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.
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.
Licensed insurance agency in Houston, TX; represents 9 carriers.
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.
Licensed insurance agency in Houston, TX; represents 4 carriers.
Licensed insurance agency in Houston, TX; represents 2 carriers.
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.
Licensed insurance agency in Houston, TX; represents 146 carriers.
Licensed insurance agency in Houston, TX; represents 11 carriers.
Licensed insurance agency in Houston, TX; represents 6 carriers.
Licensed insurance agency in Houston, TX; represents 12 carriers.
Licensed insurance agency in Houston, TX; represents 7 carriers.
Licensed insurance agency in Houston, TX; represents 23 carriers.
Licensed insurance agency in Houston, TX; represents 8 carriers.
Texas Insurance Agency (TIA) has been serving individuals, families, and businesses in Texas since 1999, offering independent comparisons of multiple carriers to find affordable coverage. The agency emphasizes personalized service, bilingual support, and a wide range of insurance options for personal and commercial needs.
Avalon Insurance Agency is an award‑winning independent agency in Houston, Texas offering a range of personal and commercial insurance products. Since 2006 they provide auto, home, umbrella, flood, renters, landlord, RV/motorcycle, commercial and life insurance with a focus on personalized service.
Licensed insurance agency in Houston, TX; represents 6 carriers.
Licensed insurance agency in Houston, TX; represents 36 carriers.
Licensed insurance agency in Houston, TX; represents 4 carriers.
Licensed insurance agency in Cypress, TX; represents 17 carriers.
Licensed insurance agency in Houston, TX; represents 82 carriers.
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.
Licensed insurance agency in Houston, TX; represents 4 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.