Homeowners Insurance in Pharr, 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.
24 homeowners insurance agencies in Pharr
Within 15 miles of Pharr, TX. Click any agency to view profile, contact info, and request a quote.
Greenspoint Insurance - San Juan
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.
A-MAX Auto Insurance
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.
Amtex Insurance
Real Insurance for Real People. Affordable auto, home, and business insurance protecting what matters most to you.
Truckers Insurance
Truckers Insurance Agency is a local, family‑owned insurance agency with over 100 years of combined experience serving clients throughout Texas. They provide affordable auto, home, health, life, and commercial insurance to the Rio Grande Valley and surrounding areas.
A-MAX Auto Insurance
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.
Direct Auto Insurance
Direct Auto is a car insurance agency located at 1300 S Cage Blvd in Pharr, TX offering auto, term life, SR‑22 and roadside assistance with flexible payment options.
Amtex Insurance
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.
Farmers Insurance - Griselda Melendez
Farmers Insurance agent Griselda Melendez serves the Pharr, Texas area.
Freeway Insurance
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.
Direct Auto Insurance
Direct Auto agents in San Juan, TX offer flexible payment options and a range of insurance products including car insurance, term life insurance, roadside assistance, and SR‑22 filings. The office is located inside the H.E.B. and serves English and Spanish speaking customers.
Direct Auto Insurance
Direct Auto is a local insurance agency in Alamo, Texas offering auto, term life, and SR‑22 insurance along with roadside assistance and flexible payment options. The office serves the community with extended weekday hours and provides direct quotes online or in‑person.
Trucking Now Insurance
Licensed insurance agency in San Juan, TX; represents 7 carriers.
Amtex Insurance
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.
Ontiveros Insurance
Licensed insurance agency in San Juan, TX. Contact directly for available products and carriers.
Paisano Income Tax, Insurance, Multiservices
Paisano Tax offers tax preparation, bookkeeping, immigration, insurance, motor‑vehicle and notary services, emphasizing personalized assistance for the Hispanic community. The firm highlights friendly, knowledgeable staff and a commitment to guiding clients through financial and legal matters.
Amco Auto Insurance
AMCO Auto Insurance is a local agency in Texas with over 27 years of experience, offering fast, easy and affordable auto coverage along with homeowners, motorcycle and commercial insurance for individuals and businesses.
Tovar Financial Group
Tovar Financial Group, founded in 2003 by Gabriel Tovar, provides professional assistance in Medicare planning as well as life, health, and retirement insurance solutions. Operating from Austin and Weslaco, Texas, the agency leverages over 25 years of industry experience to serve families and individuals.
A-MAX Auto Insurance
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.
Madrinas Insurance Rio Grande Valley
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.
A-MAX Auto Insurance
A-MAX Insurance is a community‑focused agency that helps customers compare coverage from over 35 carriers, offering auto, home, renters, commercial and boat insurance. They provide personalized service, 24/7 roadside assistance, and emphasize diversity and customer satisfaction.
Abelardo Ramirez-Meda: Allstate Insurance
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.
Fred Loya Insurance
Fred Loya Insurance provides auto insurance across 12 states with over 800 offices, offering same‑day coverage and a range of discounts such as multi‑car and good‑driver savings. The agency emphasizes quick quotes, friendly service, and affordable rates for drivers.
Fred Loya Insurance
Fred Loya Insurance offers auto insurance across 12 states with multiple discount options and same‑day coverage. The agency emphasizes quick online quotes and a network of local agents.
Victor Reyna - State Farm Insurance Agent
Victor Reyna State Farm serves the Hidalgo County community with over fifteen years of insurance experience. He opened his own agency in Pharr, Texas in 2011 and added a second office in Weslaco. The agency offers a range of personal and commercial insurance products and serves English‑ and Spanish‑speaking customers.
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.