Homeowners Insurance in Texas
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.
Top Texas Cities for Homeowners Insurance
Top Homeowners Insurance Agencies in Texas
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
Alejandra De La Torre is a State Farm agent serving Round Rock, TX and surrounding communities. Her bilingual team provides auto, home, life, and business insurance throughout Texas.
Independent insurance broker helping Texas families and businesses understand their coverage, avoid costly gaps, and stay protected long after the policy is purchased.
Standard Casualty Company specializes in affordable mobile, manufactured, modular, and factory‑built home insurance. Founded in 1961, they provide comprehensive coverage including fire, hail, windstorm, flood, and earthquake. They are part of the Cavco family and focus on protecting families and their homes.
Comparion Insurance Agency, founded in 2022, connects customers with over 50 insurance carriers to provide a wide range of coverage options including auto, home, life, renters and umbrella policies. Leveraging its Liberty Mutual backing and a network of 2,000 agents nationwide, the agency emphasizes personalized, consultative service to help clients find the best price and protection.
Chande Agency is a locally owned insurance agency in Round Rock, TX, serving individuals, families, and small businesses across Central Texas. They simplify insurance by offering personalized auto, home, renters, and business coverage options.
Bienvenido Insurance is a locally owned agency that helps customers secure auto, home, renters, life, motorcycle and commercial insurance policies. Their staff emphasizes personalized service, fast response, and finding the best rates from a wide range of carriers. They have been serving the community for over a decade.
Speedy Cash is a loan company offering payday, installment, title loans and other credit products since 1997, serving over 10 million customers across the United States.
Perdue Insurance Agency LLC is an independent agency based in Texas that focuses on commercial trucking and auto insurance, while also offering personal lines such as homeowners and motorcycle coverage. They emphasize working with a variety of top carriers to find affordable solutions for customers.
Medicare Mall is a specialist agency that helps clients navigate Medicare options, including Medicare Supplement (Medigap), Part D prescription drug plans, and Medicare Advantage plans. They provide personalized guidance, enrollment assistance, and ongoing support to ensure optimal coverage and cost savings.
Big Rig specializes in 18‑wheeler and commercial truck insurance, offering commercial liability, cargo and physical‑damage coverage. The agency focuses on providing the right insurance program for the individual needs of truck drivers in Texas.
StraightEdge Insurance Agency has served hardworking small business owners and families in Texas for over 20 years, offering a personal touch and a wide range of insurance solutions for both commercial and personal needs.
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.