Insurance Provider Recommendations - San Antonio Texas

[Enrique Villarreal]

Hello BP.  Does anyone have an insurance providers they would suggest for both LTR home insurance and an umbrella policy in San Antonio, Texas?  Is there an advantage to working with multiple insurance brokers or do they all have access to the same providers & rates? Are there advantages to working with a local rep from a large firm such as  State Farm, Allstate, etc.?

Thanks for your help.

[Kevin Hoag]

@Enrique Villarreal If you work with an independent insurance agent/broker that person should have access to multiple carriers and you wouldn't need to work with several of them. I always recommend finding an insurance agent who specializes in the rental industry. Yes, some independent agents have different access to different carriers but with habitational insurance there are only a handful of carriers that specialize insuring rental properties. The rates will be the same for all agents as that is controlled by the carrier.

I would look into Tower Hill, American Modern, Foremost (single family only effective 10/01/2022) Berkshire Hathaway, and Safeco. They all offer great landlord policies. The big challenge is finding out who is most competitive in your specific area and that is where having one agent who can quote them all is going to be a big help.