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.
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.
Abelardo Ramirez-Meda is an Allstate insurance agent in McAllen, TX offering auto, home, renters, motorcycle, life, and boat insurance. He has been with Allstate since 1999 and serves English‑ and Spanish‑speaking customers throughout the McAllen area.
Get Covered Insurance Agency is a family‑focused insurance brokerage in McAllen, Texas offering Medicare Advantage, Medicare Supplement, ACA marketplace, funeral and life insurance plans along with credit repair, tax preparation, and notary services. They provide free, unbiased consultations to help clients choose the right coverage.
Real Insurance for Real People. Affordable auto, home, and business insurance protecting what matters most to you.
Welcome to Univista Insurance, where we craft insurance solutions tailored to your unique needs. Our dedicated agent Javier Villa provides personalized service in McAllen, TX, offering auto, home, commercial, life and health insurance.
Our family has operated an Allstate Agency in Weslaco for over 25 years, helping customers with home, auto, life, and other insurance needs. We are a family‑oriented business that treats employees and customers like family and offers professional service and solutions.
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.
Showery Insurance & Financial Services is a full‑service agency in Texas offering auto, homeowners, commercial, life, and health insurance through a variety of carriers. The agency emphasizes friendly, personalized service and a long‑standing presence in the community.
RG Insurance Agency, a family‑owned Texas insurer founded in 2009, offers a range of personal and commercial coverage options. As a licensed Progressive Agent, the agency focuses on affordable, flexible policies for auto, home, life, motorcycle, boat, and more, serving the Pharr, McAllen, and Alamo areas.
Farmers Insurance agent Griselda Melendez serves the Pharr, Texas area.
Amtex Insurance provides affordable auto, home, and business insurance solutions, emphasizing real‑people service and community focus. Since its founding, the agency has aimed to offer reliable coverage without high costs, highlighting a "people first" approach.
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.
Infinity Insurance Agency, Inc. (IIA) provides affordable personal and commercial auto insurance solutions across multiple states, offering bilingual English and Spanish support. Their team works with over 20 carriers to customize coverage for drivers, including SR‑22 filing and foreign license assistance.
Brenda Gomez has been serving the McAllen, TX area since 2009 and opened her Allstate agency with her husband in September 2014. The agency offers a range of insurance products, provides bilingual service in English and Spanish, and is active in local charitable outreach.
Prominence Health provides a range of health plan options for Nevada companies, including association health plans, fully insured, self‑funded, and Medicare Advantage, emphasizing local support and broad provider networks.
E&E Insurance Agency is a local, multi‑line insurance agency serving South Texas since 2010. They help families and individuals find personal and business coverage by shopping multiple providers on their behalf. Their mission is to provide the best service and a wide range of affordable plans.
Pronto Insurance is a local agency in McAllen, TX offering auto, home, renters, and business insurance. They work with more than 30 carriers to provide affordable coverage and emphasize fast, friendly service.
Acumen Insurance Group is a local independent agency in McAllen specializing in Medicare, health, life and supplemental insurance. They emphasize personalized service, comprehensive needs analysis, and long‑term relationship building with the community.
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.
Iglesias Insurance Brokers provides auto, general liability, homeowners, commercial, and life insurance solutions to individuals and businesses in Texas. As independent agents, they work with multiple carriers to find the right coverage for each client. Their dedicated staff focuses on building solid relationships through practical solutions and excellent service.
Contigo Insurance Agency is an independent Texas‑based broker offering low‑cost auto, home, and commercial insurance. They partner with over 30 carriers to provide customized policies and also offer tax preparation and notary services. Their focus is quick, easy, and hassle‑free service for individuals and businesses.
Robert Elizalde is a State Farm insurance agent serving the Edinburg, McAllen and Mission, TX area. With over 21 years as a State Farm agent and a combined 65 years of agency experience, the office offers a range of personal and business insurance products. The team emphasizes personalized service and community involvement.
AMCO Auto Insurance is a local Texas agency with over 27 years of experience providing affordable auto, homeowners, motorcycle, and commercial insurance coverage, including specialized Mexico coverage for drivers crossing the border.
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.