Homeowners Insurance in Houston, 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 Houston, TX: 24 licensed insurance agencies serve 2,390,125 residents in Harris County. auto premiums average $3,150 per year — 28% above the Texas state average. hurricane + hail drives 38% of homeowner claims.
24 homeowners insurance agencies in Houston
Within 15 miles of Houston, 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.
Licensed insurance agency in Houston, TX; represents 38 carriers.
L.A. Insurance is an affordable insurance company, serving clients across the USA for over 33 years. We offer protection for your cars, boats, motorcycles, RVs, and business vehicles based on your needs, to bring you ultimate peace of mind.
Farris Benefit Group is an insurance agency based in Houston, TX that provides affordable health, life, and Medicare insurance solutions for companies, families, and individuals.
Texas Insurance Agency (TIA) is an independent agency that has been serving individuals, families, and businesses in Texas since 1999. They compare multiple carriers to provide affordable coverage across auto, home, and commercial lines.
Dean & Draper is a Houston‑based independent insurance broker serving Texas and nationwide since 1981. They provide commercial and personal insurance lines, employee benefits, and risk‑management solutions while emphasizing technology and personalized service.
Galaxy Insurance was established two decades ago in Houston, Texas. In 1999, starting from a single store in the Southeast region of Houston, we now have multiple convenient locations all around Houston, and continue to grow. We are licensed throughout the state of Texas and can insure you and your vehicles in Texas.
L.A. Insurance is an affordable insurance agency that has been serving clients across the USA for over 33 years. It offers a range of insurance products including auto, motorcycle, boat, renters, commercial auto and life insurance at low rates.
TIA‑Texas Insurance Agency is an independent agency in Houston, Texas, serving families and businesses since 1999. It offers affordable auto, home, motorcycle, and commercial coverage by comparing multiple carriers to find the best value.
Synthetic test agency for dev lead-flow testing — selectable as a target. Phone + email route to the founder. Hidden on prod + sitemap; ranks last. Drop with --drop before any external review.
L.A. Insurance is an affordable insurance agency that has been serving clients across the USA for over 33 years. It offers low‑cost coverage for auto, motorcycle, boat, RV, renters and life insurance, providing flexible payment options and quick policy activation.
La Familia Insurance provides auto, home, renters, and commercial insurance with a focus on affordable coverage for diverse communities. Their mission is to protect families without judgment and deliver personalized, bilingual service.
Bridgette Emanuel State Farm is a Texas‑based insurance agency offering a range of personal and commercial insurance products. The agency serves the Houston area and the wider Texas market, providing auto, homeowners, renters, life, motorcycle, and boat insurance among others. The agent has been affiliated with State Farm since 1994.
Amtex Insurance provides affordable auto, home, and business insurance for Texas residents, emphasizing personal service and quick coverage. With over 25 years of experience, the agency highlights its local agents, multiple carrier options, and a commitment to community involvement.
Real Insurance for Real People. Affordable auto, home, and business insurance protecting what matters most to you.
La Familia Insurance provides auto, home, renters, and business insurance with a focus on affordable, reliable coverage for diverse communities. Their mission is to protect customers from sudden loss and to offer bilingual service. Founded in 2010, they have grown to 90 offices across Texas.
Licensed insurance agency in Houston, TX; represents 2 carriers.
Altivo Insurance is a Houston‑based agency partnering with Goosehead to embed insurance into real estate transactions, offering a broad range of personal and commercial coverage options.
Hispano Americano Insurance has served the Houston community for over 30 years, offering personal service and immediate coverage across auto, home, life, and commercial insurance lines.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable coverage across Texas. The agency compares multiple carriers to match customers with policies that fit their needs, offering a wide range of personal and commercial insurance products.
Licensed insurance agency in Houston, TX; represents 9 carriers.
We are in the business of helping people by shopping insurance policies with multiple top‑rated carriers. As a highly respected agency in the greater Houston area we serve total insurance needs including life, home, auto, commercial and financial services.
L.A. Insurance is an affordable insurance company serving clients across the USA for over 33 years. It offers auto, motorcycle, boat, renters, RV, and life insurance with low down payments and flexible payment plans.
Licensed insurance agency in Houston, 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.