Houston, TX Home Insurance - Analysis On Quotes, Rates & Agents
Houston Insurance Rates:
Houston, TX homeowners insurance is nearly $879 to $1,190, about $73-$99/month. Our all inclusive research reveals consumers can save as much as $414 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Discounts Available on Home Insurance in Houston, TX
The average price of homeowners insurance in Houston, TX, is $1697. Home is where you feel most comfortable. And for most people in Houston, their home is also their most significant investment. So it would be best if you protect that investment by choosing the right home insurance in Houston, TX.
Have a peek at the cheapest home insurance companies in Houston, Texas, to find the best home policy that fits your requirements.
Top Home Insurance Companies in Houston, TX
Homeowners looking for the best home insurance in Houston will find no shortage of options. Below listed are a few best insurance companies that offers affordable homeowners insurance in Houston, TX.
Cost of insurance based on the coverage level in Houston, TX
The insurance company you choose to insure and protect your home is very prominent. Coverage is the package that covers all the damages to your home due to unfortunate incidents. Houston, TX, homeowners paying a coverage of $100K can avail of home insurance for $1169. Typically homeowners choose to pay coverage of $200K to $300K, which comes to $2489 and $4562, respectively.
Cost of insurance based on the deductibles in Houston, TX
If your home is damaged in an unfortunate event, you'll have to pay a deductible before your insurance company pays the rest of the claim. In other words, a deductible is the portion of coverage that you have to pay from your pocket. Houston homeowners opt for a higher deductible to lower their insurance premiums. A deductible is the share of coverage that the policyholder has to pay from his own pockets. Once the policyholder files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.
So, Houston homeowners paying a high deductible of $2500 can avail of home insurance for $1219. Likewise, Houston homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $1428 and $1297, respectively.
Cost of insurance based on the insurance bundling in Houston, TX
Bundling your home and auto insurance policies can be a great way to save money on home insurance in Houston, TX. Many insurance companies offer discounts on combined policies, so you could get lower prices by bundling in Houston.
For instance, State Farm usually offers an average annual auto insurance rate (with bundle) for $1,234.53 in Houston, Texas.
Ways to Lower the Cost of Home Insurance in Houston, TX
The amount of savings one can obtain on home insurance depends on a lot of factors such as the age of the home, the construction material used, and home safety devices that have been installed. The average cost of home insurance in Houston is $1,697, which is way higher than the average cost of home insurance in the state of Texas and the country as a whole. Homeowners can benefit by comparing multiple home insurance quotes before arriving at one that best suits their needs.
Home Safety Devices:
The cost of home insurance can vary from one neighborhood to another based on how prone that neighborhood is to thefts and break-ins. Home insurance companies provide discounts for various home-safety devices, some of which are listed above. Deadbolts garner the most number of discounts at $238, while smoke detectors are not far behind at $221.
Bundling:
Bundling together home, life and auto insurance with the same insurance company can also help in improving savings in Houston. For instance, Allstate offers a discount of up to 10% on auto insurance and 25% off on home premiums when home and auto insurances are bundled together. State Farm, another popular insurer claims that bundling together home and auto insurance with them, can help in improving savings up to $854.
Retiree/Senior-Citizen Discounts:
Home insurance companies also offer discounts to retirees and senior citizens. In Houston, this discount can be anywhere near $238. The cost of home insurance can reduce to as low as $1,935. Further, insurers also offer discounts to newly constructed homes. This can be anywhere near $500.
Construction Type:
Home insurance companies also offer discounts on superior and environment-friendly construction types. With the increasing global temperature, home insurance companies are trying their best to assist homeowners in reducing their carbon footprint by offering discounts on greener homes. In Houston, fire-resistive construction can fetch discounts of up to $170. A superior construction type can also help in improving savings considerably.
Others:
Discounts are also offered by home insurance companies if the home is absolutely smoke-free. Being a non-smoker reduces the risk of fire at home. With the advent of cutting-edge technology such as Google homes, home insurers are also providing discounts to homeowners with smart homes.
Houston, TX, Home Insurance Companies With The Cheapest Rates
Homeowners in Houston, TX, pay an average home insurance rate of $1,046 annually. This translates to about $73-$99 per month. According to Vhome’s research, homeowners in Houston can save up to $414 annually by choosing the cheapest home insurance company according to their needs.
Allstate
Backed by a keen understanding of regional home insurance trends, Allstate employs local agents in Houston to provide the cheapest quotes on home insurance rates. For a deductible rate of $500-$1,000, the insurance company quoted a monthly insurance rate of $95 for a house built in 2003 on a policy coverage between $150,000-$175,000. Homeowners can further lower insurance rates by paying a high deductible to make their insurance payments cheaper.
Farmers
In the year 2002, when Hurricane Rita struck Houston’s neighborhood city of Beaumont, Farmers sent 300 agents to estimate the property damage of their policyholders and also donated $100,000 for the city’s welfare. This earned Farmers a special place in the insurance market in the state of Texas. Farmers quoted a $234 monthly insurance rate for a house built in 2010 on a policy coverage between $300,000-$350,000.
Travelers
Homeowners who have a policy with Travelers, pay an insurance rate of $4,340 on a policy coverage of $125,000-$150,000, provided, they choose to pay a deductible rate of $1,000. The insurance company provides a discount of up to 13% if homeowners bundle their home insurance policy with auto insurance policies. Travelers also offers discounts and incentives for green homes.
Amica Mutual
Amica Mutual Insurance Company quoted a monthly insurance rate of $68 for a home built in 1986 on a policy coverage between $100,000-$125,000 for a deductible rate of $500. Homeowners can save up to 15% if they bundle their home insurance policy with auto insurance policy. Amica Mutual also provides multiple discounts on home insurance rates, making them one of the most reasonable insurers in Houston.
How To Choose A San Antonio, TX, Home Insurance Company
The average homeowner's insurance in San Antonio, TX, is $1036 per annum. According to Vhome’s analysis, San Antonio homeowners can save as much as $410 by comparing quotes and reviews from different home insurance companies.
Home Insurance Company Ratings
Home insurance companies are rated on two main criteria, namely financial strength and customer satisfaction. The ratings provided by reputable agencies on home insurance companies will help San Antonio homeowners choose a good home insurance company. For example, State Farm has a financial strength rating of A++ (superior) from A.M. Best and a rating of AA (very strong) from S&P Global.
Comparing Quotes
The insurance quotes provided by two different home insurance companies will never be the same. Agents work with homeowners to create a home insurance policy that meets the requirements of homeowners. Based on the policies, quotes are provided to homeowners. Homeowners are advised to approach multiple home insurance companies to get the cheapest quote.
Providing Discounts
Home insurance companies tend to provide discounts to homeowners, whose homes are less prone to damage and burglaries. San Antonio homes built with fire-resistant materials earn a $124 discount, whereas, brick and masonry homes get a $62 discount. Homes located close to police departments and fire stations get discounts of up to $41 and $31, respectively.
Processing a Claim
Home insurance companies require proof of loss statements and supporting documentation from homeowners to analyze and issue a claim. Homeowners are advised to choose companies that have 24/7 claim support service, and are swift in processing claims. According to the law, home insurance companies have 40 days to accept or deny a claim.
Post-Claim Insurance Rates
Filing a claim would increase home insurance costs significantly. Vhome’s analysis reveals, home insurance companies increase home insurance costs up to 44% based on claims history. We caution homeowners to be aware of the potential increase in home insurance rates as a result of filing claims.
Houston, TX Homeowners Insurance By Home Value
| Houston, TX Home Value | Total Homes | % of Total | Average Houston, TX Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 38,935 | 7.0% | $196 |
| $50,000 to $59,999 | 15,572 | 3.0% | $424 |
| $60,000 to $69,999 | 23,544 | 4.0% | $527 |
| $70,000 to $79,999 | 29,546 | 5.0% | $610 |
| $80,000 to $89,999 | 40,232 | 7.0% | $693 |
| $90,000 to $99,999 | 44,965 | 8.0% | $776 |
| $100,000 to $124,999 | 89,931 | 17.0% | $900 |
| $125,000 to $149,999 | 63,041 | 12.0% | $1128 |
| $150,000 to $174,999 | 50,994 | 9.0% | $1335 |
| $175,000 to $199,999 | 26,844 | 5.0% | $1542 |
| $200,000 to $249,999 | 38,458 | 7.0% | $1852 |
| $250,000 to $299,999 | 24,274 | 4.0% | $2266 |
| $300,000 to $399,999 | 29,730 | 5.0% | $2877 |
Top Home Insurance Agents Near Houston, TX
| Home Insurance Company Near Houston, TX | Homeowners Insurance Agency Near Houston, TX | Address |
|---|---|---|
| NA | Twfg Insurance Services | 2620 Chestnut Ridge Kingwood, Houston, TX, 77339 |
| NA | Insurance Solutions Of America | 5901 Hillcroft St. Ste D-4, Houston, TX, 77036 |
| NA | Ward Business Insurance Agency, Lp | 18477 W Lake Houston Pkwy., 18477 W Lake Houston Pkwy., , Humble, TX, 77346 |
| Farmers | Jay Bhavsar | 4151 Southwest Fwy Ste 520, Houston, TX, 77027 |
| State Farm | John Cowart | 2757 Rayford Rd Ste C, Spring, TX, 77386-3999 |
Houston, TX Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Houston, TX
| Streets in Houston Area | Homeowners Insurance Cost |
|---|---|
| E Ritter Cir, Fichter Ave, Buckeye Dr, Palace Oaks Ct, Westmead Dr, Pallavi Woods Dr, Hope Village Rd, Honey Locust Dr, Oak Knoll Ln, Kingsford Dr | $1,017 |
| Drakewood Dr, Abigail Grace Ct, Bluejay Twin Cir, Park Royle Ct, Painted Mesa Cir, N Featherwood Dr, Shadow Hill Ln, N Pine Brook Way, Inkberry Dr, Refugio Ct | $1,025 |
| West St, Plum Knoll Ct, Northland Dr, Brookshire St, Saint Pl, Alvin St, Wayforest Dr, Woolwich Dr, Oates Ln, Hazy Brook Ln | $1,077 |
| Windsor Ln, Royalbrook Dr, Jan Kelly Ln, Custus St, Woodruff St, Beutel Dr, Gospel Way, Lake White Rock Dr, Berrington Dr, Drury Ln | $1,031 |
| Garden Grove Ct, Waterville Way, Allsup St, Emir, Lansbury Dr, del Papa St, Pointer St, Fox Mesa Ln, Merrill Hills Ct, Windy Meadow Dr | $1,028 |
| Maeline St, Windy Lake Dr, Heatherpark Dr, Saylynn Ln, Sagelink Dr, Fir Hollow Cir, Des Chaumes Ct, Brentwood Dr, Reeveston Rd, Carolina Grove Ln | $1,083 |
| Ralston St, Dallam Ln, NW Park Place Dr, Gaelic Ln, Mallow St, Lauderdale St, Keystone St, White Blossom Ln, Willow Shores Dr, Brackenridge St | $1,079 |
| Silver Rock Dr, N Hunters Court Dr, Haralson Rd, Peninsula Park Dr, Woodspring Acres Dr, Iris Hollow Way, Bedworth Ln, Oakside Dr, Sailors Moon Ct, Envoy St | $1,029 |
| Henson St, Ashford Meadow Dr, Sagelink Cir, Craddock Dr, Kit St, Raingreen Dr, Elgin Ct, Greenwillow Ct, Boyce St, Ridgewood Pl | $993 |
| Stephenson Rd, Huisache St, Ledgewood Dr, Linkterrace Ln, Jubilo Ln, Sunwood Dr, Rebel Yell Dr, Brownstone Ln, Furray Rd, Corner Creek | $993 |
Houston, TX Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Houston | $155 to $157 |
| Harris County | $155 |
| Hilshire Village | $192 |
| West University Place | $208 |
Houston, TX Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Harris County, Texas | $130 | $173 | $259 |
| Hilshire Village city, Texas | $160 | $213 | $320 |
| West University Place city, Texas | $173 | $231 | $346 |
Houston, TX Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Houston, TX | 5.8% | 16.3% |
| Harris County | 5.62% | 15.99% |
| Hilshire Village | 2.92% | 10.66% |
| West University Place | 2.89% | 11.55% |
Houston Renters Insurance as a Percentage of Rent
| Houston Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 5,310 | 1.0% | $800 |
| $300 to $499 | 23,523 | 4.0% | $1250 |
| $500 to $749 | 141,956 | 29.0% | $1925 |
| $750 to $999 | 147,062 | 30.0% | $2675 |
| $1,000 to $1,499 | 122,698 | 25.0% | $3800 |
| $1,500 or more | 43,541 | 8.0% | $5450 |
Houston, TX Homeowners Insurance by Zip Code
| Zip Code | Median Home Value | Median Homeowners Insurance |
|---|---|---|
| 77099 | $98,700 | $1,020 |
| 77067 | $97,000 | $1,020 |
| 77086 | $96,300 | $1,030 |
| 77072 | $96,100 | $1,020 |
| 77088 | $93,900 | $1,020 |
| 77015 | $93,500 | $1,020 |
| 77037 | $93,000 | $1,020 |
| 77060 | $92,200 | $1,020 |
| 77091 | $91,800 | $1,020 |
| 77038 | $90,300 | $1,020 |
| 77039 | $88,000 | $1,010 |
| 77045 | $87,900 | $1,010 |
| 77017 | $86,900 | $1,020 |
| 77013 | $86,800 | $1,020 |
| 77053 | $86,300 | $1,020 |
| 77076 | $85,800 | $1,020 |
| 77087 | $85,700 | $1,010 |
| 77022 | $83,900 | $1,010 |
| 77048 | $83,300 | $1,010 |
| 77021 | $82,400 | $1,020 |
| 77012 | $80,600 | $1,010 |
| 77011 | $78,300 | $1,010 |
| 77093 | $76,700 | $1,010 |
| 77050 | $76,400 | $1,020 |
| 77032 | $73,100 | $1,010 |
| 77005 | $723,300 | $1,400 |
| 77020 | $71,900 | $1,010 |
| 77078 | $67,700 | $1,010 |
| 77016 | $65,200 | $1,000 |
| 77033 | $65,000 | $1,000 |
| 77024 | $632,700 | $1,330 |
| 77028 | $61,000 | $1,000 |
| 77026 | $59,900 | $1,000 |
| 77051 | $54,400 | $1,000 |
| 77056 | $543,600 | $1,290 |
| 77027 | $455,900 | $1,270 |
| 77098 | $392,200 | $1,230 |
| 77019 | $379,900 | $1,200 |
| 77025 | $324,000 | $1,170 |
| 77046 | $320,900 | $1,170 |
| 77079 | $319,900 | $1,170 |
| 77006 | $306,000 | $1,150 |
| 77007 | $296,400 | $1,160 |
| 77094 | $284,600 | $1,160 |
| 77008 | $278,900 | $1,150 |
| 77096 | $256,300 | $1,120 |
| 77059 | $242,500 | $1,120 |
| 77081 | $221,900 | $1,100 |
| 77057 | $221,200 | $1,110 |
| 77002 | $216,400 | $1,100 |
| 77055 | $215,000 | $1,100 |
| 77077 | $209,100 | $1,100 |
| 77042 | $206,600 | $1,090 |
| 77018 | $205,600 | $1,090 |
| 77069 | $202,200 | $1,090 |
| 77004 | $200,800 | $1,100 |
| 77063 | $188,500 | $1,080 |
| 77095 | $168,300 | $1,070 |
| 77068 | $161,300 | $1,070 |
| 77058 | $158,500 | $1,070 |
| 77062 | $158,400 | $1,060 |
| 77070 | $157,900 | $1,070 |
| 77009 | $155,600 | $1,060 |
| 77035 | $151,100 | $1,060 |
| 77043 | $143,100 | $1,060 |
| 77065 | $143,000 | $1,050 |
| 77041 | $137,600 | $1,040 |
| 77090 | $137,000 | $1,050 |
| 77064 | $134,800 | $1,050 |
| 77044 | $131,000 | $1,050 |
| 77082 | $129,800 | $1,040 |
| 77092 | $129,400 | $1,040 |
| 77080 | $128,200 | $1,050 |
| 77084 | $127,400 | $1,040 |
| 77089 | $123,300 | $1,040 |
| 77014 | $122,600 | $1,040 |
| 77071 | $121,000 | $1,040 |
| 77083 | $119,800 | $1,040 |
| 77066 | $118,700 | $1,040 |
| 77031 | $118,300 | $1,040 |
| 77075 | $116,600 | $1,040 |
| 77003 | $116,100 | $1,030 |
| 77054 | $114,800 | $1,040 |
| 77061 | $113,800 | $1,040 |
| 77073 | $113,200 | $1,040 |
| 77036 | $112,500 | $1,030 |
| 77085 | $112,100 | $1,030 |
| 77047 | $104,800 | $1,030 |
| 77034 | $103,800 | $1,030 |
| 77023 | $103,000 | $1,030 |
| 77074 | $102,900 | $1,030 |
| 77049 | $100,400 | $1,030 |
Houston, TX Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Houston Homeowner Insurance Premium Example | $2,000 | $1,600 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $14,800 | $14,000 |
| Net Savings to Houston Home Owner from High Deductible Plan | $800 | |
Houston, TX Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Houston, TX Home Replacement Value MORE than Home Value | Houston, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $836,500 | $608,500 |
| Insurance Premium based on Replacement Value | $8,700 | $6,325 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $83,000 | Risk Exposure from Under Insuring Coverage is $145,000 |
| Premium Impact | Insurance cheaper by $1,500/year | Insurance costlier by $875/year |
Example Houston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | Allstate | Farmers Insurance |
| Monthly Premium | 68 | 95 | 234 |
| Year Built | 1986 | 2003 | 2010 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $100000-$125000 | $150000-$175000 | $300000-$350000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Houston, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1970 | 240,000 | Membrane Roof | 3,360 | 5 | $2500-$5000 Deductible | 110 | 1 | Stone Siding | yes |
| 2010 | 155,000 | Slate Shingles Roof | 1,790 | 2 | $500 Deductible | 1040 | 9 | Wood siding | yes |
| 1983 | 245,000 | Composition Roof | 2,960 | 4 | $5000 to $10,000 Deductible | 1050 | 8 | Vinyl siding | yes |
| 1991 | 125,000 | Composition Roof | 1,830 | 5 | $500 Deductible | 700 | 8 | Vinyl siding | No |
| 1978 | 125,000 | Composition Roof | 1,370 | 3 | $500 Deductible | 520 | 6 | Vinyl siding | yes |
| 1994 | 265,000 | Shingles Roof | 2,780 | 4 | $2500-$5000 Deductible | 1240 | 6 | Wood siding | yes |
| 1965 | 105,000 | Composition Roof | 1,210 | 2 | $500- $1000 Deductible | 60 | 1 | Stone Siding | No |
| 1975 | 125,000 | Tile Roof | 1,890 | 3 | $500- $1000 Deductible | 910 | 10 | Fiber-Cement Siding | yes |
| 1969 | 155,000 | Asphalt Shingles Roof | 1,720 | 3 | $2500-$5000 Deductible | 650 | 9 | Vinyl siding | No |
| 2011 | 85,000 | Composition Roof | 1,210 | 2 | $500- $1000 Deductible | 280 | 5 | Stucco siding | yes |
| 1965 | 160,000 | Composition Roof | 2,240 | 5 | $500 Deductible | 380 | 3 | Vinyl siding | yes |
| 1988 | 165,000 | Asphalt Shingles Roof | 1,880 | 4 | $500 Deductible | 290 | 2 | Wood siding | No |
| 1975 | 110,000 | Tile Roof | 1,290 | 3 | $1000-$2500 Deductible | 240 | 3 | Stucco siding | No |
| 1994 | 210,000 | Slate Shingles Roof | 3,220 | 5 | $5000 to $10,000 Deductible | 980 | 8 | Fiber-Cement Siding | No |
| 2012 | 85,000 | Composition Roof | 1,310 | 2 | $2500-$5000 Deductible | 80 | 2 | Fiber-Cement Siding | No |
| 1990 | 245,000 | Asphalt Shingles Roof | 3,070 | 4 | $2500-$5000 Deductible | 1050 | 7 | Stucco siding | yes |
| 1994 | 120,000 | Slate Shingles Roof | 1,540 | 2 | $500 Deductible | 800 | 8 | Stone Siding | yes |
| 2012 | 275,000 | Shingles Roof | 3,210 | 4 | > $10,000 Deductible | 380 | 4 | Stucco siding | No |
| 2009 | 145,000 | Metal Roof | 2,100 | 5 | $1000-$2500 Deductible | 830 | 8 | Vinyl siding | yes |
| 2014 | 245,000 | Metal Roof | 3,240 | 5 | $2500-$5000 Deductible | 1110 | 7 | Brick siding | No |
| 1999 | 150,000 | Wood Shake Roof | 1,870 | 4 | $2500-$5000 Deductible | 250 | 3 | Stucco siding | yes |
| 1982 | 195,000 | Wood Shake Roof | 2,430 | 4 | $500- $1000 Deductible | 560 | 6 | Stucco siding | yes |
| 1988 | 155,000 | Slate Shingles Roof | 2,290 | 3 | $1000-$2500 Deductible | 520 | 4 | Wood siding | No |
| 2003 | 140,000 | Membrane Roof | 1,730 | 5 | $2500-$5000 Deductible | 330 | 6 | Stone Siding | yes |
| 1988 | 155,000 | Membrane Roof | 2,240 | 3 | $5000 to $10,000 Deductible | 170 | 2 | Wood siding | No |
| 2013 | 185,000 | Composition Roof | 1,930 | 4 | $2500-$5000 Deductible | 1270 | 9 | Wood siding | No |
| 1970 | 75,000 | Wood Shake Roof | 1,180 | 2 | $2500-$5000 Deductible | 310 | 8 | Vinyl siding | yes |
| 1978 | 160,000 | Asphalt Shingles Roof | 1,780 | 3 | $500- $1000 Deductible | 500 | 5 | Stone Siding | yes |
| 1983 | 180,000 | Shingles Roof | 2,140 | 5 | $1000-$2500 Deductible | 210 | 2 | Brick siding | yes |
| 2013 | 135,000 | Asphalt Shingles Roof | 1,960 | 3 | $500- $1000 Deductible | 330 | 4 | Fiber-Cement Siding | No |
| 2006 | 70,000 | Composition Roof | 1,214 | 2 | $2500-$5000 Deductible | 670 | 10 | Wood siding | yes |
Latest Home Insurance Reviews
EsuranceIn short, homeowners insurance helps protect you, your home and your belongings from a variety of unexpected events.
State FarmI would completely recommend my insurance company to anyone looking for a new or increased coverage policy. The rates are good, and the people are great!
TravelersI would recommend Travelers to others. They have decent rates, probably offer what you need at least in terms of basic coverage, and their service is excellent.When I had a claim, it was handled efficiently and professionally.
TravelersThe other small additions can be annoying, as they really don't offer much in the way of value to cost ratio. Prices can be a bit high as well, since they bundle package these features sometimes without telling you.
TravelersThey offer all the standard stuff. The nice thing was that they let me insure the replacement value of the house lower. IE the land is very valuable, so the Zillow estimate or whatever most companies use is skewed.
AllstateIt is an extremely reliable company with a lot of different coverage options and I like working with them because it's easy.
GeicoThey are also good compared to our last insurance company that we had that they tried overcharging us for.
Liberty MutualThe deductible is just $250 where as others were all above $500. Thats another big reason why i choose this insurance. Premiums are the same.
State FarmWe had an experience with a small water leak at our home. Our insurance company quickly sent men out to remedy the problem. They took care of the clean up quickly. I couldn't ask for a better response
State FarmSo far so good i guess there have been a few bumps along the one month road but will have to wait and see if they are worth the money
AllstateThey don't like to pay for anything. they like to drag things. cases are hard to get resolved and paid.
ProgressiveThey have a great website and it is easy to navigate and search when-when you are thinking about new services
Rvos InsuranceOne thing that I like about my home insurance provider is that my agent is always available to answer any questions that I have. When I call my agent, even if he is not able to take my call right away, I always get a callback very quickly.
State FarmPrice is a little bit higher than some of the bargain insurance outlets, but you get what you pay for. State Farm is well worth the slightly higher prices you may pay.
AllstateIt's easy to use and it has all the information that I need about my policy readily accessible. I have a hard time remembering my login sometime, but it's easy to reset.
State FarmI dislike that my agents are constantly changing and no one ever notifies us. It is truly frustrating finding out that I have a new agent and I wasn't notified.
State FarmI think they are no better or worse than other companies. I am satisfied as long as I am able to get through easy with calling. I hate talking to computers and I think they are slightly better than other companies.
Liberty MutualLiberty Mutual has outstanding customer service. If you need to call them for an emergency they are very helpful and understanding. They are there to answer any questions about your policy.
NationwideWhen we shopped for premiums a few years ago they had the best actual premium for what we wanted. we have a number of homes cars and a boat so it was the total premium that mattered, not just once the house
MetlifeThere is only one thing I dislike about the company. I was laid off in 2009. They wouldn't let me set up an automatic deduction through my bank. They raised the prices since I was no longer getting the work discount.
AllstateThe premium for our new house dropped significantly when we moved 1 year ago. We get substantial discounts by combining car insurance as well as homeowners. Other insurance companies are higher and I don't know if I can trust them.
State FarmOverall confusing things that are told by customer service or inconsistent rules applied at the time
State FarmTheir color scheme is absolutely awful. Red and tan? come on folks that are no brainier for disaster. I like the red but I think they should go to a gold. or some sort of dark wood stained color with the red. Maybe like walnut.
State FarmThe top item that I would highlight is their knowledgeable staff and ability to communicate with me on a one on one basis, filling in the gaps in my own knowledge and being understanding to my situations.
State FarmI love this company. My agent knows me by name, and i can call them whenever i need something or if i have any questions.
Allstatein this insurance company was very useful for me. Because it gives a lot of policies and discounts so i recommend my friends and relations. It gives a low cost of premium it help to me.
Progressiveit makes so easly and good offerd and compared with the insurance provider.at being those offerd to be get be there allowed at once.
ProgressiveI like the competitive rates and the technology platform of the mobile app. While I have never filed a claim with this company, I feel they are trustworthy and reputable based on my research and overall feel the value I receive is comparable to other companies with a slightly lower premium and the same value.
Rvos InsuranceMy premium is low but my coverage is good. The company seems fair and dedicated to customer service. It is easy to use and affordable. I feel safe and protect by my coverage.