Homeowners Insurance in Plano, 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 Plano, TX: 24 licensed insurance agencies serve 290,190 residents in Collin County. auto premiums average $1,880 per year — 3% above the Texas state average.
24 homeowners insurance agencies in Plano
Within 15 miles of Plano, TX. Click any agency to view profile, contact info, and request a quote.
AZ Auto Insurance
AZ Insurance is a trusted insurance agency in Houston, Texas, serving families since 2003 with 15 locations and bilingual agents. They specialize in auto insurance and offer personal, commercial, and specialty coverages such as homeowners, renters, motorcycle and commercial liability.
KAS AUTO INSURANCE
At KAS Auto Insurance, we've been serving the Texas community for over 15 years. Our team of dedicated insurance professionals is committed to providing personalized service and finding the perfect coverage for your unique needs.
The Sterling Insurance Group
The Sterling Insurance Group is an insurance agency located in Plano, Texas serving Colorado, offering simple, fast, and easy insurance solutions. They focus on reducing headaches by providing efficient, clear, and value‑focused coverage for individuals, families, and businesses.
Hempkins Insurance
Hempkins Insurance is an independent Texas‑based agency founded in 1981, offering personal and business insurance with a concierge level of service and a focus on client needs.
Highstreet Insurance - Sandy Garza & Associates
We insure the things you love, helping you protect today and illuminate tomorrow. Our local agents keep the things you care about safe so you can plan for the future with confidence.
American mga insurance
American MGA provides confidence, care, and commitment with transparent, simple insurance solutions. The agency offers a full range of policies including auto, home, business and life insurance, and emphasizes personalized guidance and integrity.
The Benefits Boss
The Benefits Boss is a health‑focused insurance agency that provides customized coverage solutions, including life and Medicare options, to individuals, families, and small businesses. With decades of experience and thousands of satisfied clients, the agency emphasizes expert guidance, dedicated support, and affordable plans.
Rising Star Insurance Group
Rising Star Insurance Group specializes in safeguarding businesses, homes, and futures, offering personalized insurance solutions with over 40 years of trusted experience and a focus on integrity, expertise, and exceptional service.
Decisive Insurance Agency
Decisive Insurance specializes in commercial, life, home and auto insurance policies, partnering with A‑rated admitted carriers to provide quality coverage. They offer a range of products from homeowners and auto to business and specialty insurance.
Christy Smitherman - The Benefits Partners
The Benefits Partners provides affordable health insurance solutions for individuals, families, and small businesses, helping clients navigate plans and find coverage.
HI Agency
HI Agency provides personalized insurance solutions for homes, autos, businesses, life and health, offering access to multiple top‑rated carriers and an in‑house team that delivers expert guidance and competitive options.
American Option Insurance Agency
American Option Insurance is a Texas‑based agency offering a variety of insurance products such as auto, homeowners, life, commercial property and business liability coverage. They partner with multiple carriers to provide options and focus on responsive, professional customer service.
Assurnet Insurance Agency Agent: Mark Solomon, Sr.
Assurnet Insurance Agency is an independent insurance agency in Richardson, Texas that has been serving the state since 1986. It offers personal and business insurance solutions, compares options from top carriers, and aims to simplify the insurance process for its customers.
Rush Agency
Rush Agency is an independent, family‑owned insurance agency founded in 1983 serving the Dallas‑North Texas area. They work with multiple carriers to provide auto, home, renters, and life insurance, offering free quotes and personalized service.
Del Toro Insurance
Del Toro Insurance is a trusted insurance company proven to provide the best insurance policies at the most affordable rates. As one of the best insurance companies, we stand out among leading insurance agencies for our quality protection, reliability, and exceptional customer service.
Brightway Insurance, The Phan Agency
Brightway Insurance offers a modern, independent‑agent approach that connects customers with a variety of carriers and personalized quotes. The agency emphasizes trust, quick response, and comprehensive coverage options for individuals and businesses.
Five Star Insurance Group
Five Star Insurance Group is an independent insurance agency serving clients in the Richardson, Texas area. They offer personal and business insurance coverages including auto, homeowners, pet, boat, condo, and various commercial lines.
Hillcrest Insurance Group - Frisco
Hillcrest Insurance Group, Inc. is an independent insurance agency offering auto, homeowners, and commercial insurance solutions. The agency emphasizes helping clients compare rates and obtain coverage that fits their budget.
Christie Rhyne - State Farm Insurance Agent
Welcome to the Christie Rhyne State Farm Insurance Agency in McKinney, TX, proudly celebrating 15 years of service on July 1, 2025. Since 2010, the agency has helped families, individuals, and businesses throughout the Dallas‑Fort Worth area protect what matters most through personalized insurance and financial services.
Patterson & Associates Insurance
Patterson & Associates Insurance is a Texas‑based agency with over 40 years of experience providing commercial, personal and employee benefits insurance solutions. They serve a wide range of industries and individuals, offering tailored coverage such as auto, homeowners, umbrella and life policies.
Christopher Walls - State Farm Insurance Agent
We are a local insurance resource serving the Allen, McKinney, Frisco, and Plano area, offering auto, home, life, and other insurance products. Agent Christopher Walls has been with State Farm since 2003, providing personalized service for over 20 years.
ALPA Insurance
ALPA Insurance offers quick, simple, commitment‑free insurance solutions across Texas, serving customers for over 15 years with more than 50 locations. They provide multiple lines such as auto, motorcycle, renters, homeowners, and commercial coverage, and serve both English and Spanish speakers.
INSURANCE SOURCE OF TEXAS
Insurance Source of Dallas is an independent insurance agency based in Dallas, Texas. We take pride in providing the power of choice to our clients for all their insurance needs.
Highstreet Insurance - Sandy Garza and Associates - Collum Location
The agency offers personal and business insurance products, emphasizing local agents who provide expertise, guidance, and support to protect customers' assets and help them plan for the future with confidence.
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.