Homeowners Insurance in Horizon City, 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 Horizon City
Within 15 miles of Horizon City, 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.
Advantage Insurance Agency is a locally owned agency in El Paso, Texas, founded in 1989. It offers auto, home, life, motorcycle, RV and other insurance products, primarily as a Progressive Authorized agency.
Licensed insurance agency in El Paso, TX; represents 4 carriers.
Licensed insurance agency in El Paso, TX; represents 1 carrier.
Licensed insurance agency in El Paso, TX; represents 23 carriers.
Licensed insurance agency in El Paso, TX; represents 60 carriers.
At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. Proudly serving the community, we specialize in auto, home, renters and business insurance. We offer access to more than 30 insurance companies to ensure you get the best protection at the lowest price.
Licensed insurance agency in El Paso, TX; represents 8 carriers.
Licensed insurance agency in Dallas, TX; represents 1 carrier.
Licensed insurance agency in El Paso, TX; represents 17 carriers.
We’re an independent, locally owned agency in El Paso, Texas, serving Texas and New Mexico residents with a range of insurance options. Our team helps customers find personal auto, homeowners, renters, commercial auto, motorcycle and travel coverage tailored to their needs.
Omega Insurance Agency is a Texas‑based insurance provider offering both personal and commercial coverage. The agency highlights a team of dedicated professionals who deliver tailored insurance solutions for individuals and businesses.
Alpha Insurance Services, based in El Paso, Texas, has over 15 years of experience providing personalized insurance coverage for individuals and businesses. They specialize in auto, homeowners, renters, commercial and other insurance lines with a focus on local expertise and competitive rates.
Licensed insurance agency in El Paso, TX; represents 24 carriers.
Licensed insurance agency in El Paso, TX; represents 19 carriers.
Licensed insurance agency in San Antonio, TX; represents 57 carriers.
Licensed insurance agency in El Paso, TX; represents 3 carriers.
Twin City Insurance, LLC is an El Paso‑based agency offering low‑cost auto, home and business insurance across Texas, New Mexico, Colorado and nationwide. They compare quotes from multiple carriers to find competitive rates and provide quick policy issuance and personalized service. Their staff emphasizes helpful, friendly assistance and aims to protect families and vehicles at affordable prices.
Licensed insurance agency in El Paso, TX; represents 16 carriers.
Licensed insurance agency in Mcallen, TX; represents 3 carriers.
Licensed insurance agency in El Paso, TX; represents 13 carriers.
Licensed insurance agency in El Paso, TX; represents 24 carriers.
Licensed insurance agency in El Paso, TX; represents 40 carriers.
Licensed insurance agency in El Paso, TX; represents 11 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.