Homeowners Insurance in Andrews, 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.
5 homeowners insurance agencies in Andrews
Within 15 miles of Andrews, TX. Click any agency to view profile, contact info, and request a quote.
Pamela Escobar Insurance Agency
Pamela Escobar Insurance Agency specializes in auto, homeowners, and business insurance. An independent agency serving Texas since 1954, it helps customers find the best coverage for their needs.
Lara Sandlin - State Farm Insurance Agent
Lara Sandlin State Farm agency in Andrews, Texas offers auto, home, renters, life, motorcycle and boat insurance. With over 25 years of experience, the agency serves the Permian Basin community and provides personalized coverage.
Lynn Fisher - State Farm Insurance Agent
Welcome to the Lynn Fisher State Farm office in Andrews, TX. The bilingual team offers Auto, Homeowners, Renters, Business, Life, and Health insurance across Texas. They serve customers in English and Spanish and have a 5‑star rating on Google.
Farmers Insurance - Michelle Rodriguez
Licensed insurance agency in Andrews, TX; represents 1 carrier.
We Insure 4 You
Patriot Growth Insurance Services is a boutique insurance firm backed by a top‑25 national brokerage, offering customized 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.