Homeowners Insurance in El Paso, 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.
Homeowners insurance in El Paso, TX: 24 licensed insurance agencies serve 681,723 residents in El Paso County. auto premiums average $1,620 per year — 11% below the Texas state average.
24 homeowners insurance agencies in El Paso
Within 15 miles of El Paso, TX. Click any agency to view profile, contact info, and request a quote.
Shield Insurance Agency
With over 20 years of experience! Give us a call and let us provide you a personalized quote for your life, home or auto insurance needs. Providing the best in coverage in the Greater El Paso Metropolitan Area. We also service the entire state of Texas, New Mexico, and Colorado.
Go Insurance
Locally owned and operated since 2012, GO Insurance provides auto, home, life, health, and business insurance solutions to individuals and businesses in El Paso, Texas. The agency emphasizes personalized attention, quality customer service, and works with a range of trusted carriers.
Rocio Piñon - GEICO Insurance Agent
GEICO Insurance Agency, Inc. offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage. The site provides online quote tools and links to partner carriers for policy management. It serves customers in El Paso, Texas, with contact options via phone and online portals.
Rudy Urias Health Insurance
Licensed insurance agency in El Paso, TX. Contact directly for available products and carriers.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from over 35 top‑rated insurance companies offering 400+ plans. They provide affordable protection for auto, home, renters, commercial and boat insurance while delivering personalized service.
Omega Insurance Agency
Omega Insurance Agency is a leading insurance provider based in Texas. With a team of dedicated professionals and years of industry experience, they deliver comprehensive insurance solutions tailored to individuals and businesses alike.
Freeway Insurance
Freeway Insurance offers a wide range of insurance products, including auto, homeowners, renters, life, and commercial coverage, and operates stores across all 50 U.S. states. The El Paso location provides online quotes and phone support for customers.
Alpha Insurance Services
Alpha Insurance Services, based in El Paso, Texas, has over 15 years of experience providing personalized insurance coverage for individuals and businesses. They specialize in auto, homeowners, renters, commercial and other insurance lines with a focus on local expertise and competitive rates.
Mt. Franklin Insurance
Mt. Franklin Insurance is an independent agency serving the Southwest region of New Mexico and Texas with offices in El Paso and San Antonio. Their experienced agents focus on providing personalized coverage options across personal and commercial lines while helping clients save time and money.
Homestate Insurance Agency
Homestate Insurance Agency is an independent, locally owned agency based in El Paso, Texas, serving residents of Texas and New Mexico. They focus on providing personalized insurance solutions with a commitment to customer service and competitive rates. The agency offers a range of personal and commercial insurance options tailored to individual needs.
Insurance Brokers 915
Brokers915 offers home and auto insurance quoting services, promising up to 35% savings by comparing multiple top‑rated insurance companies.
Omega Insurance Agency
Omega Insurance Agency is a Texas‑based insurance provider offering both personal and commercial coverage. The agency highlights a team of dedicated professionals who deliver tailored insurance solutions for individuals and businesses.
Fred Loya Insurance
Fred Loya Insurance is a multi‑state auto insurance agency offering immediate coverage, a range of discounts and a simple online quote process across 12 states.
Asegura Insurance Agency
Asegura Insurance Agency is an independent insurance agency that offers personalized property and casualty solutions across the United States. The agency works with multiple top‑rated carriers to provide competitive rates and tailors coverage for homes, vehicles, and businesses. Based in El Paso, they focus on delivering reliable, customized policies for personal and commercial needs.
A-MAX Auto Insurance
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. It makes it easy to find affordable protection for cars, homes, renters, boats and businesses while delivering personalized service.
Palm's Mexico Insurance Services
Palms Mexico Insurance provides auto insurance for U.S. and Canadian vehicles traveling in Mexico. The agency offers a range of coverages including liability, collision, theft, medical payments, roadside assistance, and legal aid. With 40 years of experience, they serve travelers from three convenient offices across the United States and Mexico.
Freeway Insurance
Freeway Insurance offers a variety of insurance products such as auto, homeowners, renters, life, motorcycle and boat coverage, serving customers in all 50 U.S. states. The El Paso location provides phone assistance for quotes and policy help.
Fred Loya Insurance
Fred Loya Insurance provides auto insurance coverage across 12 states with over 800 offices. The agency highlights immediate same‑day coverage, no credit‑check policies, and multiple discounts such as multi‑car, good driver, and homeowner discounts.
Low Rate Insurance Agency - El Paso
Low Rate Insurance Agency Of Texas, Inc. is the insurance agency of choice in the area. Our strong affiliations with reputable insurance carriers enable us to offer a full range of value‑driven products for all types of clients and situations.
JSE Insurance
JSE Insurance is a family‑owned agency with over 20 years of experience offering personalized insurance solutions. They provide auto, homeowners, life, and commercial coverage by partnering with major carriers. Their focus is on simplifying the process and delivering peace of mind for individuals, families, and businesses.
Progressive Car Insurance
A leading insurance company, trusted since 1937, offering a wide range of products including auto, homeowners, renters, motorcycle, boat, life, umbrella, commercial liability and flood coverage, with 24/7 support and over 43 million customers.
Homestate Insurance Agency
We’re an independent, locally owned agency in El Paso, Texas, serving Texas and New Mexico residents with a range of insurance options. Our team helps customers find personal auto, homeowners, renters, commercial auto, motorcycle and travel coverage tailored to their needs.
Pronto Insurance
At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. Proudly serving the community, they specialize in auto, home, renters and business insurance and offer access to more than 30 insurance companies to find the best protection at the lowest price.
Home Insurance Agency
Flexible insurance from a team you can trust. Home Insurance Agency is 100% independent, allowing it to shop the marketplace for the best combination of cost and coverage for personal and business needs.
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.