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Best Homeowners Insurance Agencies in Wichita Falls

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An American Insurance logo
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An American Insurance

1712 Kemp Boulevard, Wichita Falls, TX 76309
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  • Multiple Policy Types

Business Description

An American Insurance is an independent insurance agency in Wichita Falls that has been providing insurance services statewide for more than 30 years. It offers different forms of insurance policies, including home insurance. Its professional agents coordinate with various insurance companies to provide their clients with policy options that have the coverage, price, and service most suited to their needs. An American Insurance represents Arrowhead, Bristol West, Foremost, Hagerty, and MissionSelect.

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 (23)

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
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Detail
Higginbotham - Wichita Falls logo
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Higginbotham - Wichita Falls

1300 10th St, Wichita Falls, TX 76301
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Higginbotham - Wichita Falls is an insurance agency established in 1948. Its agents help clients in protecting their investments such as houses and their contents. The firm can assist individuals in selecting the right carrier and coverage to secure their assets. Renewing of policy and billing can also be handled by the insurance team. Homeowners' insurance safeguards policyholders from liability concerning lawsuits, personal staff, and other threats to personal safety and security.

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
Facebook
4.9 / 5 (38)
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kelly Ho-Montoya Insurance Group LLC logo
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Kelly Ho-Montoya Insurance Group LLC

4705 Fairway Boulevard, Wichita Falls, TX 76310
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  • Renter's Insurance
  • Condos

Business Description

Kelly Ho-Montoya Insurance Group LLC is an independent insurance agency serving individuals, families, and businesses in Wichita Falls. The agency, which is associated with a vast network of insurance companies, works closely with clients to find the best homeowners' coverages for their needs. These home insurance plans typically provide protection against loss or damage caused by theft, vandalism, fire, smoke, wind, and hail. They also cover financial liabilities. Kelly Ho-Montoya Insurance Group LLC also offers mobile home, condo, renters, car, life, business, and employee 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 (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
Mark Inman Insurance Agency logo
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Mark Inman Insurance Agency

1401 Kemp Blvd, Wichita Falls, TX 76309
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  • Multiple Policy Types

Business Description

Mark Inman Insurance Agency is an insurance service provider based in Wichita Falls. With over seven decades of collective industry experience, the agency's professionals assist homeowners in finding insurance products that meet their needs. They provide comparative quotes from over 25 insurance companies and inform clients of applicable coverage types. Homeowners' insurance policyholders receive assistance in mitigating financial risks due to natural disasters or random acts, such as vandalism and theft. This coverage also includes personal injury liabilities.

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.
4.3
Google
4.3 / 5 (60)

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
Pond Insurance Agency Ltd logo
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Pond Insurance Agency Ltd

2101 Kemp Boulevard, Wichita Falls, TX 76309
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  • Multiple Policy Types

Business Description

Pond Insurance Agency Ltd. was founded in 1985 and covers homeowners in Wichita Falls. The company helps clients find the best insurance plan to cover repairs for fire damage, vandalism, and medical fees for injury. It also reviews a client's current policy to change or add to it, such as flood coverage. The company also provides forms for policyholders to show evidence or claim property loss. Its agents have been praised for being thorough and responsive.

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 (48)

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
Rebecca Raeke - Farmers Insurance Agent logo
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Rebecca Raeke - Farmers Insurance Agent

823 Travis Street, Wichita Falls, TX 76301
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  • Renter's Insurance
  • Condos

Business Description

Rebecca Raeke is a local Farmers Insurance agent who offers insurance plans to the residents of Wichita Falls and neighboring areas. Her homeowners' insurance plans protect residents in case of damage ranging from small mishaps to major storm damage. She also has a network of contractors and emergency service providers that owners can tap into for their repair and reconstruction needs. Raeke has 11 years of experience as a Farmers Insurance agent. She offers services in both English and 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.
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
traceydenson.com logo
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traceydenson.com

2207 Brook Avenue, Wichita Falls, TX 76301
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Tracey Denson, State Farm Insurance Agent, is operated by a founder with experience tracing back to 2004. It assists clients with homeowners insurance and related needs and provides them with quotes depending on the level of assets they need to cover. Its agents advise clients on the policies available to cover their needs should their properties be damaged by natural disasters, vandalism, fires, or other incidents. Tracey Denson, State Farm Insurance Agent, also offers business insurance services.

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 (9)

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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