Skip to content

Homeowners Insurance in Fentress, 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 Fentress

Within 15 miles of Fentress, TX. Click any agency to view profile, contact info, and request a quote.

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 128.8 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +21-2 agents
B Listed
Bruce Germer Insurance Agency
4.8 · <100 reviews on Google45 yrs in business

Bruce Germer Insurance Agency is a locally owned insurance provider in Lockhart, TX offering auto, home, life, farm, flood, and recreational insurance. With over four decades of experience they partner with carriers such as Progressive, DiaryLand, and Foremost Insurance and emphasize personalized service and client satisfaction.

AutoCommercial GLFarmFlood+4 more
Lockhart, TX· 9.6 mi
Carriers: Progressive, DiaryLand +1
View profile
R Listed
Ryan Powell - State Farm Insurance Agent
4.8 · <100 reviews on Google7 yrs in business

Ryan Powell has been in the insurance industry with State Farm for over 13 years and has operated his agency for more than 7 years, serving customers throughout Texas. The agency offers personalized service, helping clients assess and select appropriate coverage.

AutoCommercial GLHomeownersLife+2 moreSpanish
San Marcos, TX· 11.2 mi
Carriers: State Farm
View profile
F Listed
Farmers Insurance - Jennifer Ochoa
4.8 · <100 reviews on Google

Jennifer Ochoa is a Farmers Insurance agent in Lockhart, Texas, offering auto, home, renters, life, and business insurance.

AutoCommercial GLHomeownersLife+2 more
Lockhart, TX· 9.0 mi
Carriers: Farmers Insurance1-2 agents
View profile
M Listed
Medicare Plans by MedicareMall
4.8 · <100 reviews on Google

Medicare Mall is a specialist agency that helps clients navigate Medicare options, including Medicare Supplement (Medigap), Part D prescription drug plans, and Medicare Advantage plans. They provide personalized guidance, enrollment assistance, and ongoing support to ensure optimal coverage and cost savings.

AutoCommercial GLHomeownersRenters+1 more
San Marcos, TX· 12.4 mi
Carriers: Humana
View profile
B Listed
Brian Parker: Allstate Insurance
4.6 · 100+ reviews on Google

Brian Parker is an Allstate insurance agent serving San Marcos, TX. He offers a range of insurance products including auto, homeowners, renters, motorcycle, life, and boat coverage, and provides quotes via phone, online, and appointments.

AutoBoatCommercial GLHomeowners+4 moreSpanish
San Marcos, TX· 11.3 mi
Carriers: Allstate
View profile
F Listed
Freeway Insurance
4.9 · 500+ reviews on Google

Freeway Insurance is a nationwide insurer offering auto, home, renters, life, motorcycle and boat insurance, with a location serving San Marcos, TX. Customers can get a quote online or by calling 800‑777‑5620, and assistance at 888‑443‑4662.

AutoBoatCommercial GLHomeowners+4 moreSpanish
San Marcos, TX· 11.1 mi
Carriers: Confie (parent MGA), Progressive County Mutual +41-2 agents
View profile
T Listed
The Insurance Team
4.3 · <100 reviews on Google

The Insurance Team is independently owned, family‑run and locally operated in Lockhart, Texas. Our agents collectively have over 100 years of experience in the insurance industry. We are committed to finding you and your family competitive rates with accurate coverage that is unique to your insurance needs.

AutoBoatCommercial GLFarm+5 more
Lockhart, TX· 9.8 mi
Carriers: AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, CHARTER OAK FIRE INSURANCE COMPANY, THE +20
View profile
G Listed
Germer Insurance Services
4.8 · <100 reviews on Google

Germer Insurance Services is a family of independent insurance agencies operating in Bastrop, Lockhart, and San Marcos, offering personalized insurance solutions. The owners, Gary Germer Jr. and Greg Germer, emphasize diligent, honest, and ethical service to match clients with the right products.

AutoCommercial GLHomeownersLife+2 more
Lockhart, TX· 10.1 mi
License on file (TDI)
View profile
S Listed
San Marcos Insurance Agency, Inc.
4.8 · <100 reviews on Google

San Marcos Insurance Agency is an independent agency offering personal and business insurance solutions in Central Texas. They emphasize personalized service, a wide range of coverage options, and community involvement. The agency highlights its experienced team and partnerships with multiple carriers to provide competitive rates.

AutoBoatCommercial GLCommercial Property+5 more
San Marcos, TX· 11.7 mi
Carriers: ASI Lloyds, Aetna Dental Inc. +221-2 agents
View profile
C Listed
Carter & Co Insurance
4.8 · <100 reviews on Google

Texas Trusted Insurance Agency is an independent insurance agency offering a wide range of coverage including auto, homeowners, commercial, life, and health insurance. They also provide bonds, permits, and special event coverage, with a focus on the oil & gas industry. The agency emphasizes competitive pricing and tailored protection programs for clients.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Lockhart, TX· 10.2 mi
License on file (TDI)
View profile
R Listed
Rebecca Pulliam - State Farm Insurance Agent
4.5 · <100 reviews on Google13 yrs in business

Rebecca Pulliam is a local State Farm Insurance Agent serving Lockhart and surrounding areas. She has been a State Farm Agent since 2013 and offers Auto, Homeowners, Renters, Life, Business, and other insurance services. She is active in the community and holds a ChFC designation.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Lockhart, TX· 10.1 mi
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm County Mutual Insurance Company of Texas +41-2 agents
View profile
D Listed
Direct Auto Insurance
4.7 · <100 reviews on Google

Direct Auto agency located at 1630 Aquarena Springs Dr, Ste B, San Marcos, TX offers auto insurance and related products such as term life, SR‑22 filing, roadside assistance, and collision coverage. They provide flexible payment options and serve customers in English.

AutoCommercial GLHomeownersLife+3 more
San Marcos, TX· 11.6 mi
Carriers: Direct Auto Insurance1-2 agents
View profile
R Listed
Rosie Garcia - State Farm Insurance Agent
4.8 · 100+ reviews on Google15 yrs in business

Rosie Garcia is a State Farm insurance agent serving Central Texas since 2011. She offers a wide range of personal and commercial insurance products and serves clients in both English and Spanish.

AutoBoatCommercial GLHomeowners+4 moreSpanish
San Marcos, TX· 12.6 mi
Carriers: MGA Insurance Company, Inc., STATE FARM GENERAL INSURANCE COMPANY +51-2 agents
View profile
G Listed
Goosehead Insurance - Jacob Frankel
4.1 · <100 reviews on Google

Goosehead Insurance offers a range of coverage options including home, auto, renters, boat, motorcycle and flood insurance, helping customers compare policies from many carriers. The site emphasizes personalized service, expert agents and easy online quoting.

AutoBoatCommercial GLFlood+4 more
San Marcos, TX· 11.2 mi
3-5 agents
View profile
J Listed
Jo Stephens - State Farm Insurance Agent
4.7 · <100 reviews on Google19 yrs in business

Since 2007, Jo Stephens has served as a State Farm Agent in South Texas, providing auto, home, life, and other insurance services. He and his bilingual team serve San Marcos and surrounding areas with a focus on customer service.

AutoCommercial GLHomeownersLife+2 moreSpanish
San Marcos, TX· 11.7 mi
Carriers: State Farm1-2 agents
View profile
R Listed
Rosado Insurance Agency
4.7 · 100+ reviews on Google

Rosado Insurance Agency, LLC provides high‑customer‑service insurance solutions across Texas, offering auto, home, motorcycle, flood, business and more. They partner with top‑rated carriers and draw on over 30 years of combined experience serving San Marcos, Elgin, Uvalde and surrounding areas.

AutoCommercial GLFloodHomeowners+3 moreSpanish
San Marcos, TX· 11.3 mi
1-2 agents
View profile
R Listed
Rob Geiger - GEICO Insurance Agent
4.8 · 100+ reviews on Google85 yrs in business

GEICO Insurance Agency provides a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, earthquake, flood and commercial general liability coverage.

AutoHomeownersRentersMotorcycle+6 more
San Marcos, TX· 12.8 mi
Carriers: GEICO1-2 agents
View profile
M Listed
Michael Feulner - State Farm Insurance Agent
4.8 · <100 reviews on Google

Michael Feulner State Farm is a local insurance agency serving central Texas, including Hays, Travis, and Comal counties. The agency offers personal and commercial insurance products with a focus on fast, personalized service and a strong community presence.

AutoBoatCommercial GLHomeowners+4 moreSpanish
San Marcos, TX· 12.2 mi
Carriers: State Farm1-2 agents
View profile
F Listed
Farmers Insurance - Matthew Patterson
4.8 · 100+ reviews on Google

Licensed insurance agency in San Marcos, TX; represents 1 carrier.

AutoCommercial GLHomeownersLife+2 more
San Marcos, TX· 12.2 mi
Carriers: Farmers
View profile
L Listed
Low Cost Insurance
4.1 · <100 reviews on Google23 yrs in business

Low Cost Insurance is an independent agency serving Lockhart and all of Texas since 2003, offering auto, home, motorcycle and other specialty insurance products. They provide flexible coverage options, online quoting, and 24/7 personal support.

AutoCommercial GLHomeownersLife+3 more
Lockhart, TX· 9.9 mi
1-2 agents
View profile
A Listed
Amber Leighe Armer - State Farm Insurance Agent
4.8 · <100 reviews on Google8 yrs in business

Amber Leighe Armer is a State Farm insurance agent serving San Marcos, Texas and surrounding Central and South Texas counties. She offers a range of State Farm products including auto, home, renters, condo, business, life and health insurance. She has been an agent since February 2018 and leads a team with an emotional support dog.

AutoBoatCommercial GLHomeowners+4 more
San Marcos, TX· 13.2 mi
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm Classic Insurance Company +51-2 agents
View profile
Y Listed
Yarbrough Agency
4.7 · <100 reviews on Google

The Yarbrough Agency provides life, health, employee benefits, and retirement planning insurance solutions for individuals and businesses. Their trustworthy agents work to fit insurance to families and employee needs while keeping costs competitive.

AutoCommercial GLDisabilityHomeowners+3 more
San Marcos, TX· 12.8 mi
License on file (TDI)
View profile
M Listed
Monicque Yvonne Maciel: Primerica - Financial Services
4.8 · <100 reviews on Google49 yrs in business

Primerica is a financial services firm that helps middle‑income families with term life insurance, auto and home insurance referrals, and other investment and protection products. Established in 1977, the company emphasizes financial education and planning for the future. It operates nationwide in the U.S. and Canada with a network of licensed representatives.

AutoCommercial GLHomeownersLife+2 moreSpanish
Lockhart, TX· 9.6 mi
Carriers: Primerica1-2 agents
View profile

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.

Homeowners insurance in other Texas cities

Other insurance types in Fentress