Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Odessa, TX

Our Recommended Top 4

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 Odessa Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

47Reviewed

29Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

601 Dotsy Avenue, Odessa, TX 79763
WebsiteLicense: 1862405

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

Martinez & Associates Insurance Services provide individuals, families, and businesses in Odessa with personalized solutions. It is owned by Myra Martinez, who is an insurance agent and native Odessan. Along with fellow client-focused agents, they assist renters of houses or apartments to secure coverage for their personal belongings. The customizable renters' insurance plan includes additional living expenses and liability protection from fire or water damage, explosion, theft, vandalism, and disasters. Additionally, Martinez & Associates Insurance Services offers flood insurance and earthquake insurance.

  • Multiple Policy Types

1613 East 8th Street, Odessa, TX 79761
WebsiteLicense: 1281667

Expertise.com Rating

Review Sources

Google
4.4 (25)

Why choose this provider?

Patricia Torres Insurance Agency, LLC, has been servicing Odessa and the surrounding areas for more than 20 years. It aids renters in finding suitable coverage plans to protect them and their valuables from theft, vandalism, accidents, fire or smoke, and water damage from plumbing. Its staff members shop policies from a wide selection of providers, including Allstate, Progressive, and Zurich. Patricia Torres Insurance Agency also offers life, health, automobile, and commercial insurance.

  • Multiple Policy Types

1301 North Grant Avenue, Odessa, TX 79763

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (8)

Why choose this provider?

Dominguez Insurance Agency offers both personal and commercial insurance plans to individuals and businesses in Odessa and the surrounding areas. The company started when its founder, Diana, saw her family and friends struggle with coverage. Part of her service is educating her clients on their chosen policy so they can make informed financial decisions. Her personal insurance policies include renters', life, and home insurance. She also carries RV, boating, and classic car insurance products.

  • Multiple Policy Types

1315 North County Road West, Odessa, TX 79763
WebsiteLicense: 10139

Expertise.com Rating

Review Sources

Google
4.0 (42)
Facebook
5.0 (8)

Why choose this provider?

McKenzie Agency, Inc., is an agency that has been committed to delivering custom-made insurance services to customers in Odessa and nearby locations for almost four decades. It offers renters' insurance to protect clients financially if their personal belongings get destroyed, stolen, or affected by lightning, fire, vandalism, and theft. In addition, McKenzie Agency has insurance policies for boats, life, health, motorcycles, and mobile homes. Its insurance professionals are capable of providing insurance solutions with or without credit scoring as well.

  • Multiple Carriers

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Martinez & Associates Insurance Services
601 Dotsy Avenue, Odessa, TX 79763
Patricia Torres Insurance Agency LLC
1613 East 8th Street, Odessa, TX 79761
Dominguez Insurance Agency
1301 North Grant Avenue, Odessa, TX 79763
McKenzie Agency, Inc.
1315 North County Road West, Odessa, TX 79763

FAQs

  • What is the average cost of renters insurance in Odessa?

    The average cost of renters' insurance in Odessa is $173 per year or about $14 per month. This is around 17% more than the national average. Based on credit-based insurance scores, rates might differ dramatically. For example, people with bad credit may pay an average of $297 annually, which is almost 72% more than those with good credit.

  • How do construction materials and the age of a home affect renters' insurance rates in Odessa?

    In Odessa, the construction material and age of a home significantly influence renters' insurance rates. Insurance premiums can be up to 11% higher for homes with frame construction compared to brick, and stucco or Hardieboard homes may incur a 3% increase over brick veneer homes. Additionally, renters in older homes could pay up to 55% more than those in new constructions, with homes under 30 years old attracting rates 38% higher than new builds.

  • Is it advisable to hire a lawyer for renters' insurance claims in Odessa?

    In Odessa, it is not required, but it is frequently advantageous to work with a renters insurance lawyer when submitting a claim. Insurance firms have legal departments whose job it is to protect their interests, often by cutting down on claims. Having legal counsel can help you manage the complexity and fight underpayment or claim denial in order to guarantee fair treatment and full reimbursement.

  • What is the difference between actual cash value and replacement cost coverage in Odessa renters' insurance policies?

    In Odessa, actual cash value coverage pays you the depreciated value of your stolen or lost items, taking into account wear and tear and your deductible. Replacement cost coverage, on the other hand, pays you the full cost of replacing your items with new ones without considering depreciation. However, it may come with higher premiums and may have caps on the amount it will pay for certain items, after which you would only receive actual cash value.

  • As a home-based business owner in Odessa, is additional insurance coverage necessary?

    Home-based company operators in Odessa usually want extra insurance because normal homeowners' or renters' policies only provide $2,500 for business equipment—amounts that may not be sufficient for most needs. It's also advised to get additional liability and lost income insurance. Because insurance products differ, it's critical to compare coverage to make sure your company's unique needs are met at a reasonable cost.

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