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Homeowners Insurance in Crawford, 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.

24 homeowners insurance agencies in Crawford

Within 15 miles of Crawford, TX. Click any agency to view profile, contact info, and request a quote.

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 18.1 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +21-2 agents
J Listed
Joel Fuessel - Secured First Financial of Texas - Independent Agent
4.9 · 100+ reviews on Google17 yrs in business

Secured First Financial of Texas is an independent life insurance agency based in Waco, Texas, established in 2009 and operating as an independent agency since 2016. It offers life insurance, mortgage protection, retirement annuities, physical gold and silver, and estate planning services across multiple states.

AutoCommercial GLHomeownersLife+2 more
Woodway, TX· 14.0 mi
License on file (TDI)
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T Listed
Traci Plemons - State Farm Insurance Agent
4.8 · <100 reviews on Google

Traci Plemons is a State Farm insurance agent serving Waco, TX and surrounding areas, offering auto, homeowners, renters, life, motorcycle and boat insurance, as well as personal articles, health and pet coverage. The agency focuses on personalized service and is available 24/7 by call or text.

AutoBoatCommercial GLHomeowners+4 more
Woodway, TX· 13.9 mi
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm Classic Insurance Company +5
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N Listed
Nicole Omo - State Farm Insurance Agent
4.6 · <100 reviews on Google8 yrs in business

Nicole Omo has been operating her State Farm agency in Waco for 8 years, bringing 25 years of corporate experience. She emphasizes personal service, community involvement, and offering a range of insurance products for home, auto, life, and health. The agency aims to treat clients like family while providing comprehensive coverage options.

AutoCommercial GLHomeownersLife+2 more
Hewitt, TX· 13.7 mi
Carriers: State Farm
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S Listed
Shivers & Associate Insurance
4.8 · <100 reviews on Google48 yrs in business

Shivers & Associates Insurance is an independent agency in Waco, Texas, serving the community since 1978. They provide personal and business coverage, focusing on auto, home, commercial and boat insurance while emphasizing local knowledge and personalized service.

AutoBoatCommercial GLHomeowners+2 more
Waco, TX· 13.4 mi
Carriers: Aegis Security Insurance Company, Agricultural Workers Mutual Auto Insurance Company +511-2 agents
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M Listed
Matt Dill - State Farm Insurance Agent
4.9 · 100+ reviews on Google18 yrs in business

Matt Dill State Farm is a local insurance agency in Waco, Texas offering a wide range of personal and business insurance products. The agency has been serving the community since opening its doors in March 2008 and operates as a State Farm licensed agent.

AutoBoatCommercial GLDisability+5 moreSpanish
Waco, TX· 14.6 mi
Carriers: State Farm1-2 agents
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M Listed
Mission Medicare Insurance
4.8 · <100 reviews on Google

Mission Medicare helps clients master Medicare by offering Medicare Supplement (Medigap), Part D prescription drug plans, Medicare Advantage, and ancillary products such as life, dental, vision, and long‑term care coverage.

AutoCommercial GLHomeownersLife+2 more
Waco, TX· 14.7 mi
License on file (TDI)
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D Listed
David Wilson: Allstate Insurance
4.8 · 100+ reviews on Google22 yrs in business

David Wilson has been in the insurance industry since 1982 and opened his Allstate agency in Waco in 2004, later adding a second location in Corsicana in 2008. He serves the Waco, Hewitt, and Woodway communities, offering a range of personal insurance products and active community involvement. Wilson emphasizes helping families protect what matters most, from auto and home coverage to life and retirement planning.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Woodway, TX· 14.0 mi
Carriers: Allstate1-2 agents
View profile
R Listed
Richard Kruger - State Farm Insurance Agent
4.9 · 100+ reviews on Google21 yrs in business

Richard Kruger is a State Farm agent serving the Waco, Texas area since 2005, offering auto, homeowners, life, health, pet and business insurance along with financial services. The agency emphasizes community involvement, personalized service, and accessibility.

AutoCommercial GLHomeownersLife+2 more
Woodway, TX· 14.5 mi
Carriers: State Farm1-2 agents
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B Listed
Brian Wenzel - State Farm Insurance Agent
4.8 · <100 reviews on Google38 yrs in business

Brian Wenzel and his team focus on home, auto, life, and business insurance in Waco, Texas and surrounding areas. With over 38 years of experience as a State Farm® Insurance Agent, they prioritize developing lasting relationships with customers.

AutoBoatCommercial GLHomeowners+4 more
Woodway, TX· 14.6 mi
Carriers: State Farm1-2 agents
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F Listed
Farmers Insurance - Jeff Holder
4.9 · 100+ reviews on Google

Licensed insurance agency in Woodway, TX; represents 1 carrier.

AutoCommercial GLHomeownersLife+2 more
Woodway, TX· 14.5 mi
Carriers: Farmers
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S Listed
Sneed Insurance Agency
4.4 · <100 reviews on Google

Licensed insurance agency in Woodway, TX. Contact directly for available products and carriers.

AutoCommercial GLHomeownersRenters+1 more
Woodway, TX· 8.4 mi
License on file (TDI)
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G Listed
Greater Waco Insurance Solutions
4.8 · <100 reviews on Google

Greater Waco Insurance Solutions is a family‑owned independent agency serving the Waco, TX community for over 25 years. It offers health, personal and commercial insurance lines under one roof, positioning itself as a trusted one‑stop shop.

AutoCommercial GLCommercial PropertyDisability+5 more
Waco, TX· 13.9 mi
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, AMERICAN UNITED LIFE INSURANCE COMPANY +551-2 agents
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H Listed
High & Associates Inc
3.8 · <100 reviews on Google26 yrs in business

High & Associates, Inc has been serving clients since 2000 as a full‑service independent insurance agency. They provide individualized advice and solutions for a range of insurance and risk management needs. Their professionals bring over 25 years of experience and work for the client, not the insurance carriers.

AutoBoatCommercial GLHomeowners+4 more
Hewitt, TX· 14.3 mi
Carriers: AMFIRST INSURANCE COMPANY, AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE +106
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H Listed
Hutto Insurance Services
4.8 · <100 reviews on Google26 yrs in business

Since 2000, High and Associates Inc has been a trusted and reliable source for all insurance needs. As a full‑service independent agency, High and Associates provides clients with individualized advice and solutions that meet their needs.

AutoBoatCommercial GLDisability+5 more
Hewitt, TX· 14.3 mi
License on file (TDI)
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S Listed
State Farm Insurance Agent
4.8 · <100 reviews on Google104 yrs in business

State Farm is a nationwide insurance provider founded in 1922, offering auto, home, renters, life, health, and business insurance along with banking services. It serves millions of customers through a network of 19,000 agents.

AutoHomeownersRentersMotorcycle+7 more
Hewitt, TX· 14.5 mi
Carriers: State Farm1-2 agents
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N Listed
NavSav Insurance - Waco
4.9 · 100+ reviews on Google

NavSav Insurance helps individuals and businesses find insurance policies that fit their lifestyle and protect their assets. Their agents offer personalized solutions across a range of personal and commercial lines, emphasizing convenience and comprehensive coverage.

AutoBoatCommercial GLCommercial Property+9 more
Waco, TX· 14.7 mi
1-2 agents
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A Listed
AG Southwest, LLC.
4.8 · <100 reviews on Google

AG Southwest is an independent crop insurance agency that provides various insurance products for farmers and ranchers nationwide. They focus on staying current with crop insurance changes and educating customers, emphasizing excellent customer service.

AutoCommercial GLFarmHomeowners+2 more
Woodway, TX· 14.0 mi
Carriers: Ace Property and Casualty Insurance Company, American Agri-Business Insurance Company
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I Listed
Insurance Agent Reece Flood
4.8 · <100 reviews on Google26 yrs in business

High & Associates, Inc, founded in 2000, is a full‑service independent insurance agency offering personalized advice and solutions. They provide a range of insurance options including home, auto, commercial, life, disability, and specialty lines while emphasizing client‑focused service.

AutoBoatCommercial GLDisability+5 more
Woodway, TX· 14.3 mi
1-2 agents
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T Listed
Tim Sherwood: Allstate Insurance
4.3 · <100 reviews on Google

Tim Sherwood is an Allstate insurance agent serving Waco, Texas. He offers auto, homeowners, renters, motorcycle, boat, and life insurance and emphasizes personal relationships with the community. He helps clients find coverage that fits their lifestyle and budget.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Hewitt, TX· 14.8 mi
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +131-2 agents
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P Listed
Preferred Insurance Agency
4.8 · <100 reviews on Google

Preferred Insurance Agency offers a range of insurance solutions, highlighting years of experience helping clients prepare for the unknown. They provide auto, homeowners, life, and business insurance options, including commercial truck coverage and surety bonds. The agency emphasizes personalized assessments to protect assets.

AutoCommercial GLHomeownersLife+2 more
Woodway, TX· 14.8 mi
Carriers: AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, American Economy Insurance Company +131-2 agents
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D Listed
Deaton Agency
4.8 · <100 reviews on Google

The Deaton Agency is a Waco‑based insurance and financial services firm dedicated to serving individuals, families, and businesses with integrity, clarity, and personal attention. Guided by Christian values, they focus on building long‑term relationships and tailoring coverage to each client’s unique needs.

AutoCommercial GLHomeownersRenters+1 more
Woodway, TX· 14.3 mi
Carriers: AMFIRST INSURANCE COMPANY, Ace American Insurance Company +571-2 agents
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H Listed
Higginbotham - Waco
4.8 · <100 reviews on Google20 yrs in business

Welcome to Higginbotham in Waco, your trusted partner for insurance and employee benefits solutions. At Higginbotham we believe in delivering tailored services that meet the unique needs of each client, providing personalized and values‑driven service across personal and business lines.

AutoHomeownersRentersLife+7 more
Woodway, TX· 13.9 mi
1-2 agents
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S Listed
State Farm Insurance Agent
3.9 · <100 reviews on Google104 yrs in business

State Farm is a nationwide insurance provider offering a wide range of products including auto, home, renters, motorcycle, boat, life, and disability insurance, with a focus on personalized coverage and discounts.

AutoBoatCommercial GLDisability+5 more
Hewitt, TX· 14.6 mi
Carriers: State Farm1-2 agents
View profile

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.

Homeowners insurance in other Texas cities

Other insurance types in Crawford