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Homeowners Insurance in Garland, 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 Garland, TX: 24 licensed insurance agencies serve 250,431 residents in Dallas County. auto premiums average $2,810 per year — 2% above the Texas state average. wind + hail drives 60% of homeowner claims.

24 homeowners insurance agencies in Garland

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

CI

CINCO Auto Insurance

Garland, TX· 2.2 mi
Agency
Very Popular
10+ agents

Cinco Auto Insurance is a fast‑growing Texas‑based agency offering auto, home, renters, and commercial insurance solutions, backed by over 7,000 five‑star Google reviews. They emphasize bilingual service, competitive rates, and quick coverage through a network of hand‑picked carriers.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
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FI

Farmers Insurance - Sylvia Taylor

Rowlett, TX· 2.6 mi
Agency
Very Popular
10+ agents

Farmers Insurance agent serving Rowlett, Texas.

AutoCommercial GLHomeownersLife+2 more
Carriers: Berkshire Hathaway Homestate Insurance Company, Economy Fire & Casualty Company, Economy Preferred Insurance Company +18
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CI

Costlow Insurance

Rowlett, TX· 3.4 mi
Agency
Popular
10+ agents45yr

Costlow Insurance has been providing insurance in Rowlett, Texas since its inception in 1981. Our agency has grown from a single‑owner proprietorship into a full‑service organization offering some of the best insurance values in Texas today.

AutoBoatCommercial GLCommercial Property+5 more
Carriers: American Economy Insurance Company, American Fire and Casualty Company, American Mercury Insurance Company +53
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AI

A&E Auto Insurance

Garland, TX· 1.3 mi
Agency
New on InsurConnect
20+ agents25yr

A&E Auto Insurance is a small Christian independent agency in Garland, Texas offering auto, commercial, life, and motorcycle insurance along with SR‑22, notary and surety services. They work with over 20 carriers and have been serving the community for 25 years.

Spanish
AutoCommercial GLHomeownersLife+3 more
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CI

CINCO Auto Insurance

Garland, TX· 4.2 mi
Agency
Very Popular
10+ agents

Cinco Auto Insurance is a fast‑growing agency offering auto, homeowners, renters and commercial insurance solutions under one roof, boasting over 7,000 five‑star Google reviews.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
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LI

Lopez Auto Insurance

Garland, TX· 3.7 mi
Agency
Very Popular
6+ agents15yr

Lopez Auto Insurance, based in Texas since 2011, offers a range of insurance options including auto, homeowners, boat, and motorcycle coverage. They emphasize fast quotes, friendly staff, and personalized service to help customers protect their vehicles and property.

AutoBoatCommercial GLHomeowners+3 more
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WL

Wemson Insurance Services LLC

Garland, TX· 2.7 mi
Agency
20+ agents

Wemson Insurance Services represents a variety of reputable insurance companies and offers quick, risk‑free quotes for health & life, homeowners, renters, business, bonds, auto and more. They aim to provide high‑quality service tailored to personal needs in Texas. The agency invites customers to call 972‑272‑4103 for assistance.

AutoBoatCommercial GLHomeowners+3 more
Carriers: ANCHOR GENERAL INSURANCE COMPANY, Accident Insurance Company, Inc., Affirmative Insurance Company +37
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LI

La Familia Auto Insurance

Garland, TX· 2.2 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance provides auto, home, renters, and commercial insurance with a focus on affordable, reliable coverage for the community. They emphasize bilingual service and have been serving Texas for 15 years since 2010.

Spanish
AutoCommercial GLHomeownersRenters+1 more
Carriers: Bravo General (in-house MGA), GAINSCO, Progressive County Mutual +4
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LI

La Familia Auto Insurance

Garland, TX· 2.7 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance offers auto, homeowners, renters, and commercial coverage with a focus on bilingual service. Founded in 2010, the agency celebrates 15 years serving Texas communities and operates 90 offices. Their mission is to provide affordable, reliable protection without judging credit history.

Spanish
AutoCommercial GLHomeownersRenters+1 more
Carriers: Bravo General (in-house MGA), GAINSCO, Progressive County Mutual +4
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LI

La Familia Auto Insurance

Garland, TX· 2.8 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance provides auto, home, renters, and business insurance, focusing on affordable, reliable coverage for the community. They emphasize bilingual service and personalized support, comparing policies to find the best fit.

Spanish
AutoCommercial GLHomeownersRenters+1 more
Carriers: Bravo General (in-house MGA), GAINSCO, Progressive County Mutual +4
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RG

Rising Star Insurance Group

Richardson, TX· 7.1 mi
Agency
Popular
20+ agents40yr

Rising Star Insurance Group specializes in safeguarding businesses, homes, and futures, offering personalized insurance solutions with over 40 years of trusted experience and a focus on integrity, expertise, and exceptional service.

AutoCommercial GLHomeownersRenters+1 more
Carriers: AMERICAN CASUALTY COMPANY OF READING, PENNSYLVANIA, Ace American Insurance Company, Aetna Dental Inc. +43
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EA

Express Insurance Agency

Rowlett, TX· 3.8 mi
Agency
Popular
10+ agents

Express Insurance Agency provides affordable coverage for individuals, families, and businesses in the Garland, Plano, and Dallas areas. They offer a range of personal and commercial insurance options and emphasize personalized service and competitive rates.

AutoHomeownersRentersLife+5 more
Carriers: American Risk Insurance Company, Inc., GEICO County Mutual Insurance Company, GEICO Texas County Mutual Insurance Company +2
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LI

Lopez Auto Insurance

Richardson, TX· 4.8 mi
Agency
Popular
6+ agents15yr

Lopez Auto Insurance, based in Dallas/Fort Worth since 2011, offers a range of insurance options including auto, homeowners, motorcycle and boat coverage. The agency emphasizes quick quotes, personalized service, and a friendly staff dedicated to helping clients protect what matters most.

AutoBoatCommercial GLHomeowners+3 more
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AA

Assurnet Insurance Agency Agent: Mark Solomon, Sr.

Richardson, TX· 5.9 mi
Agency
Popular
10+ agents40yr

Assurnet Insurance Agency is an independent insurance agency in Richardson, Texas that has been serving the state since 1986. It offers personal and business insurance solutions, compares options from top carriers, and aims to simplify the insurance process for its customers.

AutoCommercial GLHomeownersLife+2 more
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DA

Decisive Insurance Agency

Richardson, TX· 6.1 mi
Agency
Very Popular
20+ agents

Decisive Insurance specializes in commercial, life, home and auto insurance policies, partnering with A‑rated admitted carriers to provide quality coverage. They offer a range of products from homeowners and auto to business and specialty insurance.

AutoBoatCommercial GLCommercial Property+6 more
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, Aetna Dental Inc., Aetna Health Inc. +38
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WL

Wigant & Associates, LLC

Rowlett, TX· 2.2 mi
Agency
New on InsurConnect
20+ agents

Wigant & Associates, LLC is a full‑line insurance agency based in Rowlett, Texas serving clients throughout the United States. Founded by Dennis Wigant, the agency offers property and casualty, health, and life insurance solutions.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Ace Property and Casualty Insurance Company, Aetna Health Inc. +92
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OS

One Sharpe Solution

Richardson, TX· 4.8 mi
Agency
New on InsurConnect
20+ agents20yr

One Sharpe Solution has been insuring the local community for over 20 years, offering a range of personal and business insurance options. Their staff emphasizes personalized service, helping clients navigate complex policy choices with knowledge and compassion.

AutoCommercial GLHomeownersLife+2 more
Carriers: AssuranceAmerica Insurance Company, Care Improvement Plus South Central Insurance Company, Clearcover Insurance Company +24
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LI

La Familia Auto Insurance

Garland, TX· 3.9 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance provides auto, home, renters, and commercial insurance, emphasizing affordable and reliable coverage for the community. Their mission is to protect families and eliminate fear of losing everything, while offering bilingual service.

Spanish
AutoCommercial GLHomeownersRenters+1 more
Carriers: Bravo General (in-house MGA), GAINSCO, Progressive County Mutual +4
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FI

Farmers Insurance - Lane Hamilton

Richardson, TX· 4.4 mi
Agency
Very Popular
20+ agents

Licensed insurance agency in Richardson, TX; represents 1 carrier.

AutoCommercial GLHomeownersLife+2 more
Carriers: Farmers
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AI

American mga insurance

Richardson, TX· 6.7 mi
Agency
Popular
20+ agents

American MGA provides confidence, care, and commitment with transparent, simple insurance solutions. The agency offers a full range of policies including auto, home, business and life insurance, and emphasizes personalized guidance and integrity.

Arabic
AutoCommercial GLCommercial PropertyHomeowners+3 more
Carriers: Aetna Health Inc., Alinsco Insurance Company, Ameritas Life Insurance Corp. +11
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BA

Brightway Insurance, The Phan Agency

Richardson, TX· 6.0 mi
Agency
Popular
10+ agents

Brightway Insurance offers a modern, independent‑agent approach that connects customers with a variety of carriers and personalized quotes. The agency emphasizes trust, quick response, and comprehensive coverage options for individuals and businesses.

AutoHomeownersRentersFlood+6 more
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HI

Highstreet Insurance - Sandy Garza & Associates

Richardson, TX· 7.0 mi
Agency
Popular
20+ agents

We insure the things you love, helping you protect today and illuminate tomorrow. Our local agents keep the things you care about safe so you can plan for the future with confidence.

AutoCommercial GLHomeownersRenters+1 more
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +102
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IC

Insurance Corporation

Garland, TX· 2.8 mi
Agency
20+ agents

Ammouri Insurance is a Garland, Texas agency that provides auto, homeowners and liability coverage for individuals and small businesses. Led by founder Azzmie Ammouri, the team—including Stephanie and Brenda—focuses on personalized service and clear communication.

AutoCommercial GLHomeownersRenters+1 more
Carriers: ANCHOR GENERAL INSURANCE COMPANY, Affirmative Insurance Company, Agricultural Workers Mutual Auto Insurance Company +30
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FG

Five Star Insurance Group

Richardson, TX· 6.8 mi
Agency
Popular
20+ agents

Five Star Insurance Group is an independent insurance agency serving clients in the Richardson, Texas area. They offer personal and business insurance coverages including auto, homeowners, pet, boat, condo, and various commercial lines.

AutoHomeownersRentersCommercial GL+6 more
Carriers: Ace American Insurance Company, Ace Fire Underwriters Insurance Company, Ace Property and Casualty Insurance Company +53
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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 Garland