16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (2024)

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Our Recommended Top 16 We did the research for you! Providers Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Compare our Top Homeowners Insurance Agencies FAQs Introduction What is excluded from your homeowners insurance policy in Parma? Is burglary covered by your homeowners insurance in Parma? What are the regulations governing homeowners insurance in Parma? What are the consequences of not having homeowners insurance in Parma? What are the steps that you should take when seeking for homeowners insurance in Parma? What determines the price of homeowners insurance premium? What is the difference between home warranty and homeowners insurance? Does Geico offer homeowners insurance? How long does homeowners warranty insurance last? Does homeowners insurance cover water heaters? Are RVs covered under homeowners insurance? Do new buyers need owner\'s title insurance on a new home? Do owner builders need home warranty insurance? Are dogs deaths covered in homeowners insurance? Are earthquakes covered in standard homeowners insurance policies? Are homeowners insurance and car insurance deductible? Are homeowners insurance payouts taxable income? How frequent should one change auto or homeowners insurance to another provider? What should a homeowners insurance include/cover? How much homeowners insurance should someone carry? Related Articles 7 Best Homeowners Insurance Companies of 2024 State Farm Home Insurance Review 2024 Find top Homeowners Insurance Agencies nearby Other top picks in your area References

16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (1)

2024

16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (2)

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Our goal is to connect people with the best local professionals. We scored Parma Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (6)

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Featured Provider

6701 Rockside Road, Independence, OH44131

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (7)(3)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (8)(2)

Why choose this provider?

William Isaac Insurance Agency is a family-owned and operated company that's been serving clients in the Parma area since 1960. This independent insurance agency works with clients to help them select home insurance policies that cover them in case of damage, theft, injuries, or disasters that occur at their homes. Its team helps clients to determine what types of coverage to buy, as well as how much coverage they need.

  • Renter's Insurance
  • Condos

181 West Bagley Road, Berea, OH44017

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4.3 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (9)(9)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (10)(3)

Why choose this provider?

King Insurance & Financial Services offers home insurance solutions for clients in Parma and throughout its nearby areas. This independent insurance agency is focused on helping families and individuals protect their financial health with policies from top carriers, such as Farmers, Nationwide, and Foremost Insurance Group. King Insurance also carries a variety of other personal insurance products. That includes vehicle, health, and life insurance. Additionally, this company provides financial and college planning services.

  • Fire
  • Multiple Policy Types

4254 E Lake Rd, Sheffield Lake, OH44054

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (11)(9)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (12)(1)

Why choose this provider?

Buckeye Insurance Partners serves clients in Parma and throughout its nearby areas. This agency helps clients obtain adequate homeowners insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their home. In addition to home insurance, the agency also sells auto, life, and business insurance policies. Buckeye Insurance Partners is a Trusted Choice Insurance Agency. Carrier partners include Progressive, Liberty Mutual, and Nationwide.

  • Personal Property Insurance
  • Multiple Policy Types

24610 Detroit Road, Westlake, OH44145

Why choose this provider?

Roy H. Jones & Associates Insurance Agency inc. provides an array of personal insurance products for clients in the Parma area. The homeowners insurance policies this company sells offer options such as liability insurance, flood insurance, and earthquake insurance, protecting the financial health of policyholders regardless of accidents or disasters that occur on their properties. In addition to home insurance, Roy H. Jones & Associates also sells auto and business insurance products.

  • Earthquake
  • Flood

7585 Fredle Drive, Concord Township, OH44077

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (16)(5)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (17)(1)

Why choose this provider?

Founded in 1989, Professional Insurance Management serves clients in Parma and throughout its metro area. This independent agency sells homeowners insurance, as well as auto, business, life, and health coverage. Its team of agents offers counsel to clients, helping them determine what types of coverage they need for their homes, as well as how much they should purchase. Agents then shop around from a variety of carriers to find policies that offer the best value.

  • Renter's Insurance
  • Flood
  • Earthquake

2190 East Enterprise Parkway, Twinsburg, OH44087

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4.9 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (18)(51)
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4.8 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (19)(49)

Why choose this provider?

Located near Parma, Strachan-Novak Insurance Services serves homeowners and other property owners in the city and throughout its surrounding metro area. The company's agents work alongside top insurance carriers to sell clients policies that suit their coverage needs and their budgets. Some of the carriers this company works with include Progressive and Travelers. In addition to selling home insurance, Strachan-Novak Insurance Services also sells life, health, Medicare, and business insurance policies.

  • Renter's Insurance
  • Flood
  • Condos

6363 York Road, Parma Heights, OH44130

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (20)(139)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (21)(6)

Why choose this provider?

The Aramouni Agency is a family-owned business offering insurance solutions to Parma and surrounding communities. Its group of professionals provides homeowners' insurance services to protect its clients from risks to their residential properties. Its home insurance options cover property damage, wine collection, personal injury, theft, and collectible cars. They also offer auto and motorcycle, life and health, contractor, and medical office insurance options. The Aramouni Agency has more than 80 years of combined experience.

  • Multiple Policy Types

7252 Broadview Rd, Parma, OH44134

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (22)(61)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (23)(22)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (24)(1)

Why choose this provider?

Vince Hrobat Insurance Agency, Inc., is a Parma-based insurance agency established in 1968. The company has a variety of insurance policies in its lineup, including homeowners' insurance. The homeowners' insurance allows clients to replace items they lose due to unexpected disasters. It also gives them protection from lawsuits in case someone gets injured in their homes. The agency offers two types of homeowners' insurance depending on the scope of its coverage.

  • Multiple Policy Types

5530 State Road, Parma, OH44134

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4.7 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (25)(10)

Why choose this provider?

Hixson & Malinowski Insurance Agency is a local independent insurance agency located in Parma. It provides a wide range of insurance products like home insurance to help clients protect their investment. For homeownersø insurance, the agency presents various coverage options that are customizable and suitable for any budget range. These options are for condominium, homeowners liability, landlords, property, renters, and scheduled property insurance. Hixson & Malinowski Insurance Agency also serves Brooklyn, Cleveland, North Royalton, and Strongsville.

  • Renter's Insurance
  • Flood
  • Earthquake

22255 Center Ridge Road, Rocky River, OH44116

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4.9 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (26)(36)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (27)(16)

Why choose this provider?

Located near Parma, Hubbard Insurance Agency helps homeowners select insurance policies from an array of carriers. Its team of professional agents is committed to finding policies that offer the best value for its clients. Carriers it works with include Safeco Insurance, Erie Insurance, and Foremost Insurance Group. In addition to home insurance, Hubbard Insurance Agency also offers a variety of other personal insurance policies, including umbrella insurance and auto insurance.

  • Renter's Insurance
  • Condos

8015 Bertha Ave, Parma, OH44129

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (28)(12)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (29)(4)

Why choose this provider?

Universal Insurance Company, Inc., is an agency that services homeowners in the Parma area that seek assistance in securing financial protection for their properties and valuables. The firm offers support in obtaining coverage for exterior and interior damages that result from covered risks such as fire, weather disasters, and vandalism. Universal Insurance Company also helps clients determine suitable policies for detached properties, contents, personal liabilities, and additional living expenses. The agency has approximately 30 years of experience in providing insurance services.

  • Flood
  • Personal Property Insurance

5835 Pearl Road, Parma, OH44130

Expertise.com Rating

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (30)(12)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (31)(1)

Why choose this provider?

The agents at Four Star Insurance Agency Inc are dedicated to providing quality financial plans for Parma residents. The firm represents trusted insurance carriers, including Progressive, Safeco, and Foremost Insurance Group. Its professionals work closely with clients to help design plans that specifically tackle the risks associated with each home. They can help homeowners prepare for losses involving the structures on their properties and personal belongings. The firm's homeowners' insurance plan also covers additional living expenses during repairs or renovations.

  • Personal Property Insurance

5925 Ridge Road, Parma, OH44129

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4.8 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (32)(32)
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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (33)(3)

Why choose this provider?

Pilat Insurance Agency, Inc. is an independent agency serving individuals, families, and businesses in the Parma area. The company has over 65 of experience in the industry, offering a wide range of insurance policies including homeowner's insurance. It represents carriers such as Safeco, Columbus Life, Hagerty, Travelers, and Met Life. The company's agents are trained to work closely with clients to determine their unique needs and to help them find the right insurance policy.

  • Multiple Policy Types

36966 Detroit Road, Avon, OH44011

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5.0 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (34)(128)
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4.8 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (35)(18)

Why choose this provider?

Reed Allen State Farm Insurance Agent helps clients in Parma and throughout its nearby areas. This agency provides an array of insurance products, including home and other property insurance, auto insurance, and business policies. Additionally, its team sells mutual funds and annuities. Agent Reed Allen previously worked as an underwriter and has extensive knowledge of the claims process. He's qualified for several State Farm honors and awards. Reed Allen State Farm Insurance Agent is licensed to sell insurance products throughout Ohio.

  • Renter's Insurance
  • Multiple Policy Types

3691 Lee Road, Cleveland, OH44120

Expertise.com Rating

Why choose this provider?

Brown Brown Insurance Service sells homeowners insurance policies for clients in Shaker Heights and throughout its nearby areas. This company shops for insurance policies from top carriers, including Foremost Insurance Group, Safeco, and Liberty Mutual. Its agents help clients determine which policies provide the best coverage, as well as the best value. In addition to selling insurance, Brown Brown also offers assistance with filing claims, as well as help with making policy changes.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

9695 Brookpark Road, Parma, OH44129

Expertise.com Rating

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4.6 16 Best Parma, OH Homeowners Insurance Agencies | Expertise.com (36)(54)

Why choose this provider?

Advantage Auto Insurance Agency, Inc., provides an extensive array of insurance options to homeowners and businesses in Parma and surrounding areas. The company helps individuals secure their homes and personal belongings against disasters and other unforeseen events with a homeowners insurance policy. Its licensed agents help clients select the right coverage among several insurance carriers that best serves their needs. These include structural damage, lost or stolen items, additional living expenses, and liability protection. Other offerings include renters, auto, recreational, life, business and commercial, and SR22 insurance.

  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
William Isaac Insurance Agency6701 Rockside Road, Independence, OH44131

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King Insurance & Financial Services181 West Bagley Road, Berea, OH44017

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Buckeye Insurance Partners4254 E Lake Rd, Sheffield Lake, OH44054

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Roy H. Jones & Associates Insurance Agency, Inc.24610 Detroit Road, Westlake, OH44145

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Professional Insurance Management7585 Fredle Drive, Concord Township, OH44077

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Strachan-Novak Insurance Services2190 East Enterprise Parkway, Twinsburg, OH44087

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The Aramouni Agency6363 York Road, Parma Heights, OH44130

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Vince Hrobat Insurance Agency, Inc.7252 Broadview Rd, Parma, OH44134

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Hixson & Malinowski Insurance Agency5530 State Road, Parma, OH44134

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Hubbard Insurance Agency22255 Center Ridge Road, Rocky River, OH44116

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Universal Insurance Company, Inc.8015 Bertha Ave, Parma, OH44129

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Four Star Insurance Agency Inc5835 Pearl Road, Parma, OH44130

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Pilat Insurance Agency, Inc.5925 Ridge Road, Parma, OH44129

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Reed Allen - State Farm Insurance Agent36966 Detroit Road, Avon, OH44011

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Brown Brown Insurance Services3691 Lee Road, Cleveland, OH44120

View More

Advantage Auto Insurance Agency, Inc.9695 Brookpark Road, Parma, OH44129

View More

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FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

  • What is excluded from your homeowners insurance policy in Parma?

    Certain items are not covered by a standard Parma homeowners insurance policy. These include the following:

    • Surface water-induced flooding.
    • Earth movements, such as earthquakes, landslides, sinkholes, and mudslides.
    • Homeowner negligence, encompassing concerns like mold, rodents, carpenter ants, and termites.
    • Sewer backup.

    To address these particular exclusions, you can choose either to supplement your current policy with an endorsem*nt or to obtain a separate policy.

  • Is burglary covered by your homeowners insurance in Parma?

    Your Parma homeowners insurance can help pay for the costs of restoring damage to your property caused by a burglary and provide you with reimbursem*nt for your losses. However, it's still advisable to install a home security system in order to prevent burglaries. By doing so, you can also receive discounts from insurance companies.

  • What are the regulations governing homeowners insurance in Parma?

    While lenders in Parma can enforce insurance requirements, they cannot demand homeowners acquire coverage that surpasses the replacement value of their residence and its contents. Moreover, they are prohibited from forcing homeowners to purchase coverage exclusively from a particular insurance provider. While not legally mandated, homeowners insurance is still governed by specific rules.

  • What are the consequences of not having homeowners insurance in Parma?

    Failing to acquire the necessary homeowners insurance in Parma as mandated by your mortgage agreement will result in a default on your mortgage contract. If you've fully settled your mortgage or acquired your home without a loan, there is no obligation to obtain homeowners insurance, but you still remain exposed to risks in its absence.

  • What are the steps that you should take when seeking for homeowners insurance in Parma?

    When seeking a homeowners insurance plan in Parma, follow these steps:

    • Identify the most likely risks that your property faces, which will guide your insurance selection.
    • Assess your home's value, its contents, and potential impacts on surrounding items and people in case of damage.
    • Consult various insurance providers, comparing coverage, exclusions, and costs to avoid settling for the first option.
    • Combine your homeowners insurance with other policies to lower your premiums and receive discounts.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

  • Do new buyers need owner\'s title insurance on a new home?

    There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

  • Do owner builders need home warranty insurance?

    In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

  • Are dogs deaths covered in homeowners insurance?

    Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

  • Are earthquakes covered in standard homeowners insurance policies?

    Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

  • Are homeowners insurance and car insurance deductible?

    Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

  • Are homeowners insurance payouts taxable income?

    If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

  • How frequent should one change auto or homeowners insurance to another provider?

    If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

  • What should a homeowners insurance include/cover?

    A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

  • How much homeowners insurance should someone carry?

    How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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