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Best Homeowners Insurance Agencies in Centreville

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Aguilar Insurance Agency logo
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Aguilar Insurance Agency

8213 Sudley Rd, Suite 201, Manassas, VA 20109
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

Aguilar Insurance Agency specializes in personal and business insurance solutions for clients in Centreville and the northern areas of the region. The coverage options available for homeowners' insurance policies include compensation in case of financial loss or damages to the house and its contents due to fire, water back-up, flood, and theft. The policy also covers additional living expenses, personal liability, and excess liability. The company has been in the business since 2006.

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 (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
Bill Thyen - State Farm Insurance Agent logo
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Bill Thyen - State Farm Insurance Agent

14701 Lee Highway, Centreville, VA 20121
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  • Multiple Policy Types

Business Description

Bill Thyen is an experienced State Farm insurance agent that has been representing the homeowners' insurance agency to the Centreville community since 2001. A BA Finance graduate from Loyola College, Thyen uses his knowledge and experience in providing the city's homeowners with options that meet their home insurance needs. One of these is writing a home and auto insurance policy that can protect both their residential homes and private vehicles. Thyen also offers life insurance 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.
4.9
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (4)

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
Coverage Inc logo
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Coverage Inc

14130-J Sullyfield Circle, Chantilly, VA 20151
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  • Multiple Policy Types

Business Description

Coverage Inc. is an independent insurance provider located in Centreville and nearby areas. Its homeowners' insurance mitigates losses in case of fire, vandalism, theft, or even pipe leaks. Medical costs of visitors indirectly injured within the property are covered with personal liability protection. Homeowners in temporary residences are given additional living expenses if their insured home is rendered uninhabitable due to repairs of damages caused by covered events. Coverage Inc. ensures accessibility with a 24/7 contact center.

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 (13)
Facebook
4.8 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Edward McCarthy - Farmers Insurance Agent logo
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Edward McCarthy - Farmers Insurance Agent

14115 Robert Paris Court, Chantilly, VA 20151
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  • Multiple Policy Types

Business Description

Edward McCarthy - Farmers Insurance Agent is an insurance agency operating in Centreville. The company provides clients with comprehensive and customizable insurance options for their homes, cars, and businesses. It offers an insurance policy for homeowners that protects homes and personal possessions from unexpected damages, natural disasters, accidents, and losses. Edward McCarthy has over 25 years of industry experience and is committed to delivering personalized insurance solutions with a straightforward approach.

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 (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
Keener Insurance Agency Inc. logo
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Keener Insurance Agency Inc.

13880 Braddock Road, Centreville, VA 20121
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  • Multiple Policy Types

Business Description

Keener Insurance Agency Inc. is a family-owned local insurance company in Centreville founded in 1973. It provides homeowners' insurance, which offers a wide variety of coverage including loss of use, personal property, personal liability, and medical payments to others who are accidentally injured on the premises. Keener Insurance Agency also offers products that guarantee full protection features like the UltraCover Policy from Erie Insurance Group, Platinum and Platinum Plus from Travelers Insurance, and the home policy with HO 101 Signature Home Endorsement from Grange 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 (4)

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
Quest Insurance logo
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Quest Insurance

4433 Brookfield Corporate Dr. Suite A, Chantilly, VA 20151
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  • Multiple Policy Types

Business Description

Quest Insurance is an independent insurance agency that provides insurance plans to clients in the Centreville metro. One of its offerings is its homeowners' insurance package that helps clients protect their homes and properties from natural disasters, fires, damage, and loss. It also covers any liability clients may incur if an injury or accident happens to other people within the premises of the home. The agency also offers packages that protect condos, boats, and motor vehicles.

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 (23)
Facebook
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
R H Nicholson & Company, Inc. logo
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R H Nicholson & Company, Inc.

3998 Fair Ridge Dr 200, Fairfax, VA 22033
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  • Multiple Policy Types

Business Description

R H Nicholson & Company, Inc., provides personal and commercial insurance solutions for clients in Centreville and the rest of the region since 1963. Its team of independent insurance agents helps clients choose from the multiple insurance carriers that the company represents. They offer the right homeowners' insurance to protect customers' private residences from financial losses and damages due to disasters. In addition to the standard homeowners' insurance policy, the company also offers coverages for valuable items such as jewelry.

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
4.9 / 5 (32)

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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