Skip to content

Homeowners Insurance in Denton, 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 Denton

Within 15 miles of Denton, 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· 115.3 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +21-2 agents
R Listed
Ricardo Sempertegui - State Farm Insurance Agent
4.9 · 500+ reviews on Google16 yrs in business

Ricardo Sempertegui, a State Farm Insurance Agent in Denton, TX, has served the community since 2010, offering auto, home, life, and business coverage. The agency is bilingual in English and Spanish and serves surrounding areas.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Denton, TX· 1.0 mi
Carriers: State Farm
View profile
A Listed
Agents Alliance Services
4.6 · <100 reviews on Google18 yrs in business

Agents Alliance Services is an independent insurance aggregator that supports independent agents by providing tools, resources, and carrier relationships to help them build successful agencies. Since 2008 they have partnered with personal and commercial insurance agencies to increase revenue and promote agency ownership.

AutoCommercial GLHomeownersRenters+1 more
Denton, TX· 0.9 mi
Carriers: ACUITY, A MUTUAL INSURANCE COMPANY, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY +311
View profile
F Listed
Fredrick Insurance Brokers
4.9 · 100+ reviews on Google20 yrs in business

Fredrick Insurance Brokers is an independent, family‑owned health insurance agency in Denton, Texas that offers health, dental, group, small‑business and life coverage with zero broker fees. They compare over 50 carriers and provide enrollment, claims support, and ongoing service.

AutoCommercial GLDisabilityHomeowners+3 more
Aubrey, TX· 0.7 mi
License on file (TDI)
View profile
A Listed
ALPA Insurance
4.8 · <100 reviews on Google15 yrs in business

ALPA Insurance offers quick, simple, commitment‑free insurance solutions in Texas, serving over 50 locations for 15 years. They provide multiple lines such as auto, motorcycle, renters, homeowners, commercial, SR‑22 and surety bonds, and serve English‑ and Spanish‑speaking customers.

AutoCommercial GLCommercial PropertyHomeowners+3 moreSpanish
Denton, TX· 0.7 mi
Carriers: Progressive, Dairyland (Sentry) +4
View profile
L Listed
La Familia Auto Insurance
4.8 · 500+ reviews on Google15 yrs in business

La Familia Insurance offers auto, homeowners, renters, and commercial insurance, emphasizing affordable, reliable coverage for all. They serve the community with bilingual representatives and have been operating for over a decade.

AutoCommercial GLHomeownersRenters+1 moreSpanish
Denton, TX· 0.6 mi
Carriers: Bravo General (in-house MGA), GAINSCO +51-2 agents
View profile
F Listed
Fiesta Auto Insurance & Tax Service
4.9 · 100+ reviews on Google

NOW IS THE TIME FOR YOU TO CHANGE TO FIESTA! Our team of insurance and tax professionals can help your family, offering coverage for auto, home, business, rental property, boat, and motorcycle along with personal and business tax services. At Fiesta we treat you like family!

AutoBoatCommercial GLCommercial Property+4 moreSpanish
Denton, TX· 0.6 mi
Carriers: Progressive County Mutual, Pronto Insurance (affiliate) +41-2 agents
View profile
N Listed
Neal & Neal Insurance Agency
4.8 · <100 reviews on Google

Neal & Neal Insurance Agency, Inc. is an independent agency serving businesses and families in Texas, Colorado, Oklahoma, Georgia, and New Mexico. They provide personalized service and a wide range of insurance products to meet personal and commercial needs.

AutoBoatCommercial GLCommercial Property+8 more
Denton, TX· 1.8 mi
License on file (TDI)
View profile
M Listed
Michael Doranski: Allstate Insurance
4.6 · 100+ reviews on Google

Michael Doranski is a third‑generation Allstate insurance agent serving Denton, TX. He offers auto, home, renters, motorcycle, boat and life insurance and emphasizes personalized service and long‑term financial planning.

AutoBoatCommercial GLHomeowners+4 more
Denton, TX· 1.0 mi
Carriers: Allstate
View profile
R Listed
Ryan Everet Insurance - Independent Agency
4.9 · 100+ reviews on Google

Ryan Everet Insurance Agency is an independent agency in Denton offering a range of personal and commercial insurance options. Their mission is to make doing business easy while providing a fun, informative experience so customers can make the best protection decisions.

AutoBoatCommercial GLHomeowners+4 more
Denton, TX· 0.9 mi
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +811-2 agents
View profile
R Listed
Ramey & King Insurance
4.8 · <100 reviews on Google140 yrs in business

Welcome to Ramey King Insurance Agency! We're an independent insurance agency located in Texas. Our team is dedicated to providing quality service and coverage by listening to your needs.

AutoBoatCommercial GLCommercial Property+3 more
Denton, TX· 2.5 mi
Carriers: AGCS Marine Insurance Company, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +943-5 agents
View profile
W Listed
Wade Hunt Insurance
4.7 · <100 reviews on Google

Wade Hunt Insurance is an independent agency specializing in auto, homeowners, life, and business insurance across Denton and the rest of Texas. Their focus is helping customers find the best coverage at affordable rates, emphasizing personalized service and peace of mind.

AutoCommercial GLHomeownersLife+2 more
Denton, TX· 0.6 mi
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +951-2 agents
View profile
F Listed
Freeway Insurance
4.7 · 100+ reviews on Google

Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, motorcycle, and boat coverage. It serves customers in all 50 U.S. states through its network of retail stores.

AutoBoatCommercial GLHomeowners+3 moreSpanish
Denton, TX· 0.8 mi
Carriers: Confie (parent MGA), Progressive County Mutual +41-2 agents
View profile
A Listed
A-MAX Auto Insurance
4.4 · 100+ reviews on Google

A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Denton, TX· 0.5 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +51-2 agents
View profile
G Listed
Glenn Davis Insurance
4.6 · <100 reviews on Google52 yrs in business

Glenn Davis Insurance represents many different companies and specializes in matching customers with coverage that provides the right protection for the best price. The agency has been serving Denton and the entire state of Texas since 1974.

AutoBoatCommercial GLHomeowners+3 moreSpanish
Denton, TX· 0.8 mi
Carriers: AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, American Economy Insurance Company +601-2 agents
View profile
N Listed
Neill Christian - State Farm Insurance Agent
4.8 · <100 reviews on Google6 yrs in business

Neill’s State Farm Insurance Agency serves Denton, TX and surrounding communities, offering a full range of insurance products such as auto, homeowners, renters, business, life and health coverage. Agent Neill Christian, a State Farm® licensed professional, combines over six years of team experience to help families and businesses protect what matters most.

AutoBoatCommercial GLCommercial Property+5 more
Denton, TX· 2.8 mi
Carriers: State Farm1-2 agents
View profile
S Listed
Sanchez Insurance
4.0 · <100 reviews on Google29 yrs in business

Sanchez Insurance has been serving the community since 1997, helping customers find affordable auto, home, life, and commercial coverage. Their staff assists with quoting, policy selection, and ongoing service, emphasizing personalized assistance and respect. They highlight a commitment to saving customers time and money.

AutoCommercial GLHomeownersLife+3 moreSpanish
Denton, TX· 0.6 mi
License on file (TDI)
View profile
I Listed
Insurance Connection USA
4.8 · <100 reviews on Google30 yrs in business

We are a full-service agency specializing in Medicare, Home, Auto and Business Insurance. We are committed to walking with you from start to finish, providing options and education along the way.

AutoCommercial GLCommercial PropertyHomeowners+2 more
Denton, TX· 5.6 mi
License on file (TDI)
View profile
G Listed
George Carranza: Allstate Insurance
4.2 · <100 reviews on Google12 yrs in business

George Carranza opened his first Allstate agency in Denton in September 2014 and has since expanded to Argyle and Plano. The agency offers auto, home, renters, condo, boat, motorcycle, life and business insurance and provides bilingual service in English and Spanish.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Denton, TX· 3.4 mi
Carriers: Allstate
View profile
H Listed
Healthmarkets Insurance - Amy Nicole Grissom
4.8 · <100 reviews on Google

HealthMarkets helps consumers find health, Medicare, dental, vision, supplemental and life insurance plans. Their licensed agents provide free, personalized assistance to match coverage with individual needs and budgets.

AutoCommercial GLHomeownersLife+2 more
Aubrey, TX· 2.0 mi
1-2 agents
View profile
D Listed
D3 Insurance Group - Denton
4.6 · <100 reviews on Google

D3 Insurance Group is a new company, but do not let that fool you. Our combined experience of over 45 years is second to none. Our passion for knowing our clients on a personal level, combined with our D3 process, is unique to the insurance industry.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Denton, TX· 2.0 mi
Carriers: Geico, Dairyland +121-2 agents
View profile
T Listed
Tommy Graham: Allstate Insurance
4.2 · <100 reviews on Google

Tommy Graham is an Allstate insurance agent serving Denton, TX and surrounding areas. The agency offers a range of personal insurance products with a 4.6-star rating based on 491 reviews. Customers can contact the office by phone or schedule appointments for quotes.

AutoBoatCommercial GLHomeowners+4 more
Denton, TX· 0.9 mi
Carriers: Allstate1-2 agents
View profile
C Listed
Century Insurance Agency, Inc
4.9 · 100+ reviews on Google30 yrs in business

Century Insurance Agency, founded in 1996, is a full‑service independent insurance agency serving Texas with a network of 25 leading carriers. They offer personalized service through three Dallas‑area locations, matching clients with the right coverage for personal and commercial needs. Their focus is on quality, integrity, and superior service for individuals and businesses alike.

AutoBoatCommercial GLFarm+5 more
Denton, TX· 4.1 mi
1-2 agents
View profile
T Listed
The Gray Group Insurance Brokerage Denton
4.4 · <100 reviews on Google

Gray Group Insurance provides a variety of personal and commercial insurance options, emphasizing that they work for the client rather than an insurance company.

AutoCommercial GLFarmHomeowners+4 more
Aubrey, TX· 0.9 mi
License on file (TDI)
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 Denton