Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Richardson, TX

Our Recommended Top 14

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 Richardson 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.

76Reviewed

51Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

12770 Coit Rd 110, Dallas, TX 75251

Expertise.com Rating

Review Sources

Google
4.7 (87)
Facebook
5.0 (35)
Yelp
5.0 (6)

Why choose this provider?

The Thumann Agency offers insurance policies to homeowners in Richardson. The company has been in the business since 1996 and has a team of financial advisors who are committed to providing plans that are tailored to fit a client's unique needs. These financial advisors strive to explain each available policy to their clients to help them make the right decisions. Depending on the client's needs, their insurance plans can cover a home's structure, personal belongings, or living expenses during repairs.

  • Multiple Policy Types

1201 Richardson Drive, Ste 132, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
5.0 (92)
Yelp
5.0 (3)

Why choose this provider?

Decisive Insurance Agency serves the Richardson area. It offers a wide range of insurance options including homeowners' insurance, which can be created according to the client's needs. Homeowners can expect this company's insurance policy to cover the basics such as replacement costs, home structure, liabilities, and personal possessions. Clients can also opt to add coverage for valuable articles, umbrella policies, and flood policies. Decisive Insurance Agency also offers business, auto, commercial and specialty insurance plans.

  • Flood
  • Multipolicy Types

6060 North Central Expressway, Dallas, TX 75206

Expertise.com Rating

Review Sources

Google
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Prestizia Insurance serves the Richardson metro area and provides clients with a multitude of services to help them deal with any needs related to homeowners insurance. Its agents guide clients by helping them to shop for quotes and assist them when they need to make damage claims. This agency can insure the dwelling, any property inside, and homeowners themselves for liabilities involving their land. Flood insurance policies and renters insurance options are available.

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

100 N Central Expy 1205, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Based in Richardson, Five Star Insurance Group offers assistance to clients that want to settle claims for their homes to ensure financial protection. The agency helps homeowners identify suitable insurance policies that would cover losses resulting from theft, fire, or other covered events. Five Star Insurance Group also works to secure coverage for extra living expenses and liability costs when guests sustain injuries within a client's property. The firm's services cover high-value properties, rental dwellings, secondary residences, and vacation homes.

  • Multiple Policy Types

301 South Sherman Street, Richardson, TX 75081

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Reading Insurance Agency helps protect residences, apartments, and condominiums in Richardson, Frisco, Allen, Plano, and MacKinney. Since 1984, its team has been writing insurance coverages for homes, renters, and motor homes. The agency attends to clients' insurance needs by comparing rates and programs offered by various insurance carriers in the marketplace. Clients can protect their properties and belongings via homeowner's insurance. Whether investments are destroyed by fire, natural disaster, vandalism, and other accidents, the carrier will help pay the expenses.

  • Condos
  • Renter's Insurance
  • Multiple Policy Types

100 N Central Expy, Suite 704, Richardson, TX 75080

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Frank Bireley Insurance is an insurance provider that serves Richardson and other areas in the DFW. It specializes in customizing homeowners' insurance packages according to each client's specific needs and risks. These packages may include personal property, liability, medical expense, and living expense coverage. The firm also works with other personal lines of insurance like auto, watercraft, and rental property insurance, as well as a number of commercial lines like workers' compensation and group life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

375 Municipal Drive, Suite 126, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
4.9 (11)
Yelp
3.5 (3)

Why choose this provider?

ABCO Home Plus Insurance is an independent provider established in 1995 that services Richardson and nearby areas. The company covers losses due to damages from tornadoes, lightning, hail, fires, ice and snow, vandalism, and theft. It also provides insurance for personal liability, broken pipes, replacement costs, medical costs, and personal valuables like jewelry, art pieces, clothing, appliances, and furniture. ABCO Home Plus Insurance uses the latest computer program when comparing rates to ensure affordability.

  • Multiple Policy Types

3608 Preston Road, Plano, TX 75093

Expertise.com Rating

Review Sources

Google
4.6 (10)
Yelp
3.0 (2)

Why choose this provider?

Jim Collins, State Farm Insurance Agent, is named for its founder, who's been with State Farm since 1978 and can offer clients complete homeowners insurance services. Mr. Collins and his agents assist clients with shopping for policies and help them to secure coverage for their homes and possessions. His office can provide personal liability coverage to protect clients in the event that any guests are hurt on their properties. Jim Collins, State Farm Insurance Agent, sells auto and business insurance policies as well.

  • Multiple Policy Types

13760 Noel Road, Suite # 600, Dallas, TX 75240

Expertise.com Rating

Review Sources

Google
4.4 (39)
Facebook
5.0 (12)

Why choose this provider?

Swingle Collins & Associates offers personal insurance to homeowners in Richardson and the surrounding metroplex. Their team of Personal Risk Advisors take a customized approach, building an insurance program tailored to the specific needs based on the lifestyle, interests and priorities of the client. Swingle Collins & Associates Risk Advisors are available to assist clients in filing and navigating claims, making the process as easy and efficient as possible.

  • Multiple Policy Types
  • Personal Property Insurance

1350 East Arapaho Road, Richardson, TX 75081

Expertise.com Rating

Review Sources

Google
4.6 (11)
Facebook
5.0 (6)

Why choose this provider?

Kouser Insurance Agency has been catering to the insurance needs of clients in Richardson and the surrounding communities since 1979. The homeowners' insurance policies are categorized into two types, which are standard coverage and specialized coverage. For standard coverage, the policies include dwelling coverage, additional living expenses, personal property coverage, medical payment coverage for guests injured in the client's home, and personal liability protection. Specialized coverage includes vacation home insurance, rental property insurance, and high-value home coverage with extended limits.

  • Multiple Policy Types

2435 N Central Expy 1600, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
4.1 (29)
Yelp
3.0 (5)
Facebook
5.0 (4)

Why choose this provider?

Patterson & Associates Insurance is an independent brokerage offering insurance services 24/7. The business offers customized coverage plans when Richardson clients apply for homeowners' insurance. Policyholders can protect their homes, families, and belongings from exposures and damages depending on their insurance coverages. The agency has been operating since 1983 and has agents with over 400 years of combined insurance experience. Clients can ask for claim reporting and proof of insurance anytime.

  • Personal Property Insurance
  • Multiple Policy Types

5400 East Mockingbird Lane, Suite 224, Dallas, TX 75206

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Love Insurance sells homeowners insurance products to clients throughout the Richardson metro area. This agency has more than two decades of experience guiding clients through the policy shopping process and helping them to secure coverage for vulnerable areas. It sells policies that can cover repair costs for homes, provide temporary living expenses, cover property, and protect clients financially if they're sued for any injuries that happen on their properties. Auto insurance is available here.

  • Fire
  • Flood

3501 Custer Parkway, Richardson, TX 75080

Expertise.com Rating

Review Sources

Google
5.0 (55)
Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Brightway Insurance, The Phan Agency services clients in the Richardson areas that seek assistance in ensuring financial protections for their homes in the event of catastrophes and natural disasters. Based in Jacksonville, the agency helps homeowners and renters explore insurance options for factors like flood protection and personal items coverage. Aside from home insurance, the firm also handles auto, business, and life insurance matters. Brightway Insurance is led by a team with 32 years of industry experience in average.

  • Multiple Policy Types

888 S Greenville Ave Ste 140, Richardson, TX 75081

Expertise.com Rating

Review Sources

Google
4.9 (360)
Facebook
5.0 (59)
Yelp
5.0 (2)

Why choose this provider?

Insurance Source of Dallas is an independent insurance agency established in 2004 that offers insurance policies to individuals and businesses in Richardson. One of the products it has is homeowners' insurance. The policy provides protection from financial losses caused by covered events, such as storm, fire, and theft. It can also cover personal liability protection in cases of other people getting injured while on the property. Insurance Source of Dallas represents many carriers and advises clients on the right coverage that fits their needs.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Thumann Agency
12770 Coit Rd 110, Dallas, TX 75251
Decisive Insurance Agency
1201 Richardson Drive, Ste 132, Richardson, TX 75080
Prestizia Insurance
6060 North Central Expressway, Dallas, TX 75206
Five Star Insurance Group
100 N Central Expy 1205, Richardson, TX 75080
Reading Insurance Agency
301 South Sherman Street, Richardson, TX 75081
Frank Bireley Insurance
100 N Central Expy, Suite 704, Richardson, TX 75080
ABCO Home Plus Insurance Agency
375 Municipal Drive, Suite 126, Richardson, TX 75080
Jim Collins - State Farm Insurance Agent
3608 Preston Road, Plano, TX 75093
Swingle Collins & Associates
13760 Noel Road, Suite # 600, Dallas, TX 75240
Kouser Insurance Agency
1350 East Arapaho Road, Richardson, TX 75081
Patterson & Associates Insurance
2435 N Central Expy 1600, Richardson, TX 75080
rossloveinsurance.com
5400 East Mockingbird Lane, Suite 224, Dallas, TX 75206
Brightway Insurance The Phan Agency
3501 Custer Parkway, Richardson, TX 75080
Insurance Source Of Dallas
888 S Greenville Ave Ste 140, Richardson, TX 75081

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.
  • Do you need an endorsement or rider in your homeowners insurance in Richardson?

    It depends, as homeowners in Richardson have different needs in terms of insurance coverage. There are times when you need additional protection for your home or property, thus the need for an endorsement or rider. It can allow you to customize your policy according to your own requirements. An example of a rider is extended replacement cost coverage, which increases your dwelling coverage.

  • Will your homeowners' insurance in Richardson cover mold damages?

    In Richardson and throughout the state of Texas, most of the homeowners' insurance is known as HO-A policies, which only cover sudden pipe leaks and damages from plumbing emergencies. It does not cover long-term water leaks that usually cause mold buildup. You may ask your insurance agent about adding a rider for mold damage coverage.

  • Will your home-based business be covered under homeowners' insurance in Richardson?

    No. Your home-based business will not be covered under homeowners' insurance in Richardson. For any home-based business activities, you will need to secure a home-based business insurance policy. Depending on the size of your business, you may need a homeowners policy endorsement, commercial general liability, commercial property insurance, or workers' compensation.

  • Will your homeowners' insurance cover any injury caused by your dog in Richardson?

    Yes, your homeowners' insurance may be able to cover any injuries caused by your dog in Richardson through the homeowners' liability portion of your policy. Your liability coverage typically covers dog bites even outside the premises of your home. However, you need to clarify with your insurance agent about the exclusions of your liability coverage as there are dangerous dog breeds not covered.

  • Can you do your own home repairs in Richardson after a storm?

    Yes, you may do your own home repair after a storm in Richardson, even if you have yet to receive any insurance payments. Make sure that these are temporary repairs to make your home safer, and keep all the receipts and photos of your work. You should inform your insurance carrier about your situation and prepare to answer questions from the insurance adjuster.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.