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.
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.
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.
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.
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.
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.
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.
Equity Insurance Group in Katy, Texas offers personalized insurance shopping, comparing over 80 carriers to find competitive rates for auto, home, renters, and other coverages. They emphasize real‑person support, easy claims assistance, and a free no‑obligation evaluation.
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.
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.
Licensed insurance agency in Katy, TX; represents 69 carriers.
AAAA Insurance is a family‑owned independent agency serving the greater Houston Metro area. It has been operating since 1994 and has grown from one office to more than 15 locations. The agency focuses on providing friendly, customer‑first service for auto, home and commercial insurance needs.
Licensed insurance agency in Katy, TX; represents 31 carriers.
Licensed insurance agency in Houston, TX. Contact directly for available products and carriers.
Licensed insurance agency in Katy, TX; represents 19 carriers.
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.
Licensed insurance agency in Cypress, TX; represents 3 carriers.
Licensed insurance agency in Katy, TX; represents 5 carriers.
Txinsurance provides an online tool to compare affordable health plans and offers support for understanding, enrolling, and managing those plans.
Fargo Insurance Agency, founded in 2004, offers auto, home, commercial, health, and life insurance through a broad network of carriers. The agency emphasizes direct relationships with insurers to provide personalized coverage for customers in Cypress, TX.
Licensed insurance agency in Katy, TX; represents 19 carriers.
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.
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.