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Homeowners Insurance in Krum, 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 Krum

Within 15 miles of Krum, TX. Click any agency to view profile, contact info, and request a quote.

NA

Neal & Neal Insurance Agency

Denton, TX· 8.1 mi
Agency
Popular
10+ agents

Neal & Neal Insurance Agency, Inc. is an independent agency serving businesses and families in Texas, Colorado, Oklahoma, Georgia, and New Mexico. They provide personalized service and a wide range of insurance products to meet personal and commercial needs.

AutoBoatCommercial GLCommercial Property+8 more
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GI

Glenn Davis Insurance

Denton, TX· 9.1 mi
Agency
20+ agents52yr

Glenn Davis Insurance represents many different companies and specializes in matching customers with coverage that provides the right protection for the best price. The agency has been serving Denton and the entire state of Texas since 1974.

Spanish
AutoBoatCommercial GLHomeowners+3 more
Carriers: AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, American Economy Insurance Company, American Fire and Casualty Company +59
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AS

Agents Alliance Services

Denton, TX· 10.6 mi
Agency
Popular
20+ agents18yr

Agents Alliance Services is an independent insurance aggregator that supports independent agents by providing tools, resources, and carrier relationships to help them build successful agencies. Since 2008 they have partnered with personal and commercial insurance agencies to increase revenue and promote agency ownership.

AutoCommercial GLHomeownersRenters+1 more
Carriers: ACUITY, A MUTUAL INSURANCE COMPANY, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +310
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RI

Ramey & King Insurance

Denton, TX· 12.1 mi
Agency
Popular
10+ agents140yr

Welcome to Ramey King Insurance Agency! We're an independent insurance agency located in Texas. Our team is dedicated to providing quality service and coverage by listening to your needs.

AutoBoatCommercial GLCommercial Property+3 more
Carriers: AGCS Marine Insurance Company, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +93
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HL

Hermes Insurance Solutions LLC

Sanger, TX· 9.1 mi
Agency
20+ agents25yr

Hermes Insurance Solutions LLC is a locally owned independent agency serving Sanger, Muenster and surrounding North Texas communities. With over 25 years of experience, they help clients find auto, home, life, commercial and other insurance policies tailored to their needs. Their focus is on long‑lasting relationships and personalized service.

AutoHomeownersRentersCommercial GL+4 more
Carriers: American Economy Insurance Company, American Modern Property and Casualty Insurance Company, Dairyland County Mutual Insurance Company of Texas +29
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RH

Roxanne Haug - State Farm Insurance Agent

Sanger, TX· 8.8 mi
Agency
Very Popular
6+ agents12yr

Roxanne Haug State Farm Agent office in Sanger, Texas, serving individuals, families, and businesses across Sanger, Krum, Valley View, Denton and surrounding areas. Licensed in Texas and Oklahoma with over two decades of experience and operating since 2014.

AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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LI

La Familia Auto Insurance

Denton, TX· 9.4 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance offers auto, homeowners, renters, and commercial insurance, emphasizing affordable, reliable coverage for all. They serve the community with bilingual representatives and have been operating for over a decade.

Spanish
AutoCommercial GLHomeownersRenters+1 more
Carriers: Bravo General (in-house MGA), GAINSCO, Progressive County Mutual +4
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DG

D3 Insurance Group - Denton

Denton, TX· 11.8 mi
Agency
Popular
20+ agents

D3 Insurance Group is a new company, but do not let that fool you. Our combined experience of over 45 years is second to none. Our passion for knowing our clients on a personal level, combined with our D3 process, is unique to the insurance industry.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Carriers: Geico, Dairyland, Allstate +11
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CI

Century Insurance Agency, Inc

Denton, TX· 13.7 mi
Agency
Very Popular
10+ agents30yr

Century Insurance Agency, founded in 1996, is a full‑service independent insurance agency serving Texas with a network of 25 leading carriers. They offer personalized service through three Dallas‑area locations, matching clients with the right coverage for personal and commercial needs. Their focus is on quality, integrity, and superior service for individuals and businesses alike.

AutoBoatCommercial GLFarm+5 more
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SI

Sanchez Insurance

Denton, TX· 9.9 mi
Agency
10+ agents29yr

Sanchez Insurance has been serving the community since 1997, helping customers find affordable auto, home, life, and commercial coverage. Their staff assists with quoting, policy selection, and ongoing service, emphasizing personalized assistance and respect. They highlight a commitment to saving customers time and money.

Spanish
AutoCommercial GLHomeownersLife+3 more
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BI

Bigham Insurance

Argyle, TX· 12.8 mi
Agency
20+ agents13yr

Bigham Insurance has been serving Texas clients since 2013, offering personalized insurance solutions. Their agents specialize in auto, home, life, and commercial coverage, emphasizing individualized service for families and businesses.

AutoCommercial GLHomeownersLife+2 more
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FS

Fiesta Auto Insurance & Tax Service

Denton, TX· 9.5 mi
Agency
Very Popular
6+ agents

NOW IS THE TIME FOR YOU TO CHANGE TO FIESTA! Our team of insurance and tax professionals can help your family, offering coverage for auto, home, business, rental property, boat, and motorcycle along with personal and business tax services. At Fiesta we treat you like family!

Spanish
AutoBoatCommercial GLCommercial Property+4 more
Carriers: Progressive County Mutual, Pronto Insurance (affiliate), Infinity (Kemper) +3
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CG

CeBallos Insurance Group

Sanger, TX· 9.1 mi
Agency
No reviews yet
10+ agents

CeBallos Insurance Group helps consumers save money, businesses reduce risk, and families protect their future. Serving Sanger and surrounding Texas communities, the agency offers a wide range of personal and commercial insurance solutions.

AutoBoatCommercial GLEarthquake+6 more
Carriers: AmGUARD Insurance Company, American Modern Property and Casualty Insurance Company, ENCOMPASS HOME AND AUTO INSURANCE COMPANY +4
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TT

Trinity Title of Texas

Argyle, TX· 13.2 mi
Agency
10+ agents

Trinity Title of Texas is a trusted leader in the real‑estate industry, providing title and escrow services for home purchases across Texas. They emphasize professionalism, clear communication, and a smooth closing process for both agents and homebuyers.

AutoCommercial GLHomeownersRenters+1 more
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BA

Brightway Insurance, The Grunor Agency

Denton, TX· 13.1 mi
Agency
20+ agents

The Grunor Agency is a local Brightway insurance team in Denton, TX that simplifies insurance by offering multiple quotes from various carriers for personal and business coverage.

AutoBoatCommercial GLFlood+4 more
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AI

A-MAX Auto Insurance

Denton, TX· 9.5 mi
Agency
6+ agents

A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

Spanish
AutoBoatCommercial GLCommercial Property+3 more
Carriers: Progressive County Mutual, Direct Auto Insurance, Mercury Insurance +4
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HL

Hutcherson Insurance Group, LLC

Denton, TX· 10.6 mi
Agency
New on InsurConnect
10+ agents

Hutcherson Insurance Group LLC is an independent agency serving the Denton area and the state of Texas. They provide a range of personal insurance products such as auto, homeowners, life, health, motorcycle, boat, flood and renters coverage, as well as commercial lines like liability, commercial property and umbrella. The agency emphasizes a dedicated team of agents to help customers save money.

AutoHomeownersLifeMotorcycle+7 more
Carriers: Ace American Insurance Company, Aetna Dental Inc., Aetna Health Inc. +52
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WI

Wade Hunt Insurance

Denton, TX· 10.5 mi
Agency
Popular
6+ agents

Wade Hunt Insurance is an independent agency specializing in auto, homeowners, life, and business insurance across Denton and the rest of Texas. Their focus is helping customers find the best coverage at affordable rates, emphasizing personalized service and peace of mind.

AutoCommercial GLHomeownersLife+2 more
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +94
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FI

Freeway Insurance

Denton, TX· 10.1 mi
Agency
Very Popular
3-5 agents

Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, motorcycle, and boat coverage. It serves customers in all 50 U.S. states through its network of retail stores.

Spanish
AutoBoatCommercial GLHomeowners+3 more
Carriers: Confie (parent MGA), Progressive County Mutual, National General +3
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FG

Freedom Insurance Group - Auto & Home Insurance

Argyle, TX· 12.5 mi
Agency
Popular
6+ agents

Freedom Insurance is an independent agency that helps clients find the best auto, home, business, landlord, and commercial auto insurance coverage by shopping from over 25 insurers. Their goal is to educate clients, maximize benefits within budgets, and act as advocates without being tied to a single insurer.

AutoCommercial GLFloodHomeowners+2 more
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AI

ALPA Insurance

Denton, TX· 10.0 mi
Agency
3-5 agents15yr

ALPA Insurance offers quick, simple, commitment‑free insurance solutions in Texas, serving over 50 locations for 15 years. They provide multiple lines such as auto, motorcycle, renters, homeowners, commercial, SR‑22 and surety bonds, and serve English‑ and Spanish‑speaking customers.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+3 more
Carriers: Progressive, Dairyland (Sentry), GAINSCO +3
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RS

Ricardo Sempertegui - State Farm Insurance Agent

Denton, TX· 8.9 mi
Agency
Very Popular
1-2 agents16yr

Ricardo Sempertegui, a State Farm Insurance Agent in Denton, TX, has served the community since 2010, offering auto, home, life, and business coverage. The agency is bilingual in English and Spanish and serves surrounding areas.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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SN

Stability Insurance Old North

Denton, TX· 12.2 mi
Agency
New on InsurConnect
10+ agents

Best Coat Insurance offers personal and commercial insurance with a low‑pressure approach, focusing on cost‑effective solutions and extensive discounts. They serve individuals and businesses across a range of coverages, emphasizing independent representation to find the best options.

AutoHomeownersRentersCommercial GL+7 more
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RI

Ryan Everet Insurance - Independent Agency

Denton, TX· 10.7 mi
Agency
Very Popular
1-2 agents

Ryan Everet Insurance Agency is an independent agency in Denton offering a range of personal and commercial insurance options. Their mission is to make doing business easy while providing a fun, informative experience so customers can make the best protection decisions.

AutoBoatCommercial GLHomeowners+4 more
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +80
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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.