Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Midland

Our Recommended Top 12

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 Midland 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.

87Reviewed

57Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4432 South Loop 289, Lubbock, TX 79414

Expertise.com Rating

Review Sources

Google
4.3 (29)

Why choose this provider?

Serving the Midland area, Hettler Insurance Agency is a company providing clients with homeowners insurance policies. This company's independent agents are able to recommend policies from a over a dozen different providers, including Metlife, Progressive, and Safeco. Its team can also secure special coverage for non-traditional housing units and structures, such as tiny homes and barns. Hettler Insurance Agency has been in the homeowners insurance industry for over 25 years.

  • Fire
  • Multiple Carriers

1302 North Big Spring Street, Midland, TX 79701

Expertise.com Rating

Review Sources

Google
4.8 (11)

Why choose this provider?

Area Insurance Services, Inc. is a Midland-based insurance agency serving clients within the area. The business provides homeowners' insurance solutions to help protect clients financially against disasters. Its homeowners' insurance can cover fire incidents, natural disasters, theft and vandalism, and personal liability. The company's insurance agents also offer automobile, oil and gas, surety bond, business and commercial, and general liability insurance plans. Area Insurance Services has been operating for more than 30 years.

  • Multiple Carriers
  • Multiple Policy Types

1541 John Ben Shepperd Parkway, Odessa, TX 79762
WebsiteLicense: 1555001

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Chris Wray is an insurance agent catering to the needs of homeowners in and around Midland. His agency offers insurance policies that can protect homes and belongings against damages resulting from fires, theft, natural disasters, and other accidents. These plans can cover valuable items, such as jewelry, appliances, electronics, furniture, and sports equipment. Wray started his agency under State Farm in 2009, helping individuals and families with financial and insurance solutions. He and his team have a combined experience of 35 years in the insurance industry.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

2302 West Wadley Avenue, Midland, TX 79705

Expertise.com Rating

Review Sources

Google
4.2 (26)
Facebook
3.3 (5)

Why choose this provider?

Eddy Ohlenburg - State Farm Insurance Agent offers insurance services from its Midland location. The agency assists clients in multiple areas including homeowners' insurance. Ohlenburg and his team create home insurance policies that cover property damage as well as personal possessions. Clothing, furniture, and appliances are among the personal belongings protected under home insurance. Ohlenburg has been an insurance agent for over five decades. His team has 101 years of combined industry experience. The professionals speak in Spanish.

  • Multiple Policy Types

4610 North Garfield Street, Midland, TX 79705

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (1)

Why choose this provider?

Midland Odessa Home Insurance is a Midland-based insurance agency aiming to give its clients peace of mind with the knowledge that their homes are well-protected. The company offers a customizable homeowners' insurance policy for its clients. The insurance policy can cover the rebuilding cost of the structure and replacement cost for structural damage. Customers can also opt to get insurance to cover their personal possession in case their home is destroyed by a disaster.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

3328 North Midkiff Road, Midland, TX 79705

Expertise.com Rating

Why choose this provider?

Insureall of West Texas is an insurance firm representing clients throughout the Midland area. This team is capable of helping individuals interested in purchasing homeowners insurance for their property. It offers policies that protect clients' homes against unexpected damage due to severe weather, fire, theft, or vandalism. When necessary, its agents can also assist clients with filing a claim with their provider. Additionally, Insureall of West Texas offers auto and trucking insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1015 N Midkiff Rd suite a, Midland, TX 79701

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Reeves Insurance Agency discusses insurance policy options to residents and business property owners in Midland and the surrounding communities. The company has two sections of homeowners' insurance policy, which are property coverages and liability coverages. The property coverages include dwelling, other structures around the property, personal property, loss of use or additional living expenses, and additional coverages such as debris removal and reasonable repairs. Established in 2004, the company specializes in insuring rural properties.

  • Multiple Policy Types

2101 West Wadley Avenue, Midland, TX 79705
WebsiteLicense: 1281774

Expertise.com Rating

Why choose this provider?

Established in 2006, Sawyer Insurance is an independent agency that caters to clients in Midland and the surrounding areas. It provides a wide selection of personal and commercial insurance. Its products include homeowners', auto, and business insurance, in addition to oil and farm coverage. The agency's homeowners' policy helps the clients protect their most valuable assets, such as their properties, personal belongings, and liabilities. Moreover, Sawyer Insurance works with numerous carriers, including Allstate, Travelers, Progressive, and Safeco.

  • Homeowners
  • Multiple Carriers

1111 West Illinois Avenue, Midland, TX 79701

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (3)
Yelp
2.0 (1)

Why choose this provider?

Killebrew Insurance is an independent insurance agency in Midland that has been providing a range of business, vehicle, and property insurance products in the state for over 35 years. It offers homeowners' insurance policy, which covers different losses such as damage from fire and weather phenomena, personal liability, and the entire structure of the home. The coverage can even include dog bite claims. Other insurance options offered by this agency include auto and RV insurance and general liability insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

1710 West Texas Avenue, Midland, TX 79701

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (3)

Why choose this provider?

Johnny Johnson Insurance provides homeowners insurance policies to clients located in the Midland area. As an independent agency, it is able to gather quotes from multiple providers to offer clients the most competitive pricing and coverage options. Its helps clients determine the amount of coverage their home needs and it recommends endorsements and supplemental policies for clients needing more extensive coverage. Johnny Johnson Insurance also offers insurance policies for businesses and automobiles.

  • Multiple Carriers
  • Multiple policies
  • Personal Property Insurance

1910 North Big Spring Street, Midland, TX 79705
WebsiteLicense: 2517531

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

The Ledford Agency provides homeowners' insurance coverage to residents of Midland and neighboring communities. Its homeowners' insurance policy helps clients protect their assets and prized possessions. Clients can alter their policy to cover several attachments, including luxury items and garages. One of its agents, Eric Falcon, has been working for the agency for over 11 years, providing auto and commercial insurance. The Ledford Agency has partnered with various carriers, including Travelers, Wellington, Progressive, and the Foremost Insurance Group.

  • Fire

1101 N Big Spring St, Midland, TX 79701

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (3)

Why choose this provider?

Dustin Ptak Insurance is an independent insurance agency that provides homeowners' insurance and other insurance solutions to Midland. The agency customizes an insurance policy that addresses its clients' needs and risks. It also informs its clients of the various homeowners' insurance policies and their differences. Some of the insurance providers the agency works with are Texas Mutual, BlueCross Blueshield of Texas, Travelers, Safeco Insurance, and Progressive. Dustin Ptak Insurance is a member of the Independent Insurance Agents of Texas.

  • Flood
  • Multiple Policy Types
  • Multiple Carriers

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.
  • Does homeowners insurance in Midland have earthquake coverage?

    A standard homeowners insurance policy in Midland does not pay for direct damages caused by an earthquake or other damages caused by earth movements like volcanic activity. However, you can add protection against earthquakes to your homeowners insurance plan through an endorsement for an additional charge. Note that you may pay extra if you live in an area that is susceptible to earthquakes.

  • Does homeowners insurance in Midland protect you from dog bite claims?

    A homeowners insurance policy in Midland can provide you coverage in the event your dog bites someone. Your homeowners insurance can cover medical expenses and damages associated with the dog bite accident. Note that some insurance providers do not insure certain dog breeds, such as Akitas and pitbulls. Other insurance companies also consider claims on a case-by-case basis.

  • Do you need to get a homeowners insurance policy in Midland before buying a house?

    You need to get a homeowners insurance policy in Midland before buying a house. Most mortgage lenders require their borrowers to have homeowners insurance before granting them a loan. It is ideal to have one before closing on, moving in, or putting a name on the home. This protects homeowners in case of accidents, weather, and natural disasters.

  • Are expensive items included in a homeowners insurance policy in Midland?

    A homeowners insurance policy in Midland may have limits on how much coverage you can get on expensive items. For instance, the limit on jewelry is around $1,000 to $2,000. Even if your jewelry costs $10,000, if it gets destroyed or damaged, you may only be able to claim around $1,000 to $2,000 for it from your homeowners insurance policy. You may want to consider buying a special personal property floater or an endorsement instead so you can insure your expensive items individually or as a collection.

  • Does a homeowners insurance policy in Midland cover code upgrades?

    If a home in Midland is badly damaged, it may need to be rebuilt to meet updated building codes. Unfortunately, a homeowners insurance policy does not cover expenses related to bringing the house up to code. What you can do instead is add building code coverage to your homeowners insurance policy as extra insurance. Other insurance companies also allow policyholders to obtain an Ordinance or Law endorsement that pays a specified amount for code upgrades.

  • 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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