Homeowners Insurance in El Campo, 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 El Campo
Within 15 miles of El Campo, TX. Click any agency to view profile, contact info, and request a quote.
Sandra's Insurance Agency LLC
Licensed insurance agency in El Campo, TX; represents 10 carriers.
Ai United Insurance
Ai United Insurance offers simplified, affordable coverage for a range of needs, including auto, home, renters, motorcycle, and commercial insurance. They emphasize fast online quotes and personalized assistance through a 3‑step solution process.
State Farm Insurance
State Farm is a nationwide insurance and financial services company founded in 1922, offering a variety of insurance products such as auto, home, renters, life, health, and business coverage. The agency emphasizes personalized bundles, discounts, and a network of 19,000 agents serving over 96 million policies.
Rod Insurance Group
Rod Insurance Group is a Texas‑based independent agency that specializes in risk management planning for individuals and businesses. Since its founding in 2015, the agency has focused on personalized service, offering a range of insurance options to protect families and companies. The team emphasizes local expertise and flexible carrier choices.
Goosehead Insurance - Tyler Rasmussen
Goosehead Insurance offers a "smarter" approach to coverage, helping customers find home, auto, renters, boat, motorcycle and flood insurance from a wide range of carriers. The agency emphasizes expert agents, easy online quoting, and personalized service to match each client’s needs.
Pronto Insurance
Pronto Insurance provides affordable, fast, and reliable coverage across Texas, specializing in auto, home, renters, and business insurance. The agency emphasizes quick service, a wide selection of carriers, and personalized assistance for policies like SR‑22, surety bonds, and roadside assistance.
John Harborth - State Farm Insurance Agent
John Harborth is a State Farm® insurance agent serving El Campo, Texas and surrounding communities. The agency offers auto, homeowners, renters, farm, life, commercial, boat and motorcycle insurance with 24‑hour call and text support.
Kathy Knox - State Farm Insurance Agent
Kathy Knox is a State Farm agent serving Texas counties, offering personalized guidance in Home, Auto, Life, Health, and Business insurance. After 25 years in education, she joined State Farm in 2025 and focuses on comprehensive risk management plans for the community.
Gallagher Insurance, Risk Management & Consulting
AssuredPartners has rebranded as Gallagher and continues to provide legacy small business and personal insurance offerings. The site directs users to AJG.com for broader insurance and risk management resources.
Epiphany
Epiphany Insurance Agency offers personalized insurance solutions focused on protecting assets and families, highlighting expertise, customized coverage, and strong customer service.
Farmers Insurance - James Kubecka
Licensed insurance agency in El Campo, TX; represents 1 carrier.
TWFG - Cockrell Insurance
Licensed insurance agency in El Campo, TX. Contact directly for available products and carriers.
Herrmann & Associates Inc
Allstate offers local agents across the United States to help customers with auto, home, and renters insurance, providing personalized quotes and coverage options.
Select Premium Services Inc
Select Premium saves customers thousands with insurance premium financing. It offers world‑class service, easy‑to‑use online tools and flexible payment options to improve productivity and cash management for businesses across Texas and beyond.
Texas Farm Bureau Insurance Company
Licensed insurance agency in El Campo, TX; represents 1 carrier.
A1 United Insurance
Ai United Insurance offers simplified coverage options across auto, home, renters, motorcycle, and commercial lines, emphasizing fast online quotes and personalized assistance.
Texas Insurance & Financial Agency
Texas Insurance & Financial Services is an independent insurance agency with offices in El Campo and Georgetown, Texas. They offer personal and business insurance options and invite customers to call, visit, or request a quote online.
LIZ TAX SERVICES & INSURANCE LLC
Licensed insurance agency in Wharton, TX; represents 7 carriers.
Danna Insurance Agency
Texas‑style service from your hometown agent. Our local agents help you find the insurance coverage you need and represent many different insurance companies so they can compare coverage and price for the best value.
Leach Insurance
Licensed insurance agency in El Campo, TX. Contact directly for available products and carriers.
Bacak Insurance
Licensed insurance agency in El Campo, TX. Contact directly for available products and carriers.
David kight insurance
Licensed insurance agency in El Campo, TX. Contact directly for available products and carriers.
Bremser Insurance
Licensed insurance agency in Wharton, TX; represents 11 carriers.
Cody Sweat - State Farm Insurance Agent
Cody Sweat is a State Farm insurance agent in Wharton, Texas offering auto, homeowners, renters, life and other insurance products. He began his career in the oilfield industry, earned a bachelor’s degree from the University of Houston‑Victoria, and joined State Farm in 2014. He is active in his community and serves English‑ and Spanish‑speaking clients.
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.