Homeowners Insurance in Gainesville, 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 Gainesville
Within 15 miles of Gainesville, 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.
Jim Goldsworthy is a State Farm insurance agent in Gainesville, Texas, serving North Texas and Southern Oklahoma since 1992. He offers a range of insurance products including auto, homeowners, renters, life, motorcycle and boat coverage, and focuses on personalized service.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Alamo Insurance is a North Texas agency that simplifies and personalizes auto, home, renters, and business insurance, comparing 30+ carriers to find affordable rates. They emphasize bilingual service, same‑day coverage, and a community‑focused approach.
D3 Insurance Group is a new company, but its combined experience of over 45 years sets it apart. The agency focuses on personalized service through its Discover, Design, Deploy process, offering personal and commercial insurance solutions.
At our insurance agency, we’ll work with you to ensure that you, and those you care about most, are protected. As independent agents we have the freedom to do what's right for you. Serving North Texas & Beyond for 100 Years.
Be Well Benefits, Inc. is a small insurance agency serving Texas and Oklahoma with nearly ten years of experience. The agency focuses on helping families find health insurance plans and offers personalized guidance through its two co‑owner agents.
Bezner Insurance offers auto, motorcycle, boat, homeowners, farm, and life insurance with a focus on personalized service and family values, promising support during clients' trials.
Licensed insurance agency in Gainesville, TX; represents 78 carriers.
Licensed insurance agency in Gainesville, TX; represents 1 carrier.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Fred Loya Insurance offers auto insurance across 12 states with over 800 offices, providing same‑day coverage, multiple discounts, and a range of auto policy options.
We are an independent insurance agency serving the Gainesville, Texas area, offering personal and business insurance solutions. Our clients receive a dedicated team to address their auto, homeowners, boat, umbrella, and other coverage needs. We also provide commercial lines such as commercial auto, property, and general liability.
Frannie Hesse is an independent insurance agent specializing in Medicare, commercial, life and health insurance solutions. She works with major insurance companies to provide appropriate coverage for clients across Texas and Oklahoma. She focuses on personalized plans that meet short‑ and long‑term needs.
Rose Insurance Group, LLC provides a variety of insurance options such as auto, homeowners, flood, and farm & ranch coverage, emphasizing personalized service and years of experience helping clients. They encourage customers to call (940) 368‑1878 for a direct consultation.
Licensed insurance agency in Gainesville, TX; represents 1 carrier.
Welcome to Dieter Insurance. From business to personal, our expert insurance agents can create policies that cover the most important things in your life. We have years of experience in the insurance industry and a staff of experts.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Gainesville, TX. Contact directly for available products and carriers.
Terrell Insurance Services is an independent agency that focuses on employee benefits, health insurance, Medicare and life insurance for individuals and businesses across Texas and Oklahoma. The agency emphasizes personalized service, virtual and phone consultations, and works with major carriers to provide tailored coverage without charging clients directly.
Licensed insurance agency in Gainesville, TX; represents 3 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.