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Homeowners Insurance in Lancaster, 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 Lancaster

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

EA

Ernie Williams Insurance Agency

Desoto, TX· 4.7 mi
Agency
Popular
10+ agents15yr

Ernie Williams Insurance is an independent agency serving Texas since 2011, with offices in DeSoto and Palestine. They offer a range of personal and commercial insurance products and emphasize personalized service.

AutoCommercial GLCommercial PropertyHomeowners+3 more
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PC

Premier Cover Insurance Co.

Lancaster, TX· 1.4 mi
Agency
20+ agents

Allstate provides insurance and protection solutions, emphasizing peace of mind and confidence for customers facing life’s challenges. They offer a range of products from home and auto coverage to device and identity protection.

AutoCommercial GLHomeownersRenters+1 more
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LI

La Familia Auto Insurance

Desoto, TX· 2.8 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance provides auto, homeowners, renters, and commercial insurance with a focus on affordable, reliable coverage and bilingual customer service. Founded in 2010, they have 15 years of experience serving the Texas community.

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

Red Gorman Insurance

Dallas, TX· 6.1 mi
Agency
Very Popular
10+ agents

Red Gorman Insurance is a local agency that provides auto and commercial truck insurance with a strong emphasis on personalized customer service and quick quoting. The office is noted for friendly agents who help clients find competitive rates and handle payments efficiently.

AutoCommercial GLHomeownersRenters+1 more
Carriers: ACCC Insurance Company, ANCHOR GENERAL INSURANCE COMPANY, Agricultural Workers Mutual Auto Insurance Company +31
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FI

Farmers Insurance - Louis Taylor

Lancaster, TX· 1.2 mi
Agency
10+ agents

Licensed insurance agency in Lancaster, TX; represents 17 carriers.

AutoCommercial GLHomeownersLife+2 more
Carriers: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Insurance Exchange +14
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CI

CINCO Auto Insurance

Dallas, TX· 7.2 mi
Agency
Very Popular
10+ agents

Cinco Auto Insurance offers a full range of auto, homeowners, renters, and commercial insurance solutions across more than 900 Texas cities. Their bilingual agents provide personalized service, competitive rates, and fast coverage for customers with any credit profile.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
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AI

A.J. Martin Insurance

Desoto, TX· 4.4 mi
Agency
New on InsurConnect
20+ agents

AJ Martin Insurance is an independent agency that partners with numerous insurance carriers to find the best coverage and price for each client. They emphasize a personal touch and aim to simplify the process of securing auto, home, renters, commercial property, and motorcycle insurance. The agency highlights its commitment to saving customers time and money.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Carriers: Alinsco, Aspen, Bristol West +6
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FS

Fry Integra Insurance Services

Duncanville, TX· 7.7 mi
Agency
20+ agents35yr

Fry Integra Insurance Services is a family‑owned agency serving the Dallas‑Fort Worth suburbs for over 35 years. It specializes in commercial insurance such as general liability, contractor, workers’ compensation, builders risk and commercial umbrella coverage. The agency emphasizes hands‑on service, education and appreciation of its clients' personal and business needs.

AutoCommercial GLHomeownersRenters+1 more
Carriers: Addison Insurance Company, American General Life Insurance Company, American Modern Property and Casualty Insurance Company +21
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CI

CINCO Auto Insurance

Dallas, TX· 8.1 mi
Agency
Very Popular
10+ agents

Cinco Auto Insurance offers a range of insurance products including auto, homeowners, renters, and commercial general liability coverage, emphasizing competitive rates and personalized service through bilingual agents.

Spanish
AutoCommercial GLHomeownersRenters+1 more
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TI

True Choice Insurance

Desoto, TX· 4.8 mi
Agency
20+ agents

True Choice Insurance is an independent brokerage offering a range of insurance options, emphasizing product value over fear. Affiliated with over 60 carriers, it is among the largest independent agencies in Texas.

AutoCommercial GLHomeownersLife+2 more
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AI

A-MAX Auto Insurance

Desoto, TX· 1.3 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. It makes it easy to find affordable protection for cars, homes, roadside assistance and more while delivering personalized service.

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

GI Auto Insurance

Lancaster, TX· 2.6 mi
Agency
No reviews yet
10+ agents11yr

GI Auto Insurance, founded in 2015, serves Dallas‑Fort Worth and surrounding Texas communities with affordable auto, home, renters, and commercial coverage. They emphasize honest rates, personalized service, and a commitment to protecting customers like family.

Spanish
AutoCommercial GLHomeownersLife+3 more
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PR

Primerica

Desoto, TX· 4.8 mi
Agency
New on InsurConnect
10+ agents48yr

Primerica is a financial services company that helps families achieve financial security by offering education and a range of products such as term life insurance, auto and homeowners insurance, investments, and debt solutions. Their representatives provide complimentary Financial Needs Analyses to guide clients toward their financial goals.

AutoCommercial GLHomeownersLife+2 more
Carriers: National Benefit Life Insurance Company, Primerica Life Insurance Company, Primerica Life Insurance Company of Canada
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AI

A-Affordable has partnered with Freeway Insurance

Dallas, TX· 11.0 mi
Agency
Very Popular
10+ agents39yr

Freeway Insurance helps customers across all 50 states compare quotes from over 200 insurance carriers, offering affordable coverage for auto, motorcycle, renters, homeowners, SR‑22 and commercial vehicles. With more than 39 years of experience and bilingual agents, they aim to provide fast, personalized service both online and in‑store.

Spanish
AutoCommercial GLHomeownersMotorcycle+2 more
Carriers: Confie (parent MGA), Progressive County Mutual, National General +3
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CI

CINCO Auto Insurance

Dallas, TX· 9.7 mi
Agency
Very Popular
10+ agents

Cinco Auto Insurance offers a full range of auto, homeowners, renters, and commercial insurance solutions across Texas, emphasizing competitive rates, quick service, and bilingual agents who personalize coverage for each client.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
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LI

La Familia Auto Insurance

Duncanville, TX· 7.6 mi
Agency
Very Popular
6+ agents15yr

La Familia Insurance provides auto, home, renters, and commercial insurance, emphasizing affordable, reliable coverage and personalized service. Founded in 2010, the agency serves the community with bilingual representatives and has been operating for 15 years.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
Carriers: Bravo General (in-house MGA), GAINSCO, Progressive County Mutual +4
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AI

ALPA Insurance

Desoto, TX· 4.6 mi
Agency
Very Popular
3-5 agents15yr

ALPA Insurance offers quick, simple, no‑commitment coverage with bilingual service in English and Spanish. They serve Texas with over 50 locations and have been operating for about 15 years. The agency provides a range of products from auto to commercial insurance.

Spanish
AutoCommercial GLHomeownersMotorcycle+2 more
Carriers: Progressive, Dairyland (Sentry), GAINSCO +3
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HA

Hernandez Insurance Agency

Dallas, TX· 9.6 mi
Agency
Popular
10+ agents19yr

We are an insurance broker agency with more than 19 years of experience offering a one‑stop shop for home, auto, commercial auto, general liability, renters and life insurance, plus services like notary public, translations (English and Spanish), international bus tickets, income tax processing and free financial education.

Spanish
AutoCommercial GLFloodHomeowners+4 more
Carriers: Alinsco Insurance Company, AssuranceAmerica Insurance Company, Contractors Bonding and Insurance Company +8
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LI

L.A. Insurance

Duncanville, TX· 7.5 mi
Agency
Very Popular
6+ agents34yr

L.A. Insurance is an affordable insurance agency serving clients across the USA for over 33 years, offering auto, motorcycle, renters, boat, commercial auto and life insurance with low down payments and flexible payment plans.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Progressive County Mutual, National General, Foremost (Farmers) +5
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JR

Jennifer Reed - GEICO Insurance Agent

Desoto, TX· 2.9 mi
Agency
Very Popular
85yr

GEICO Insurance Agency, based in the Dallas‑Fort Worth area of Texas, offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage. Customers can obtain quotes online or contact agents for personalized assistance.

Spanish
AutoHomeownersRentersMotorcycle+6 more
Carriers: American Modern Insurance Group, Assurant, Jewelers Mutual Insurance Group
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LI

Leo's Auto Insurance

Duncanville, TX· 7.9 mi
Agency
Very Popular
6+ agents10yr

Leo’s Auto Insurance has over a decade of experience providing reliable, affordable coverage across 14+ locations. They partner with more than 35 carriers to offer over 140 plans, delivering personalized solutions for drivers and homeowners alike.

Spanish
AutoCommercial GLHomeownersMotorcycle+2 more
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LI

Lopez Auto Insurance

Balch Springs, TX· 11.0 mi
Agency
Very Popular
6+ agents15yr

Lopez Auto Insurance, founded in 2011, provides auto, homeowners, motorcycle and boat insurance throughout the Dallas/Fort Worth area. They emphasize quick, easy quotes, personalized customer service, and a range of coverage options. The agency highlights a decade of experience and a commitment to helping clients navigate insurance needs.

AutoBoatCommercial GLHomeowners+3 more
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PL

Prominent Insurance Agency LLC

Lancaster, TX· 1.6 mi
Agency
No reviews yet
20+ agents

Licensed insurance agency in Lancaster, TX; represents 41 carriers.

AutoCommercial GLHomeownersRenters+1 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, ASSURITY LIFE INSURANCE COMPANY, Accendo Insurance Company +38
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AI

Alexis Auto Insurance

Duncanville, TX· 8.0 mi
Agency
New on InsurConnect
20+ agents63yr

Amador Insurance is a family‑owned agency in Dallas, Texas, founded in 1963 and serving the Texas market for over 55 years. They provide auto, home, renters, commercial and specialty insurance and emphasize personalized customer service. The agency serves both English and Spanish speaking customers.

Spanish
AutoCommercial GLHomeownersMotorcycle+2 more
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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.

Homeowners insurance in other Texas cities

Other insurance types in Lancaster