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Best Homeowners Insurance Agencies in Odessa

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Allbright & Duncan Insurance Agency, Inc. logo
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Allbright & Duncan Insurance Agency, Inc.

3527 Billy Hext Road, Odessa, TX 79765
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  • Multiple Policy Types

Business Description

Allbright & Duncan Insurance Agency, Inc. discusses insurance policy options with residents and business property owners in Odessa and the rest of the region. The company provides homeowners' insurance policies for private residences. The policy compensates the clients in the case of damages and losses due to disasters such as fire and earthquake or human-related perils such as theft and vandalism. Each homeowners' insurance policy is customized depending on the client's needs and budget.

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 (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
Chris Wray - State Farm Insurance Agent logo
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Chris Wray - State Farm Insurance Agent

1541 John Ben Shepperd Parkway, Odessa, TX 79762
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  • Multiple Policy Types

Business Description

Chris Wray is a State Farm Insurance agent based in Odessa. His team offers several insurance products, including homeowners' insurance. This policy covers the financial cost of repairing or replacing the house or valuable items inside it that have been damaged or lost because of outlined acts of nature, fire, theft, vandalism, or other causes. Chris Wray - State Farm Insurance Agent advises clients on the type of coverage they need based on their current situation.

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 (28)

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
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Higginbotham logo
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Higginbotham

4800 East University Boulevard, Odessa, TX 79762
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  • Flood
  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Higginbotham is an independent insurance, financial, and HR services firm that has been serving residents and businesses in Odessa and neighboring areas since 1948. The employee-owned firm offers clients homeowners' insurance policies, which cover physical structures, repair and replacements costs, and tools and electronics. Certain items, such as jewelry, books, musical instruments, and firearms are also covered. Higginbotham actively supports community development by giving grants from the Higginbotham Community Fund to nonprofits and through volunteer programs.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Hignojos Insurance Agency logo
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Hignojos Insurance Agency

7211 Eastridge Rd, Odessa, TX 79765
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  • Multiple Policy Types

Business Description

Hignojos Insurance Agency is an independent insurance agency that provides personal and business insurance options to clients in the Odessa metro. The company offers insurance plans that protect homes from common types of damage and loss, such as pipe leaks, fires, and burglary of property contents. Its plans also cover specific needs or risks, such as those required for special collections, high-value items, jewelry, and luxury items like cars and art.

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
Google
3.7 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Killebrew Insurance logo
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Killebrew Insurance

1111 West Illinois Avenue, Midland, TX 79701
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  • Renter's Insurance

Business Description

Killebrew Insurance serves the Odessa metro area and sells homeowners insurance policies to clients with a range of different needs. This agency has been open since 1931 and has extensive experience helping clients to resolve issues with their policies or change the type and amount of coverage they want. It presents each client with a variety of rates offered by associated carriers. Killebrew Insurance can also insure automobiles as well as businesses.

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
4.7 / 5 (33)
Yelp
2.0 / 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
Midland Odessa Home Insurance logo
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Midland Odessa Home Insurance

4610 N Garfield St Ste A-10, Midland, TX 79705
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Midland Odessa Home Insurance aims to help individuals, families, and businesses obtain insurance coverage that suits their needs. This agency offers home insurance with coverage options that protect homes and belongings. The policy covers the costs of rebuilding a home from damaged caused by disasters and events. The coverage also includes replacement costs and inflation guard. Midland Odessa Home Insurance provides a range of products including auto, life, health, and business 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 (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
Patrick Willis - State Farm Insurance Agent logo
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Patrick Willis - State Farm Insurance Agent

1631 North County Road West, Odessa, TX 79763
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  • Multiple Policy Types

Business Description

Patrick Willis, State Farm Insurance Agent, is an office offering homeowners insurance policies. Clients can use this agency to purchase coverage for their houses and everything inside as well as personal liability coverage in case any guests are injured. Agents are available to advise clients on selecting the right policies and terms for their needs. Coverage options are also available for auto insurance, business insurance, and health insurance. Patrick Willis, State Farm Insurance Agent, is especially experienced with 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.
4.3
Facebook
4.6 / 5 (10)
Google
3.9 / 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
The Copeland Group logo
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The Copeland Group

2240 East 52nd Street, Odessa, TX 79762
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  • Personal Property Insurance

Business Description

The Copeland Group has been providing insurance solutions to residents in Odessa since 1967. One of its products is homeowners insurance, which offers protection from damages caused by fire, hail, explosion. civil commotion, hurricane, and theft. It also grants additional policies that cover jewelry and fine arts, mold removal, earthquake damage, and backup of sewers. The company not only delivers insurance products but also assists in pre-inspection for claims and advises clients in the claims process.

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 (211)

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
Weatherby-Eisenrich Insurance logo
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Weatherby-Eisenrich Insurance

211 West Broadway Street, Andrews, TX 79714
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire
  • Condos

Business Description

Weatherby-Eisenrich Insurance sells home insurance policies and offers the assistance of trained and knowledgeable agents to help clients purchase those policies. The agency advises on amounts of coverage, terms of coverage, and the types of protection available for their homes, personal items, and any special liabilities. Its policies can cover storms, fires, wind damage, and vandalism along with similar causes. Weatherby-Eisenrich Insurance also sells personal umbrella insurance policies and auto insurance coverage.

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.
4.2
Google
4.5 / 5 (8)
Facebook
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
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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.

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