Homeowners Insurance in Lampasas, 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.
9 homeowners insurance agencies in Lampasas
Within 15 miles of Lampasas, TX. Click any agency to view profile, contact info, and request a quote.
Texas Farm Bureau Insurance - Jeff Rutland
Licensed insurance agency in Lampasas, TX; represents 5 carriers.
Pratus Insurance Services, Inc.
Trusted insurance solutions in Lampasas and Burnet, offering a range of personal and commercial insurance products. The agency emphasizes personalized service, quality coverage, and strong relationships with top insurance carriers.
Farmers Insurance- Jason Garner
Licensed insurance agency in Lampasas, TX; represents 1 carrier.
Russell Dixon - State Farm Insurance Agent
I have enjoyed serving the Lampasas community as a State Farm agent since 2009. My office focus has always been to take care of the customer and offer exceptional customer service!
Diversified Insurance Brokerage Services
Diversified Insurance Brokerage Services, founded in 1985 in Lampasas, Texas, provides a range of insurance solutions to consumers, businesses, and families across Texas. They aim to help clients save money, reduce risk, and protect their financial future.
Rollo Insurance
Rollo Insurance is a network of local agents dedicated to helping clients achieve their financial goals through personalized insurance solutions. They emphasize trust, loyalty, and long‑term relationships while offering a range of coverages from auto and home to business, farm, and life insurance.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Lampasas, TX; represents 1 carrier.
Texas Farm Bureau Insurance - Clay Phillips
Licensed insurance agency in Lampasas, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance: Colleen Eckermann
Licensed insurance agency in Lampasas, TX. Contact directly for available products and 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.