Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Pharr

Our Recommended Top 6

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 Pharr 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.

51Reviewed

33Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
2.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.8
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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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)
Facebook
4.5 / 5 (8)

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

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

Why choose this provider?

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

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

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

Why choose this provider?

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.
4.7
Facebook
5.0 / 5 (4)
Google
3.0 / 5 (1)
Yelp
5.0 / 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

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.
  • Can your insurer not renew your policy if your home becomes vacant for an extended period in Pharr?

    In Pharr, your insurance provider can choose not to renew your policy if your home remains unoccupied for an extended period, typically 60 days or more. In most cases, insurance companies will terminate your coverage if your residence stays vacant for this duration. However, note that they usually maintain your liability coverage. To ensure the continuation of your coverage when you anticipate an extended absence from your home, it is advisable to communicate with your insurance company.

  • Do you need to inform your insurer if you rent out part of your home in Pharr?

    If you want to rent out part of your Pharr home, you must talk to your insurance provider. Insurance companies may have varying policies on short-term rentals, some allowing them with notification, and others requiring an endorsement or a rider. However, regularly renting to different guests is considered a business activity, which is not covered by standard homeowners’ insurance. To ensure you have adequate coverage, you would need to purchase a specific business policy.

  • Can insurers in Pharr deny coverage based on your credit score?

    In Pharr, insurance providers may consider your credit score when determining your eligibility for coverage and the premium rates you are offered. However, note that insurers cannot decline to sell you a policy or terminate or decline to renew your existing policy solely based on your credit score.

  • Is windstorm insurance required in Pharr?

    In Pharr, homeowners are not required to obtain windstorm insurance. However, most mortgage companies will insist on it as a condition of their loans. Once a hurricane is in the Gulf of Mexico, you will not be able to obtain new or additional windstorm insurance coverage until after the storm has passed and left your area. As such, it is crucial to secure windstorm protection in advance of any hurricane threats to your property.

  • Can you make repairs to your home before the insurer's inspection after filing a claim in Pharr?

    You can start home repairs before your insurance company conducts an inspection in Pharr to prevent further damage. This obligation to mitigate damage is essential, and failing to do so could lead to your insurance claim being denied or receiving a reduced payout. However, making permanent repairs before the insurer's inspection poses a risk of claim denial. Therefore, it's advisable to seek clarification from your insurer, preferably in writing, before proceeding with any repairs.

  • 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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