Homeowners Insurance in Fate, 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 Fate
Within 15 miles of Fate, 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.
Houston Tullos is a State Farm® Insurance Agent serving the Fate, TX area. He opened the Fate office in 2022 and, together with his team, offers auto, homeowners, renters, life, motorcycle, boat and other insurance products. The agency emphasizes personalized service and community involvement.
Our family‑owned account service has been serving the community for the last 10 years. Our team includes experienced CPAs and dedicated support to provide both personal and professional financial services.
Hanby Insurance is an independent agency in Rockwall, Texas, serving North Texas for over 85 years. It offers home, auto, and business insurance solutions with same‑day service and a focus on personalized, responsive support.
Schillace Insurance Agency Inc. is a State Farm‑affiliated agency in Royse City, Texas, serving individuals, families and small businesses across North Texas. The team offers a wide range of insurance options—including auto, homeowners, renters, commercial, life, motorcycle and boat coverage—and emphasizes personalized service and community involvement.
Kari Hargrave is a State Farm insurance agent in Royse City, TX, serving the community since 2006. She and her team offer a variety of insurance products in English and Spanish, with over 50 years of combined experience.
Ensurity Group is an insurance agency founded in 1998 that offers Medicare, health, life, home, and auto insurance solutions.
Brian Petersen is a local Allstate agent in Rockwall, TX who emphasizes personal relationships and helping families find insurance solutions for their homes, cars, and other needs. He offers a range of coverage options and is available for in‑person or virtual appointments.
Eastman Insurance Solutions (EIS) is an independent Texas‑based agency that provides tailored personal and commercial insurance solutions for high‑net‑worth families, contractors, residential care facilities, and other specialized businesses. They emphasize education, proactive risk management, and year‑round advocacy beyond the policy.
Shelley Dietrich is a State Farm insurance agent serving Rockwall, Texas and surrounding towns, offering auto, homeowners, condo, renters, business, life, health, and pet insurance. With over 30 years of experience and State Farm affiliation since 2001, the agency provides 24/7 quotes and community‑focused service.
Terry Hayden is an Allstate insurance agent in Royse City, TX offering auto, homeowners, renters, motorcycle, life, boat, and ATV insurance. The agency serves Royse City, Rockwall, and Quinlan with English and Spanish support.
Travis Barton is a State Farm insurance agent serving Rockwall, TX and surrounding areas for over twelve years. The agency offers a wide range of products including auto, home, life, business, motorcycle, RV, boat, renters and more, and also provides retirement and investment services. The team is committed to personalized service and community involvement.
The Fite Agency is an independent, family‑owned insurance agency serving Rockwall, Texas. They work with multiple major carriers to provide auto, home, renters, life, commercial and umbrella coverage, and offer free instant quotes and personalized service.
Herald Insurance Group specializes in senior-focused insurance solutions, offering Medicare, health, life, dental, and critical illness coverage with a personalized, customer‑first approach. The agency emphasizes education, value‑added service, and helping clients find affordable plans.
Care Texas Health offers primary care, urgent care, and on-demand video visits, along with health assessments and wellness resources.
Terry Hayden is an Allstate insurance agent serving Royse City, TX, offering auto, home, condo, renters, motorcycle, life, ATV and boat insurance. The agency provides quotes, appointments, and 24/7 contact via phone and text, with a 4.5‑star rating from 322 reviews.
Jay Trusty is a State Farm agent in Rockwall, TX serving individuals and families since 2018. He offers auto, homeowners, and life insurance and emphasizes clear communication, integrity, and care.
Bob Ellis Insurance Services has proudly served the insurance needs of Royse City and all of Texas since 2000. Our independent agency helps you find the best value on auto, home, life, and more.
Salt Jacket Insurance Services, LLC is an Allstate agency in Rockwall, Texas. They emphasize community knowledge and a wide variety of coverage options to protect families, homes, cars, and more. The agency highlights personalized service and long‑term financial protection for local residents.
Licensed insurance agency in Rockwall, TX; represents 1 carrier.
The agency protects families and their assets, focusing on property and casualty insurance such as home, auto, boats, motorcycle, RVs, as well as business and life insurance. They have five knowledgeable staff with over 50 years of industry experience serving more than 3,000 households in Texas.
The Neighborly team offers tax planning, IRS representation, tax preparation, accounting and more. We pride ourselves on delivering an amazing customer experience with top notch service.
Dyer Insurance Agency, Inc. is an independent insurance agency founded in 1929 that offers personal and business insurance solutions. They work with multiple carriers to find the best coverage and price for clients, emphasizing personalized service and ongoing coverage review.
Licensed insurance agency in Rockwall, TX; represents 1 carrier.
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.