Homeowners Insurance in Amarillo, 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 Amarillo, TX: 24 licensed insurance agencies serve 203,729 residents in Potter County. auto premiums average $2,530 per year — 8% below the Texas state average. wind + hail drives 55% of homeowner claims.
24 homeowners insurance agencies in Amarillo
Within 15 miles of Amarillo, TX. Click any agency to view profile, contact info, and request a quote.
LIBERTAS INSURANCE
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.
VIVA Insurance
We consider each customer a family member who deserves the best service. We have years of insurance experience helping clients prepare for the unknown.
Texas Preferred Insurance
Premier Independent Insurance Agency serving the Texas Panhandle and beyond, offering statewide coverage from Dalhart to Brownsville. They specialize in a variety of personal and commercial products and emphasize personalized service and local expertise.
Legacy Insurance Brokers
Legacy Insurance Brokers is an independent agency in Amarillo, Texas that helps individuals, families, and businesses find the right insurance coverage at better rates. They offer personal lines like auto, home, and life insurance, as well as commercial lines such as business property and umbrella coverage, comparing multiple carriers to find the best options.
Amarillo's Insurance Agency
An insurance agency in Amarillo, TX that offers auto, home, commercial auto, general liability, and renters insurance with a focus on friendly service and affordable rates.
REYNA BROWN INSURANCE AGENCY, INC.
Licensed insurance agency in Amarillo, TX; represents 3 carriers.
HOYL FINANCIAL GROUP, LLC
Licensed insurance agency in Amarillo, TX; represents 29 carriers.
JAYDEN PARKER AGENCY LLC
Licensed insurance agency in Amarillo, TX; represents 12 carriers.
MATT MOLES AGENCY, INC
Licensed insurance agency in Amarillo, TX; represents 16 carriers.
High Plains Insurance Agency
High Plains Insurance Agency is a local independent agency offering auto, home, life and business insurance. They represent multiple carriers to provide competitive options and focus on personalized service. The agency is led by owner Carlos M Trevizo.
BUTLER BENEFITS & CONSULTING, LLC
Licensed insurance agency in Amarillo, TX; represents 53 carriers.
BILLY MAY AGENCY, LLC
Licensed insurance agency in Amarillo, TX. Contact directly for available products and carriers.
Freeway Insurance
Freeway Insurance offers a variety of insurance products such as auto, life, homeowners, renters, motorcycle and boat coverage, and provides online quotes and phone assistance nationwide.
Acceptance Insurance
Licensed insurance agency in Amarillo, TX; represents 2 carriers.
CODY LONG AGENCY LLC
Licensed insurance agency in Amarillo, TX; represents 19 carriers.
CLARISHA CANALES AGENCY, INC.
Licensed insurance agency in Amarillo, TX; represents 14 carriers.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more – all while delivering personalized service you can count on.
Freeway Insurance
Freeway Insurance offers a variety of insurance products, including auto, homeowners, renters, motorcycle, and boat coverage, serving customers across all 50 U.S. states. The Amarillo, TX office provides online quotes and phone assistance.
Upshaw Insurance Agency
Upshaw Insurance Agency is an independent agency that has been serving clients for nearly a century, offering personal, commercial, and health‑related insurance solutions nationwide.
Rain and Hail LLC
Licensed insurance agency in Amarillo, TX; represents 5 carriers.
TWI AGENCY, INC.
Licensed insurance agency in Amarillo, TX; represents 67 carriers.
A-MAX Auto Insurance
A-MAX Insurance is a community‑focused agency that helps customers compare coverage options from over 35 top‑rated insurance companies, offering affordable protection for auto, home, and more. They provide personalized service with a quick, hassle‑free quoting process.
Herring Insurance Agency of Amarillo
Herring Agency of Amarillo has been serving Amarillo, Dalhart & Dumas, Texas for over 45 years, offering a wide range of insurance policies including auto, home, commercial, farm equipment, boat, motorcycle and life coverage. They partner with Germania Insurance and emphasize excellent claim service and knowledgeable agents.
Williams-Boyce Agency, LLP
The Williams‑Boyce Agency of Amarillo, Texas, founded in 1904 by George Williams, has over a century of experience providing insurance solutions. It grew under John K. Boyce, Sr., a war hero and former president of the Texas Association of Insurance Agents, and continues to serve the Texas Panhandle community.
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.