Homeowners Insurance in Elgin, 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.
23 homeowners insurance agencies in Elgin
Within 15 miles of Elgin, TX. Click any agency to view profile, contact info, and request a quote.
Elgin Insurance Agency
Gray Group Insurance offers a variety of personal and commercial insurance options, emphasizing that they work for the client rather than an insurance company.
Rosado Insurance Agency
Rosado Insurance Agency, LLC is a Texas‑based agency offering a range of personal and commercial insurance products, emphasizing high customer service and partnership with top-rated carriers.
Direct Auto Insurance
Direct Auto Insurance agency located at 1080 Hwy 290 East in Elgin, Texas offers car insurance, term life insurance, and SR‑22 filing services. The office operates Monday‑Friday 9 am‑6 pm and provides flexible payment options.
Robert Ndegwa - State Farm Insurance Agent
State Farm agency with over 25 years of experience serving Central Texas and Austin areas. Bilingual staff provides auto, homeowners, renters, life, motorcycle and boat insurance with a focus on personalized service. Recognized with multiple State Farm awards and high customer satisfaction ratings.
RISE & Notarize, LLC
Licensed insurance agency in Manor, TX. Contact directly for available products and carriers.
Met Life Auto & Home Insurance
MetLife is a global insurance and financial services company that provides a range of products including life, auto, homeowners, disability, and long‑term care insurance. It offers online account access for individuals and businesses and emphasizes protection and financial security for its customers.
McCrary Insurance Agency
McCrary Insurance Agency is a Texas‑based agency offering a variety of insurance products such as auto, homeowners, renters, flood, boat, farm, life, motorcycle and umbrella coverage. The agency emphasizes personalized service, competitive rates and provides an online quoting tool for quick estimates.
H-E-B Pharmacy
Licensed insurance agency in Manor, TX. Contact directly for available products and carriers.
Spectacle Eye Design
Licensed insurance agency in Manor, TX. Contact directly for available products and carriers.
Ugarte Insurance Agency
Ugarte Insurance Agency provides comprehensive insurance solutions and title services, emphasizing personalized, transparent, and reliable service. Their mission focuses on building lasting client relationships, mitigating risks, and delivering expert guidance for individuals, families, and businesses.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Elgin, TX; represents 1 carrier.
Dan Finck - Texas Farm Bureau Insurance
Licensed insurance agency in Elgin, TX. Contact directly for available products and carriers.
Stephen Miller - State Farm Insurance Agent
Stephen Miller State Farm is a local State Farm agency serving the Manor, Texas community. The agency offers a range of personal and business insurance products and emphasizes personalized service in English, Spanish, and Italian.
ARA Diagnostic Imaging - Manor
ARA Diagnostic Imaging provides breast imaging and a full range of radiology services across 17 locations in Central Texas, offering 3D mammography, MRI, CT, PET, nuclear medicine, and other exams.
Fred Loya Insurance
Fred Loya Insurance is an auto‑insurance agency that provides quick quotes, same‑day coverage, and a range of discounts across multiple states in the U.S. It emphasizes affordable car insurance and easy access to local agents.
Manor Vision
Ideal Eye Team is a family optometry practice in Central Texas offering comprehensive eye exams, contact lens fittings, and a wide selection of eyeglass frames. The clinic emphasizes personalized care and modern eye health services for patients of all ages.
Eazy Start Insurance Agency
Eazy Start Insurance is a bilingual agency serving the Austin metropolitan area since 2021, offering a wide range of personal and commercial insurance solutions. They provide free quotes, personalized service, and a variety of coverages including auto, homeowners, renters, flood, commercial property, liability, umbrella and inland marine.
CareNow Urgent Care - Manor
Our family-friendly walk-in clinic in Manor, Texas offers expert treatment for minor illnesses and injuries along with a wide range of routine medical services.
Freedom Health Solution
Freedom Health Solution is a locally owned agency dedicated to helping clients navigate individual, group, and Medicare health insurance options. The CEO, Andrea Rye Gonzalez, is a licensed broker who works with 20 carriers to find the right plan for each customer.
Insurance Ready Me
Licensed insurance agency in Manor, TX. Contact directly for available products and carriers.
Farmers Insurance - John Jonse
Licensed insurance agency in Manor, TX; represents 1 carrier.
A&G Insurance Agency-Manor TX
Licensed insurance agency in Manor, TX. Contact directly for available products and carriers.
Best Buy Insurance
We are an independent agency focused on the customer, offering relationships with dozens of insurance companies to get the right price and service. We provide quality service and a personal touch for auto, home, and life insurance.
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.