Homeowners Insurance in Commerce, 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.
16 homeowners insurance agencies in Commerce
Within 15 miles of Commerce, 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.
Paragon Independent Insurance Agencies, Inc is an independent agency serving Texas offering auto, home, business, and life insurance. They partner with many carriers and emphasize personalized, attentive service for clients.
Licensed insurance agency in Greenville, TX. Contact directly for available products and carriers.
Mattison Insurance Agency, Inc. is an independent agency serving Sulphur Springs and all of Texas, offering auto, home, life, and business insurance solutions.
Licensed insurance agency in Greenville, TX. Contact directly for available products and carriers.
OEL Insurance is a Northeast Texas‑based independent agency founded in 2018 that provides personal and commercial insurance solutions throughout Texas. They partner with multiple carriers to offer tailored coverage and emphasize building long‑lasting relationships with clients.
MFI Agency provides farm, ranch, agribusiness and commercial insurance solutions across multiple states, specializing in agricultural and business coverage. Located in Greenville, Texas, they combine farming knowledge with commercial expertise to protect farms, ranches, and businesses.
Direct Auto agents at 4211 Wesley St in Greenville, TX provide car insurance, term life insurance, and related services. They offer flexible payment options and operate Monday‑Friday 9 AM‑6 PM.
Licensed insurance agency in Greenville, TX; represents 66 carriers.
Direct Auto Insurance, a subsidiary of Allstate, offers auto, motorcycle, renters, and life insurance products with flexible payment options and multiple discounts. Established in 1991, the agency serves millions of customers through a network of local stores and online services.
Licensed insurance agency in Commerce, TX; represents 31 carriers.
Licensed insurance agency in Commerce, TX. Contact directly for available products and carriers.
Licensed insurance agency in Campbell, TX; represents 4 carriers.
Licensed insurance agency in Greenville, TX; represents 4 carriers.
Licensed insurance agency in Cumby, TX; represents 30 carriers.
Licensed insurance agency in Ladonia, TX; represents 22 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.