Home Insurance Agencies

Home Insurance, also called homeowner’s insurance is property insurance that covers a private residence. If you own a house, you should consider having insurance, since it can protect unnecessary expenses in case something happens to your property. This includes protecting you and your house in case of damages caused by fires or major storms. If your house gets damaged, the agency will cover the cost of repairing or even replacing your house if necessary. And pay your living expenses if you need to move out from home while it’s being repaired. But home insurance can also protect you and your house in case of burglary. If you have home insurance, the agency will cover any expenses, for example, the cost of your jewellery if stolen or any personal property if damaged. Finally, when you have guests over, if any of them gets injured, your chosen home insurance agent can help you cover the guest’s medical costs.  

 Now that you know all the reasons why you should have insurance for your home, it’s time to look at the five best home insurance agencies.

Home Insurance Agencies: Amica

Amica started in 1907 and has been in business for over a century, making it the oldest mutual insurer of automobiles in the country. Amica also offers home, marine, personal umbrella liability and life insurance products. They aim to create peace of mind and build enduring relationships. Amica was also named the “Best Homeowners Insurance Company of 2020” by the U.S. News and World Report, among other awards. Amica has three separate companies with 44 offices around the U.S. and doesn’t provide local customer service, only through telephone.

A standard home insurance policy from Amica covers damage from fire and weather. This includes buildings attached to the main dwelling like a garage, as well as detached structures like a shed or fence, are included. Standard policies also include personal property coverage to help pay for furniture, clothing, electronics, or other possessions not permanently attached to your home. Personal liability coverage protects you from lawsuits and pays for medical expenses if guests are injured on your property or their possessions are damaged. It also pays for temporary housing and food while your home is being repaired or rebuilt after a loss.

Home Insurance Agencies: USAA

USAA was opened in 1922 by a group of 25 Army officers that met San Antonio. Their initial idea was to ensure one another’s vehicles. United Services Automobile Association (USAA) offers insurance and financial products for members of the U.S. armed forces and reserves of any rank, along with veterans and their families. Still based in San Antonio, USAA operates satellite offices around the United States, as well as London; Frankfurt, Germany; and Luxembourg. It also offers insurance for life, health, autos, small businesses, pets and personal property. USAA Bank offers a full line of checking and savings accounts, loan services and access to ATMs nationwide.

A standard homeowners insurance policy includes guest medical and personal liability insurance to help pay for medical care and damages resulting from injuries to others on your property, and loss-of-use coverage for living expenses if your home is uninhabitable after a claim. In addition, standard homeowners insurance coverage provides up to $5,000 to help pay fraudulent credit card expenses and other damages resulting from identity theft.

Home Insurance Agencies: Erie insurance

Erie Insurance is based in Erie, Pennsylvania and was founded by two partners. They started by selling auto insurance but later expanded to other types of insurance. Erie sells insurance for autos, retirement planning, life insurance and insurance for business products. It also offers specialized insurance for condo owners and mobile homeowners. However, Erie only sells insurance in limited parts of the East and Midwest. Moreover, it only sells its products through licensed independent agents, with no option to buy online or even get an estimate.

A standard home insurance policy with Erie includes coverage for the primary dwelling to help pay for damage from storms, fire, and other events. Standard policies also include personal property coverage for protection against fire, theft and other losses, as well as loss-of-use coverage to provide alternate housing and meals if you need to relocate while your home is repaired. Standard liability coverage protects against medical costs and lawsuits from dog bites, falls and other incidents incurred by others on your property.

Home Insurance Agencies: Allstate

Allstate opened in 1931 and is today one of the largest insurers in the U.S. With almost 16 million customers, Allstate operates in 50 states with over 113 million policies. Allstate owns several other insurance companies, including Encompass Insurance and SquareTrade. Allstate offers a variety of insurance products, including auto and motorcycle policies, business insurance, pet policies, and life insurance, along with financial and retirement planning services. You can purchase Allstate products and services directly from the company or through independent local agents.

Allstate’s standard home insurance policies include coverage for a dwelling and attached fixtures such as a garage. A standard policy provides you protection against damage from fire, smoke, theft, vandalism, and weather including hail, wind, and lightning. A standard homeowners insurance policy can also include coverage for damage to other structures such as a detached garage or outbuilding, pool, or fence. You will also get personal property coverage with a standard policy to help pay replacement costs for your furniture, clothing, and other possessions in your home. If a visitor is injured on your property, your insurance also includes guest medical coverage and liability protection to help pay for medical expenses and potential lawsuits.

Home Insurance Agencies: State Farm

 State Farm was founded by George Jacob Mecherle in 1922. Based in Bloomington, Illinois, State Farm also has corporate locations in Atlanta, Dallas, and Phoenix, along with offices throughout the country. The company has an A++ rating for financial strength from A.M. Best. In addition to homeowners and property insurance, State Farm offers policies for life, health, disability, and liability insurance, with a variety of specialized choices in each category. State Farm also sells policies for renters and condo owners, along with insurance for income property, manufactured homes, farms, ranches, and personal articles.

Standard homeowners insurance policies from State Farm include typical coverages offered by most insurers, such as dwelling coverage to protect your home against damage from weather and similar coverage for a detached garage, shed, guesthouse, greenhouse or another outbuilding. Damage from fire, theft, and vandalism unrelated to weather is also covered, as is water damage from leaking pipes and harm to vehicles. Standard coverage also includes personal property protection for furniture, appliances, clothing and other possessions in your home.