Ferguson Avenue, Pharr, TX 78577
SafeGuard Insurance Agency
800 North 10th Street, McAllen, TX 78501
1st Hometown Insurance
2538 Pecan Boulevard, McAllen, TX 78501
Amtex Auto Insurance
2708 N 10th St Suite C, McAllen, TX 78501

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.
  • Is mold or water damage covered by homeowners’ insurance in McAllen?

    Water damage from an unexpected or accidental event, such as a sudden toilet overflow, washer hose break, or pipe burst, is generally covered by homeowners’ insurance in McAllen. If an item grows mold from the sudden water damage, that would also be covered. However, water or mold damage developing from gradual leaks is excluded. Also excluded is mold caused by a flood. You’ll need to purchase a separate coverage for flood damage, as most policies don’t include this peril.

  • What sort of discounts do homeowners’ insurance providers usually offer in McAllen?

    Insurance companies commonly offer discounts if a home has features that reduce risks as that would mean a lower potential for claims. These features include surveillance or security systems, carbon monoxide and fire alarm systems, and security monitoring services. Some McAllen insurers offer discounted rates for houses with impact-resistant roofs. Also, policyholders with a clean claims history usually get deductions.

  • How can you save on homeowners’ insurance costs in McAllen?

    You can save on insurance costs by bundling your homeowners’ insurance policy with another policy like auto insurance from the same provider. Paying your premiums for the whole year upfront or setting up an automatic payment system also reduces the administrative costs of maintaining your policy. To lower their premiums, some policyholders choose to take on a higher deductible. Also, ask your McAllen insurer if they offer discounts for getting your house fitted with a security or alarm system.

  • Will homeowners’ insurance reimburse medical expenses if someone gets hurt in your home in McAllen?

    Yes. This is addressed under the liability coverage that most homeowners’ insurance policies have. Liability coverage reimburses medical expenses related to a guest getting injured in your home. Additionally, if the guest sues you for injury compensation, this coverage may also pay for your attorney fees. If your McAllen property has additional injury risks, such as a swimming pool or a dog of an aggressive breed, make sure to have these covered in your policy.

  • What should you consider when determining how much homeowners’ insurance coverage you need in McAllen?

    First, consider your house’s age and condition. Old houses may be more prone to damage and need expensive repairs versus new houses. Also, consider natural disaster risks. McAllen is located in the Rio Grande Valley, which has a flooding risk. You may need to buy additional coverage for flood damage. Another cost to include in your calculation is the value of your personal belongings. Make sure your insurance coverage is enough to pay for their replacements if damaged.

  • 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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