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.
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.
Licensed insurance agency in El Paso, TX; represents 40 carriers.
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.
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.
Licensed insurance agency in El Paso, TX; represents 22 carriers.
Licensed insurance agency in El Paso, TX; represents 27 carriers.
Licensed insurance agency in El Paso, TX; represents 14 carriers.
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.
Licensed insurance agency in El Paso, TX; represents 16 carriers.
Licensed insurance agency in El Paso, TX. Contact directly for available products and carriers.
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.
Licensed insurance agency in El Paso, TX; represents 1 carrier.
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.
Licensed insurance agency in El Paso, TX; represents 24 carriers.
Licensed insurance agency in El Paso, TX; represents 14 carriers.
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, 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.
Licensed insurance agency in El Paso, TX; represents 36 carriers.
Licensed insurance agency in El Paso, TX; represents 19 carriers.
Licensed insurance agency in El Paso, TX; represents 5 carriers.
Licensed insurance agency in El Paso, TX; represents 16 carriers.
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 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.
Licensed insurance agency in El Paso, TX; represents 12 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.