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Best Homeowners Insurance Agencies in Pharr

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Amtex Auto Insurance logo
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Amtex Auto Insurance

516 North Cage Boulevard, Pharr, TX 78577
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  • Multiple Policy Types

Business Description

Amtex Auto Insurance has been providing insurance services throughout Pharr and nearby regions for more than 20 years. Its team of professionals offers homeowners' insurance solutions to provide compensation for damages on property and losses of personal belongings. The professionals from this business also handle commercial, motorcycle, auto, and Mexican insurance policies. Amtex Auto Insurance has more than 75 locations, including Dallas, Houston, El Paso, San Antonio, and other Texas cities.

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
4.8 / 5 (87)
Facebook
5.0 / 5 (24)

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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Connect Insurance logo
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Connect Insurance

407 W FM 495, San Juan, TX 78589
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Connect Insurance can assist clients in the Pharr metro area with any of their homeowners insurance needs. It sells policies that protect homeowners from losing money if their homes need sudden repairs or even complete replacement following damage from natural disasters, fires, burglaries, or other problems. Personal liability coverage is also provided in case clients are ever sued by visitors hurt on their premises. Connect Insurance offers condo insurance and renters insurance options as well.

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.
4.1

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
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Eagle Insurance Agency logo
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Eagle Insurance Agency

P.O. Box 5788, Mcallen, TX 78502
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Eagle Insurance Agency is an insurance firm in Pharr that has been providing home insurance solutions since 2007. Its specialists help homeowners assess risks and assist in finding appropriate insurance policies for clients. They walk clients through different coverage options, including plans that cover home and property damages due to fire, natural disasters, vandalism, and theft, enabling homeowners to make informed decisions. Policyholders can also obtain compensation for non-resident injury claims. Eagle Insurance Agency has 10 other locations, including Brownsville, Mission, and Harlington.

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
4.8 / 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
RG Insurance Agency logo
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RG Insurance Agency

208 West Ferguson Avenue Unit 4 - Suite 7, Pharr, TX 78577
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

RG Insurance Agency is a homeowners' insurance agency serving the Pharr area. The company is committed to helping clients make informed decisions when it comes to choosing a homeowners insurance policy. Its agents have experience in assisting clients looking to protect their mobile homes or their rental properties. They strive to find a policy that best suits their needs and budget. Depending on the client's preferences, they also offer policy bundles for more convenience.

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 (16)

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
Rick Puente Insurance logo
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Rick Puente Insurance

2203 North Raul Longoria Road, San Juan, TX 78589
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  • Flood
  • Homeowners

Business Description

Rick Puente Insurance is active throughout the Pharr metro area and assists clients with property insurance needs. It insures their homes by helping them to purchase policies from affiliated carriers and servicing their policies when they need to make changes or call in insurance claims. This agency has been active since 2001 and has experience with complex insurance cases as well as assets. Flood insurance, life insurance, and business insurance policies can be purchased here as well.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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
SafeGuard Insurance Agency logo
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SafeGuard Insurance Agency

3003 South Cage Boulevard, Pharr, TX 78577
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  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake

Business Description

SafeGuard Insurance Agency provides homeowners insurance to residents of the Pharr area. The company's insurance policies are tailored to fit each client's unique needs. These policies cover property damages, personal liabilities for injuries that occur on the property, personal belongings, and additional temporary living expenses. Clients looking for more a comprehensive plan may choose to include coverage for losses due to earthquakes or floods. The business also offers an umbrella liability policy for added protection.

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
Facebook
5.0 / 5 (4)
Google
3.0 / 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
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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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