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Homeowners Insurance in La Joya, 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 La Joya

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

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 375.1 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +21-2 agents
A Listed
A-MAX Auto Insurance
4.4 · <100 reviews on Google

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. It makes it easy to find affordable protection for cars, homes, roadside assistance and more while delivering personalized service.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Penitas, TX· 1.0 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +51-2 agents
View profile
P Listed
Pronto Insurance
4.3 · <100 reviews on Google

Pronto Insurance provides affordable, fast, and reliable coverage across Texas, specializing in auto, home, renters, and business insurance. They serve the community with access to over 30 insurance companies to secure the best protection at low prices.

AutoBoatCommercial GLCommercial Property+4 moreSpanish
Penitas, TX· 1.1 mi
Carriers: Pronto Lloyds / Pronto Casualty, Progressive +81-2 agents
View profile
F Listed
Fred Loya Insurance
4.7 · <100 reviews on Google

Fred Loya Insurance provides auto insurance across 12 U.S. states with over 800 offices, offering immediate coverage, no‑credit‑check policies, and multiple discounts such as multi‑car and good‑driver savings.

AutoCommercial GLHomeownersRenters+1 more
Penitas, TX· 0.9 mi
Carriers: Loya Casualty Insurance Company, Young America Insurance Company1-2 agents
View profile
D Listed
Dalet Insurance Agency
4.6 · <100 reviews on Google155 yrs in business

The National Association of Insurance Commissioners (NAIC) supports state insurance regulators by setting standards, providing research, and coordinating regulatory efforts to protect consumers and promote stable insurance markets.

AutoCommercial GLHomeownersRenters+1 more
Penitas, TX· 2.7 mi
Carriers: GEICO County Mutual Insurance Company, GEICO Texas County Mutual Insurance Company +11-2 agents
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R Listed
Ruben F. Solis Jr. - State Farm Insurance Agent
3.8 · <100 reviews on Google22 yrs in business

Ruben F Solis Jr. is a dedicated State Farm agent who has served the La Joya community for over two decades. He provides a range of personal and business insurance solutions and is known for strong customer service and community involvement.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Penitas, TX· 1.2 mi
Carriers: State Farm1-2 agents
View profile
F Listed
Fred Loya Insurance
4.8 · <100 reviews on Google

Fred Loya Insurance offers auto insurance with various coverage options and discounts, emphasizing quick quotes and personalized service.

AutoCommercial GLHomeownersRenters+1 more
Penitas, TX· 3.3 mi
Carriers: Loya Casualty Insurance Company, Young America Insurance Company1-2 agents
View profile
P Listed
Pronto Insurance
4.8 · <100 reviews on Google

At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. Proudly serving the community, we specialize in auto, home, renters and business insurance. We offer access to more than 30 insurance companies to ensure you get the best protection at the lowest price.

AutoBoatCommercial GLHomeowners+3 moreSpanish
Mission, TX· 6.6 mi
Carriers: Pronto Lloyds / Pronto Casualty, Progressive +81-2 agents
View profile
P Listed
Precision notary & services
10 yrs in business

Linktree is a link‑in‑bio platform that lets creators, influencers and small businesses share, sell, and grow across multiple social media channels from a single customizable URL. It offers analytics, monetisation tools, and QR code integration to streamline audience engagement.

AutoCommercial GLHomeownersRenters+1 more
Penitas, TX· 5.2 mi
License on file (TDI)
View profile
S Listed
Saenz Insurance Brokers
4.8 · <100 reviews on Google15 yrs in business

Saenz Insurance Brokers is a family‑owned agency offering auto, home, life and commercial insurance solutions throughout Texas. With over 15 years of experience, they simplify the insurance process by leveraging a broad network of carriers and focus on personalized, attentive service for their clients.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Mission, TX· 11.0 mi
Carriers: AllState, Progressive +2
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R Listed
Raymond Longoria Insurance
4.9 · 100+ reviews on Google

Raymond Longoria Insurance is a full‑service independent agency headquartered in Mission, Texas, serving the Rio Grande Valley and surrounding areas. They offer personal insurance (auto, home, renters, boat), commercial coverage for businesses and farms, and Medicare options, emphasizing local service and flexible carrier choices. Their mission is to simplify insurance and provide personalized, trustworthy guidance.

AutoBoatCommercial GLCommercial Property+4 more
Mission, TX· 10.8 mi
Carriers: Cypress Property & Casualty Insurance Company, GEICO County Mutual Insurance Company +11-2 agents
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P Listed
Primerica
48 yrs in business

Primerica is a financial services agency that educates families and offers term life insurance, auto and homeowners insurance, investments, and debt‑solution programs to help clients achieve financial security.

AutoCommercial GLHomeownersLife+2 more
Penitas, TX· 6.3 mi
Carriers: Primerica Life Insurance Company, National Benefit Life Insurance Company1-2 agents
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E Listed
e&e Insurance Agency
4.8 · <100 reviews on Google16 yrs in business

E&E Insurance Agency is a local, multi‑line insurance agency serving South Texas since 2010. They help families and individuals find personal and business coverage by shopping multiple providers on their behalf. Their mission is to provide the best service and a wide range of affordable plans.

AutoCommercial GLHomeownersLife+2 more
Mission, TX· 12.7 mi
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Texas Inc. +341-2 agents
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G Listed
Gosa Insurance Advisors LLC
4.8 · <100 reviews on Google

Licensed insurance agency in Penitas, TX; represents 9 carriers.

AutoCommercial GLHomeownersRenters+1 more
Penitas, TX· 3.2 mi
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, Aetna Better Health of Texas Inc. +71-2 agents
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A Listed
A-MAX Auto Insurance
4.5 · 100+ reviews on Google

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 while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Mission, TX· 10.8 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +51-2 agents
View profile
D Listed
Direct Auto Insurance
4.6 · <100 reviews on Google

Direct Auto is an insurance agency located at 217 N Conway Ave in Mission, Texas, offering car insurance, term life insurance and related services. They provide flexible payment options and serve English and Spanish speaking customers.

AutoCommercial GLHomeownersLife+2 moreSpanish
Mission, TX· 10.9 mi
Carriers: Direct Auto, Direct General Life Insurance Company +11-2 agents
View profile
F Listed
Freeway Insurance
4.8 · <100 reviews on Google

Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, life, and business coverage. They provide online quotes and phone support through toll‑free numbers for customers across the United States.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Mission, TX· 10.6 mi
Carriers: Confie (parent MGA), Progressive County Mutual +41-2 agents
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S Listed
Sergio Pena - State Farm Insurance Agent
4.8 · <100 reviews on Google19 yrs in business

Sergio Pena State Farm serves the Mission, Texas community offering a full range of insurance products. With over 15 years of experience and an agency opened in 2007, the team focuses on auto, home, renters, life, motorcycle and boat coverage. They emphasize personalized service and community involvement.

AutoBoatCommercial GLHomeowners+4 moreSpanish
Mission, TX· 11.8 mi
Carriers: State Farm1-2 agents
View profile
P Listed
Pronto Insurance
4.6 · <100 reviews on Google

At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. Proudly serving the community, we specialize in auto, home, renters and business insurance. We offer access to more than 30 insurance companies to ensure you get the best protection at the lowest price.

AutoBoatCommercial GLCommercial Property+5 more
Mission, TX· 10.9 mi
Carriers: Pronto Lloyds / Pronto Casualty, Progressive +81-2 agents
View profile
J Listed
Jerry Saenz - State Farm Insurance Agent
4.7 · <100 reviews on Google52 yrs in business

Jerry Saenz is a State Farm insurance agent serving Mission, TX, offering a range of personal and business insurance products including auto, homeowners, renters, life, motorcycle, and commercial coverage. The agency provides online quotes, billing, and claims support, and serves English and Spanish speaking customers.

AutoCommercial GLHomeownersLife+3 moreSpanish
Mission, TX· 10.8 mi
Carriers: State Farm1-2 agents
View profile
I Listed
Iglesias Insurance Mission
4.5 · <100 reviews on Google

Iglesias Insurance Brokers is an independent agency serving Texas, offering auto, homeowners, renters, commercial, life and workers compensation insurance. They emphasize personalized service, a wide range of carrier options, and a commitment to building lasting relationships with customers.

AutoCommercial GLCommercial PropertyFlood+4 more
Mission, TX· 10.9 mi
1-2 agents
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F Listed
Fred Loya Insurance
4.4 · <100 reviews on Google

Fred Loya Insurance provides auto insurance across 12 states, offering same‑day coverage, no‑credit‑check policies, and multiple discounts such as multi‑car and good‑driver savings. The agency emphasizes fast online quotes and a large network of local offices.

AutoCommercial GLHomeownersRenters+1 more
Mission, TX· 10.8 mi
Carriers: Loya Casualty Insurance Company, Young America Insurance Company1-2 agents
View profile
T Listed
Tannya Lopez: Allstate Insurance
4.9 · 100+ reviews on Google

Tannya Lopez leads an Allstate agency in Mission, TX that focuses on building long‑term relationships by offering personalized insurance solutions. The agency provides a wide range of products and bilingual service in English and Spanish to meet the community’s needs.

AutoHomeownersRentersMotorcycle+4 moreSpanish
Mission, TX· 13.2 mi
Carriers: Allstate1-2 agents
View profile
F Listed
Fred Loya Insurance
4.4 · <100 reviews on Google

Fred Loya Insurance offers auto insurance across 12 states with multiple discount options and same‑day coverage. The agency emphasizes personalized service through local agents and a large network of offices.

AutoCommercial GLHomeownersRenters+1 more
Mission, TX· 11.0 mi
Carriers: Loya Casualty Insurance Company, Young America Insurance Company1-2 agents
View profile

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.

Homeowners insurance in other Texas cities

Other insurance types in La Joya