Homeowners Insurance in Katy, 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 Katy, TX: 24 licensed insurance agencies serve 24,117 residents in Harris, Fort Bend, and Waller counties. auto premiums average $2,800 per year — 2% above the Texas state average. hurricane + wind + flood drives 45% of homeowner claims.
24 homeowners insurance agencies in Katy
Within 15 miles of Katy, 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.
L.A. Insurance is an affordable insurance agency that has been serving clients across the United States for over 33 years. It offers a range of low‑cost policies for vehicles, boats, motorcycles, RVs, renters, and life coverage, emphasizing flexible payment options and maximum protection.
Marco Cervantes is a State Farm agent since 2012, serving the Cypress‑Katy area with a focus on family values and community service. He offers personal and business insurance solutions and emphasizes education and personalized service for his clients.
MCN Multiservices is an independent insurance agency serving Harris and Fort Bend Counties, West Houston, and Katy for over 20 years. They offer personal and commercial insurance, tax preparation, and additional services with a focus on personalized, hassle‑free service.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage by comparing multiple carriers. They offer a range of personal and commercial insurance solutions and emphasize personalized service and quick quotes.
Tanner Sprinkel is a State Farm® insurance agent serving Cypress, Texas. He offers auto, homeowners, renters, life, motorcycle and boat coverage, as well as small‑business insurance. A former Marine Corps Staff Sergeant, he combines military discipline with a community‑focused approach to help local families and businesses protect what matters most.
North Star Insurance Partners provides health‑focused insurance services in Katy, TX, offering Medicare, ACA Marketplace, life and final expense plans, as well as supplemental coverage. They emphasize ethical, pressure‑free guidance and multilingual support.
RL Insurance is a Hispanic‑origin agency based in Houston that serves American, Hispanic and diverse families, offering health, dental, vision, life, Medicare, and other insurance solutions.
Henry – Integra Insurance Services, based in Katy, Texas, offers a range of personal and commercial insurance solutions. The agency emphasizes client education and tailored coverage, earning recognition as a leading agency in the Houston area. Founded with roots dating back to 1947, they partner with Integra Insurance Services to broaden options for customers.
Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that serves Texas families and businesses with a variety of personal and commercial insurance solutions. The agency merged with Memorial Insurance Agency and operates out of Houston, TX, offering auto, home, renters, flood, boat, and business coverage.
Acceptance Insurance offers a wide range of insurance products including auto, homeowners, renters, life, motorcycle and boat coverage, as well as business and personal protection options.
DLG Insurance Agency serves Katy and the surrounding Texas communities, helping consumers save money, businesses reduce risk, and families protect their financial future. The agency offers a wide range of insurance products, from auto and home to life and disability coverage.
Texas RIA is a local Platinum Progressive agency offering auto, home, business and trucking insurance. They provide comparative rates from top carriers and a range of online services for policy management and quotes.
Licensed insurance agency in Katy, TX; represents 5 carriers.
Hardcastle Insurance is an independent agency in Katy, Texas offering a one‑stop shop for auto, home, renters, life, motorcycle and boat coverage. They partner with multiple carriers to provide customized, affordable policies and emphasize personalized service.
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies, offering affordable protection for cars, homes, roadside assistance and more.
We are a State Farm team with more than forty years of combined insurance experience, serving Northwest Houston and the entire state of Texas. We offer auto, home, renters, inland marine, business, life and health insurance in English, Spanish and Tagalog.
Marlin Insurance Services is a trusted business insurance agency licensed in Texas, Oklahoma, Tennessee, and Ohio, serving individuals, families and businesses with auto, home, commercial and other coverage. With over 10 years of experience, their skilled team focuses on affordable, reliable insurance solutions.
Karina Sosa opened her Cypress agency in 2015 after 13 years in insurance and serves the Houston area as a trusted Allstate agent. She emphasizes customer service and helping local businesses with their commercial insurance needs. Her team focuses on building relationships and providing the right coverage for each client.
A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top-rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more – all while delivering personalized service you can count on.
Troy Hooper State Farm Agency proudly serves families, individuals, and businesses throughout Cypress, Katy, Tomball, Spring, The Woodlands and the Houston metropolitan area, offering a full range of personal and commercial insurance products.
Cop Girl Health Insurance helps self‑employed, freelancers and small business owners find affordable health, dental, vision and supplemental insurance plans, offering nationwide PPO networks and personalized guidance.
Provides free, personalized assistance to help individuals enroll in 2026 health insurance plans, offering both in‑person and phone appointments.
Commercial Insurance Services of Texas is an independent insurance agency serving Katy, Pearland, and Houston, focused on providing business insurance solutions with a strong emphasis on customer service. They partner with multiple carriers to offer comprehensive coverage for commercial and personal policies.
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.