Homeowners Insurance in Carthage, 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.
11 homeowners insurance agencies in Carthage
Within 15 miles of Carthage, TX. Click any agency to view profile, contact info, and request a quote.
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.
Patterson Insurance is a Texas and Louisiana based agency that helps customers find the best coverage by shopping top national carriers. They emphasize fast, simple service with personal agents and prioritize customer support.
Red Oak Insurance is a full‑service multiline agency in Carthage, Texas offering homeowners, auto, boat, motorcycle, life, and commercial general liability coverage. Founded in 1981, the agency emphasizes personalized service and competitive pricing for individuals and businesses in East Texas.
Red Oak Insurance is a full‑service multiline agency in Carthage, Texas offering competitive insurance policies for homes, automobiles, boats, motorcycles, mobile homes, travel trailers, businesses and life. Founded in 1981, the agency emphasizes personalized service and customized coverage options.
Licensed insurance agency in Carthage, TX; represents 2 carriers.
Licensed insurance agency in Carthage, TX; represents 1 carrier.
Licensed insurance agency in Carthage, TX; represents 117 carriers.
Licensed insurance agency in Carthage, TX; represents 52 carriers.
Licensed insurance agency in Carthage, TX. Contact directly for available products and carriers.
Licensed insurance agency in De Berry, TX; represents 9 carriers.
Licensed insurance agency in Beckville, TX; represents 10 carriers.
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.