Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Waco, TX

Our Recommended Top 8

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 Waco 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.

82Reviewed

52Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4692 Spring Valley Road, Lorena, TX 76655
WebsiteLicense: 2314453

Expertise.com Rating

Review Sources

Facebook
4.2 (5)

Why choose this provider?

Davis Insurance & Associates is an insurance service provider located in Lorena. Serving clients in Waco, Woodway, Bellmead, and the surrounding communities, the insurance agency offers a wide range of insurance plans for businesses and individuals. It offers homeowners insurance policies that protect property owners from damages caused by lightning, fire and smoke, windstorm, hail, and theft. With over three decades of experience in the insurance industry, this family-owned agency represents an extensive array of insurance carriers.

  • Homeowners

2510 West Waco Drive, Waco, TX 76710

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (34)

Why choose this provider?

Autopartners Insurance provides services from two Waco offices. The agency offers a wide range of insurance products such as homeowners' insurance. Its team insures new homes, old homes, mobile homes, ranches, and small farms that are not more than 300 acres in size. The insurance professionals offer policies that include home improvements such as electrical upgrades and hail-resistant roofs. Autopartners Insurance has been in service for two decades. Aside from homes, it also insures ATVs, cars, and motorcycles.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

P.O. Box 17068, Austin, TX 78760

Expertise.com Rating

Review Sources

Google
4.9 (230)
Facebook
4.8 (65)
Yelp
5.0 (1)

Why choose this provider?

Remco Insurance provides property damage and liability coverage for homeowners in Waco. Beyond securing costs for home repairs, its policies also include additional structures and personal property such as fences, sheds, furniture, and electronics, and additional living expenses for when a home is temporarily unusable. It offers plans that include liability protection and medical expenses for guests injured while on a client's premises. It also counsels clients on other property policies, including renters, condo, and mobile home insurance.

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

7111 Bosque Boulevard, Waco, TX 76710

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Brazos Valley Insurance Agency Inc. provides insurance options to residents and business property owners in Waco and the neighboring areas. Its team of agents advises clients on the right homeowners' insurance policy to protect private residences against financial losses due to natural disasters, fire damage, theft, and injuries. Established in 1928, the company is an independent insurance agency, which means the agents can discuss multiple coverages from a long list of companies in order to get the best rates for the clients' insurance.

  • Multiple Policy Types
  • Fire

8809 Woodway Drive, Waco, TX 76712

Expertise.com Rating

Review Sources

Google
5.0 (25)
Yelp
5.0 (1)

Why choose this provider?

Traci Plemons has been representing State Farm as an insurance agent for 26 years. She assists homeowners in Waco in finding insurance products that match their needs. Homeowners receive financial compensation for home repairs or item replacement due to covered losses, including damage from vandalism, theft, fire, hail, and accidental water discharge from plumbing systems. Coverage options for collectibles, jewelry, appliances, musical instruments, and cameras are also available. Plemons is a chartered financial consultant who handles annuities and mutual funds.

  • Multiple Policy Types

2118 La Salle Avenue, Waco, TX 76706

Expertise.com Rating

Review Sources

Google
4.6 (25)

Why choose this provider?

Herman Bell Insurance Agency oversees homeowner's insurance needs in Waco and surrounding areas. Licensed agents deal with insurance options, claims, payments, and policy upgrades. Home insurance is determined through the age of homes, the level of risks posed, and potential loss. The policy safeguards clients from paying for home liabilities covering repairs, medical expenses, and other costs during legal claims. The company also caters to business owners and provides other insurance products like commercial auto, commercial property, and general liability.

  • Multiple Policy Types

12270 Moffat Road, Temple, TX 76502

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (4)

Why choose this provider?

David Coufal Insurance Agency sells insurance in Waco and throughout its nearby areas. This agency represents a broad range of top carriers, including Progressive and Liberty Mutual. Its agents help homeowners by offering advice about policy inclusions and by shopping around for quotes on their behalf. Additionally, agents at David Coufal Insurance Agency provide assistance with claims and policy changes. Other types of insurance it sells include auto, personal property, and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

3529 Bosque Boulevard, Waco, TX 76710

Expertise.com Rating

Review Sources

Google
4.5 (35)
Facebook
5.0 (1)

Why choose this provider?

Baker & Carey Insurance Agency is located in Waco. It is an independent insurance agency that works with multiple carriers to provide property owners with the most suitable homeowners' insurance policy. Besides homeowners' insurance, Baker & Carey Insurance Agency offers auto, motorcycle, and renters' insurance. This family-owned agency was established in 1968 and has since then helped customers find the right policies from insurance providers such as Progressive, Texas Star, Affirmative, Texas Security General, Logic, and Aggressive.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Davis insurance & Associates
4692 Spring Valley Road, Lorena, TX 76655
Autopartners Insurance
2510 West Waco Drive, Waco, TX 76710
Remco Insurance
P.O. Box 17068, Austin, TX 78760
Brazos Valley Insurance Agency Inc.
7111 Bosque Boulevard, Waco, TX 76710
Traci Plemons - State Farm Insurance Agent
8809 Woodway Drive, Waco, TX 76712
Herman Bell Insurance Agency
2118 La Salle Avenue, Waco, TX 76706
David Coufal Insurance Agency
12270 Moffat Road, Temple, TX 76502
Baker & Carey Insurance Agency
3529 Bosque Boulevard, Waco, TX 76710

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 you make a claim on your homeowners' insurance policy for a stolen bike if it was stolen outside your Waco home?

    Yes, your personal property coverage protects you against theft from within your home as well as outside losses. Your insurer would reimburse you if your bike was stolen while parked outside a store or your personal laptop was stolen while traveling. This is a coverage that many policyholders are unaware of. The items covered and the coverage limits differ depending on the insurer. Inquire with your Waco insurance agent about the specifics of your coverage.

  • Will your credit score affect your Waco homeowners insurance rate?

    Yes, according to data analysis by Texas Insurance Ratings, insurance rates for homeowners with bad credit can be 31% higher than those with average credit, and 47% higher than those with good credit. Waco homeowners with good credit can enjoy up to 15% lower rates than those with only average credit.

  • Does homeowners’ insurance pay for foundation repairs if a car crashes into your house in Waco?

    Yes, homeowners' insurance covers foundation damage caused by accidents and unexpected perils such as vehicle collisions and falling objects. It is important to note that flooding-related foundation damage is not covered; you will need a separate flood insurance policy for this. Furthermore, your homeowners' insurance will not cover the cost of repairing damages that occur over time, such as cracking in very old houses, wear and tear, and foundation settling.

  • Why won’t your homeowners’ insurance provider in Waco reimburse your expenses for termite damage repair?

    In Waco, homeowner's insurance policies typically do not cover damages caused by events that occur over an extended period of time. It could take months for termites to infest your home before you notice any damage. Regular pest control can save you money by preventing costly repairs from pests like termites.

  • Whose homeowners' insurance policy should pay for repairs if your tree fell on your neighbor's house?

    If your tree fell and caused the damage, your insurance should cover the repairs. Personal liability coverage is included in the majority of Waco homeowners' insurance policies. This coverage pays for damages to other people's property caused by yours. If a tree fell on someone, your policy's medical coverage may cover the resulting medical bills.

  • 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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