Homeowners Insurance in Mcallen, TX
Homeowners insurance covers your dwelling, personal property, and personal liability if someone is injured on your property. In Texas, most policies follow the standard HO-3 form. Hurricane-exposed regions (Gulf Coast) often need separate windstorm coverage through TWIA.
Homeowners insurance in McAllen, TX: 24 licensed insurance agencies serve 148,225 residents in Hidalgo County. auto premiums average $2,690 per year — 2% below the Texas state average.
24 homeowners insurance agencies in Mcallen
Within 15 miles of Mcallen, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Licensed insurance agency in Mcallen, TX; represents 25 carriers.
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
Licensed insurance agency in Mcallen, TX; represents 15 carriers.
Licensed insurance agency in Mcallen, TX; represents 2 carriers.
Licensed insurance agency in Mcallen, TX; represents 1 carrier.
Licensed insurance agency in Mcallen, TX; represents 12 carriers.
Freeway Insurance offers a wide range of insurance products, including auto, homeowners, renters, life, motorcycle, and boat coverage, and serves customers across all 50 U.S. states.
Greenspoint Insurance is a McAllen, TX based agency offering auto, home, life, health, and other insurance services. They partner with multiple carriers to provide a range of coverage options for individuals and families.
Licensed insurance agency in Mcallen, TX; represents 15 carriers.
Licensed insurance agency in Mcallen, TX; represents 21 carriers.
Licensed insurance agency in Mcallen, TX; represents 27 carriers.
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400 plans. It makes it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service.
Amtex Insurance provides affordable auto, home, renters, and commercial insurance solutions with a focus on personal, local service. With over 25 years of experience, they emphasize quick quotes, multiple carrier options, and community involvement. Their mission is to deliver real insurance for real people across Texas.
Licensed insurance agency in Mcallen, TX; represents 41 carriers.
Licensed insurance agency in Mcallen, TX; represents 50 carriers.
Licensed insurance agency in San Antonio, TX; represents 2 carriers.
Farmers Insurance agent Griselda Melendez serves the Pharr, Texas area.
Licensed insurance agency in Mcallen, TX; represents 10 carriers.
Real Insurance for Real People. Affordable auto, home, and business insurance protecting what matters most to you.
Licensed insurance agency in Mcallen, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mcallen, TX; represents 29 carriers.
Saenz Insurance Brokers is a family‑owned agency offering auto, home, life and commercial insurance solutions throughout Texas. With over 15 years of experience, they simplify the insurance process by leveraging a broad network of carriers and focus on personalized, attentive service for their clients.
Madrinas Insurance provides affordable health coverage options such as Obamacare marketplace plans, Medicare, Medicaid transition assistance, and additional products like life insurance. Their bilingual agents offer personalized plan matching, fast enrollment, and year‑round support.
Frequently asked questions
Is homeowners insurance required in Texas?
Not by state law, but mortgage lenders require it as a condition of the loan. If you own outright, it's optional but strongly recommended.
Does homeowners insurance cover floods?
No. Flood damage requires a separate flood policy, typically through the National Flood Insurance Program (NFIP) or a private flood carrier.
What's the difference between actual cash value and replacement cost?
Actual cash value pays out what your damaged property is worth today (after depreciation). Replacement cost pays the full cost to replace it new. Replacement cost is more expensive but pays out more after a loss.