Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in San Antonio

Our Recommended Top 19

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 San Antonio 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.

784

Reviewed

478

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8000 W Interstate 10 Ste 664, San Antonio, TX 78230
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Located in San Antonio, Texas, The Insurance Guys Brokerage offers homeowners insurance in case of flood, theft, or other incidents. The company also offers renters insurance as well as other options to fit the needs of its customers. Founded in 2012, it works with multiple insurance companies to ensure that customers can receive the best coverage and rate for them. Auto, life, and business insurance is also available, and the company offers language services for those who speak Spanish.

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

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
19365 FM 2252 Ste 8, Garden Ridge, TX 78266
  • Renter's Insurance
  • Fire
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Laskowski Insurance is an independent insurance agency founded in 1987. Its office is located in Garden Ridge, but agents serve residents throughout the greater San Antonio, Texas, area. The agency can connect homeowners with a variety of insurance options, including coverage for structural damage, personal property, living expenses, and liability as well as specialty plans, such as flood and earthquake insurance. Laskowski Insurance works with numerous nationwide providers, including Safeco, Travelers, and Mercury Insurance, to compare rates and plans.

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 (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
2060 Universal City Blvd Ste B, Universal City, TX 78148
  • Multiple Policy Types
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Liberatore Insurance Group is an independent insurance agency near San Antonio that specializes in auto, home, commercial, and individual life insurance. It provides no-obligation quotes from leading carriers, offers impartial advice on the pros and cons of competing policies, and ensures clients fully understand their level of coverage. Its agents arrange an array of policies that manage risk, such as mortgage protection should the holder lose their income, and universal life, protecting the policyholder throughout their years.

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
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (7)

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
8122 Marbach Road Suite 103, San Antonio, TX 78227-1689
  • Renter's Insurance
  • Homeowners

Why choose this provider?

Located in San Antonio, Ivan Cosme is a State Farm insurance agent that serves clients in the local metro. He previously spent a decade as part of the banking industry, before becoming an agent in 2016. Ivan and his team are fluent in Spanish and offer homeowners' insurance policies for both general and customized plans. They can modify existing plans or new ones to include coverage for flooding, theft, and temporary living expense. Ivan also processes claims and applications for automobile and life insurance.

License Verified:

License: 1921062

Texas Department of Insurance

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
4.8 / 5 (80)
Facebook
5.0 / 5 (55)

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
4429 De Zavala Rd, San Antonio, TX 78249
  • Condos
  • Multiple Carriers

Why choose this provider?

Shavano Insurance Agency, LLC, is a San Antonio-based team of independent agents who write numerous protection plans, including homeowners' insurance. This helps pay for lost personal properties in cases of theft and reimburses losses in the event of storms. They review policies from various insurance carriers such as Foremost, Homeowners of America, and Liberty Mutual with an aim to find plans that match clients' specific needs. They also keep up to date on state regulations and how they impact insurance plans.

License Verified:

License: 2373902

Texas Department of Insurance

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
Facebook
5.0 / 5 (39)
Google
4.8 / 5 (31)
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

Website
430 Austin St Ste 200, San Antonio, TX 78215
  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Why choose this provider?

Offenhauser & Co. is an independent insurance agency with more than 130 years of industry expertise in the San Antonio, Texas, area. Established in 1882, it helps homeowners, landlords, and renters find needed home insurance from a network of leading insurance companies in its portfolio of partners. Seasoned agents analyze clients' risks and the assets they need to protect, and then they customize a home insurance package that hedges against loss and liability and offers competitive rates.

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 (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

Website
12702 Toepperwein Road Suite 226, San Antonio, TX 78233
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

GSM Insurors is an insurance company in San Antonio that sells homeowners insurance policies. These policies protect assets that include free-standing structures, pieces of furniture, and personal items. GSM Insurors has experience insuring properties in a variety of price ranges and can insure clients against lawsuits if anyone is ever harmed on their properties. This agency also insures condos and offers flood insurance policies as well. Auto, life, and health insurance policies are available.

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
4.7 / 5 (64)

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
207 West Chihuahua Street, La Vernia, TX 78121
  • Multiple Policy Types

Why choose this provider?

Roeber Insurance Agency provides homeowners insurance coverage options and sells policies to customers throughout the San Antonio metro area. This company offers policies tailored to the needs of suburban property owners as well as property owners living in rural areas. It's been serving families since 1986 and is highly experienced with policy options for structural repair and replacement coverage and personal property coverage. Automobile insurance and life insurance policies are available too.

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 (6)
Google
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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
14086 Nacogdoches Rd, San Antonio, TX 78247
  • Homeowners

Why choose this provider?

Pantusa Insurance Agency is a San Antonio-based financial services company that caters to clients throughout the metro. The company provides homeowners' insurance. It also deals with landlords, renters, and condo insurance. The company's other insurance products include business insurance. Clients can opt for specific policies like cyber liability, commercial auto, and general liability insurance. Pantusa Insurance Agency has been operating since 1991. Tinamarie Pantusa, the company's president, has over two decades of insurance experience. She speaks Spanish.

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.
4.5
Google
4.4 / 5 (30)
Facebook
4.6 / 5 (10)

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.
2.5
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
128 W Bandera Rd Ste 3, Boerne, TX 78006
  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Bayless Insurance is a second-generation, family and locally owned, independent insurance agency located in the San Antonio, Texas, metro area. Home coverage specialists work with a select group of carriers, such as Progressive, Foremost Insurance Group, and Travelers, to help homeowners find the right amount of protection to meet their needs at affordable rates. Options include policies that cover the repairs and replacement of dwellings and personal items with limits and liability coverage for policyholders.

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
Google
4.5 / 5 (34)
Yelp
1.5 / 5 (7)
Facebook
5.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
9310 Broadway #100, San Antonio, TX 78217
  • Homeowners

Why choose this provider?

Dan Kay Insurance is an independent insurance agency that is located in San Antonio. A member of Trusted Choice, it provides homeowners' insurance coverages and quotes to first-time applicants and longtime policyholders. The agency also helps clients compare coverage options available to them, ranging from personal possessions to dwelling coverage. Its other services include personal insurance policies for automobiles, recreational vehicles, specialty dwellings, and health risks. Dan Kay Insurance also caters to commercial clients and provides policies for their business and property.

License Verified:

License: 7442

Texas Department of Insurance

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
4.7 / 5 (32)
Facebook
5.0 / 5 (4)
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

Website
120 Oak Creek Ct Ste 100, San Antonio, TX 78232
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1983, GBMB Insurance Agency is an independent insurance agency based in San Antonio, Texas. Serving clients across the state, it provides a variety of business and personal insurance options. One choice on the personal side is homeowners insurance. Specialists are available to assist clients in getting the right home coverage. Homeowners can purchase insurance for property coverage, personal property, liability, and medical and living expenses. In addition, GBMB Insurance Agency offers auto, flood, and renters insurance.

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 (8)
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

Website
601 Embassy Oaks, San Antonio, TX 78216
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Carnahan Insurance strives to provide comprehensive services in the San Antonio metro. It accommodates families and individuals in acquiring homeowners' insurance plans. The company offers personal property and liability, miscellaneous, and medical, and additional living expense coverages. It also crafts insurance policies for fine arts, collectible cars, and pieces of jewelry. Carnahan Insurance is an independent agency that represents multiple carriers, including Progressive and Travelers. Founder Jerry R. Carnahan has been in the insurance industry since 1977.

License Verified:

License: 687062

Texas Department of Insurance

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 (40)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4404 San Pedro Ave, San Antonio, TX 78212
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Bexar Insurance Group in San Antonio, Texas, was founded in 2002. Ever since, it has offered a full range of insurance products, including home insurance, to residents living in the city and its surrounding areas. Its knowledgeable staff shop a variety of A-rated carriers to find affordable, suitable policies for its customers. Bexar Insurance Group also offers auto, business, and life insurance, and works with nationally-known carriers, including Progressive, The Hartford, and Mercury Insurance Group.

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 (36)

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
13438 Bandera Rd Ste 101, Helotes, TX 78023
  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Located in Heloles, Texas, Village Insurance Agency is an independent insurance company that sells home insurance throughout the San Antonio metropolitan area. Founded in 1964, the company offers homeowners protection for when their dwellings are damaged or destroyed due to fire, theft, vandalism, or other covered event. It offers specific policies for landlords, renters, and owners of condominiums. The agency sells a variety of other personal and commercial insurance throughout Texas.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5407 Interstate 35 Access Rd Ste 101, San Antonio, TX 78211
  • Renter's Insurance
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

In business since 2003, Auto Nsure is a San Antonio, Texas-based agency providing home insurance services which has written over 20,000 insurance policies since its inception. It helps clients to understand the coverage offered in various categories including structural protection, property protection, and liability, and tailors a policy according to their life style and budget. It will offer flood or earthquake coverage if clients are in applicable regions, as these are not included in standard 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 (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

Website
630 Fm-465 S., Marion, TX 78124
  • Multiple Carriers
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

KDJ Insurance Agency was founded in 1981 in Marion, Texas, and has expanded its services to Schertz City. The agency links insurance buyers to policy options that suit their specific needs. Its homeowners insurance policy provides coverage for properties against damage caused by fire or flood as well as liabilities that may be accrued by the house owner. Other policies offered by KDJ Insurance Agency include auto, renters, rental property, and umbrella insurance.

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
4.4 / 5 (11)
Facebook
5.0 / 5 (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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
7707 Tezel Rd, San Antonio, TX 78250
  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 2009, Greater Northwest Insurance is an independent insurance agency located in San Antonio, Texas. The company offers homeowners insurance policies for all types of homes and works with a wide range of companies. For nine years in a row, it has been awarded the Best of San Antonio in Auto, Home, and Business Insurance, as well as recognized in the Business Hall of Fame. Greater Northwest Insurance also offers auto, commercial, life, and health insurance.

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 (14)

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
San Antonio, TX
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Wildcard Insurance serves individuals and families in San Antonio and nearby areas. The firm offers homeowners' insurance policies that cover the cost of repair and rebuilding of the insured house. It also pays for the replacement of furniture and appliances damaged by fire, water, hail, or lightning. The company's renters' insurance plans protect tenants' personal belongings in the event of loss or damage due to unexpected events. Wildcard Insurance crafts risk management programs for cars and motorcycles.

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.
  • Which risks are typically excluded from homeowners insurance policies in San Antonio?

    Most homeowner's insurance policies do not cover losses caused by flooding, earthquakes, pests, wind or hail to shrubs and trees, and damage if your house is unoccupied for a specified number of days. Pervasive water leaks and wear and tear damage are generally also not included. For information regarding your specific coverage, please refer to your policy or consult with your San Antonio homeowners insurance agent.

  • Can one dispute incorrect information about a San Antonio citizen's homeowners insurance claims history?

    One can dispute incorrect information about a San Antonio citizen's homeowners insurance claims history. Insurance companies should only make a report to the Comprehensive Loss Underwriting Exchange if a client actually filed claims. Based on these reports, a company can charge you more or refuse to sell you insurance. If you were denied a policy or charged unfairly due to inaccurate information, contact LexisNexis at 866-312-8076 to dispute or provide an explanation.

  • What is the average cost of homeowners insurance policies in San Antonio?

    San Antonio's typical annual home insurance premium is $2,727, or $227 per month. In all of Texas, homeowners pay $3,884 a year for insurance, which is more than $1,000 higher than what San Antonio residents pay. Factors that can affect home insurance rates include the following:

    • Your home's address or location.
    • Your claim history for insurance.
    • The age and style of your home.
    • The cost of rebuilding your home.
  • How does one file a claim for homeowners insurance in San Antonio?

    Here are four simple steps to file a homeowners' insurance claim in San Antonio:

    • Contact the authorities if needed and when it is safe to do so.
    • As soon as you can, you should also inform your insurance company.
    • Record your losses and send them to your insurance agent.
    • Apply all temporary repairs to prevent further damage. Typically, claim reimbursement takes two to four weeks. Unfortunately, locations devastated by a large disaster may have lengthier wait times.
  • How are the rates for standard homeowners insurance calculated in San Antonio?

    Your rate is dependent on a number of factors, including the cost of your San Antonio property, where you live, the frequency and severity of natural catastrophes in your area, and the prevalence of crime in that area. The worth of a home also depends on its age, size, the materials used in its construction, the cost to rebuild or repair it, and the market value of any contents stored inside.

  • 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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