Homeowners Insurance in Cat Spring, 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.
14 homeowners insurance agencies in Cat Spring
Within 15 miles of Cat Spring, TX. Click any agency to view profile, contact info, and request a quote.
Virginia Gilbert - State Farm Insurance Agent
Virginia Gilbert is a State Farm insurance agent in Sealy, Texas, offering a range of products including auto, homeowners, renters, life, boat and motorcycle coverage. With over a decade of experience since opening her agency in 2014, she serves the Austin County area and is active in the community.
The Prugar Agency
I am a licensed insurance agent and my passion is to help families protect their loved ones when there is a loss of a family member or if the family experiences a financial tragedy from a critical illness.
Farmers Insurance - Vincent Strother
Licensed insurance agency in Sealy, TX; represents 1 carrier.
Ruth Mercier Insurance Agency
Ruth Mercier Insurance Agency in Sealy, TX focuses on friendly, personalized customer service and leverages long‑standing industry knowledge to help clients find the right coverage at competitive rates.
LKL Insurance
LKL Insurance is an independent insurance agency with offices in Bellville and Sealy, Texas. They offer personal and business coverage options and invite customers to call or visit to learn how much they can save on insurance.
C&C Golden Insurance Agency
C&C Golden Insurance is an agency that focuses on providing auto and homeowners insurance, helping customers find competitive rates and protect their assets. They emphasize saving money while offering protection for what matters most.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Sealy, TX; represents 1 carrier.
STX Insurance Services LLC
STX Insurance Services is an independent agency that helps customers compare and obtain auto and homeowners insurance at affordable rates. They emphasize personalized service and provide online tools for quick quotes.
Capricorn Insurance Agency L.L.C
Capricorn Insurance Agency specializes in providing reliable commercial insurance solutions for businesses of all sizes. They offer customized coverage including Commercial Auto, Property Liability, Workers’ Compensation, and Business Owner’s Policies to protect operations, employees, and assets. Their commitment is to deliver trusted advice, competitive coverage options, and personalized service to help businesses grow with confidence and security.
Texas Farm Bureau Insurance - Chad Hugo
Licensed insurance agency in Sealy, TX; represents 1 carrier.
LKL Insurance
LKL Insurance is an independent insurance agency with offices in Bellville and Sealy, Texas. They offer auto, home, business, and life insurance and are part of the Hilb Group, a national network of insurance professionals.
Goosehead Insurance - Legacy Insurance Group
Goosehead Insurance provides personalized home, auto, renters, boat, motorcycle and flood insurance options through more than 200 hand‑picked carriers, helping clients get the right coverage at competitive rates.
Eagle Lake Insurance Associates
Licensed insurance agency in Eagle Pass, TX; represents 40 carriers.
Integrity Insurance Agency
Licensed insurance agency in Sealy, TX; represents 13 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.