Homeowners Insurance in Laredo, 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 Laredo, TX: 24 licensed insurance agencies serve 261,260 residents in Webb County. auto premiums average $2,220 per year — 19% below the Texas state average.
24 homeowners insurance agencies in Laredo
Within 15 miles of Laredo, 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.
Amtex Insurance provides affordable auto, home, and business coverage to Texas residents, emphasizing personal service and quick quotes. Founded over 25 years ago, the agency focuses on real‑people support and community involvement.
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.
NOW IS THE TIME FOR YOU TO CHANGE TO FIESTA! Our team of insurance and tax professionals can help your family. We offer insurance coverage for your auto, home, business, rental property, boat, motorcycle and a full suite of personal and business tax services, treating you like family.
Licensed insurance agency in Laredo, TX; represents 5 carriers.
Licensed insurance agency in Laredo, TX. Contact directly for available products and carriers.
Licensed insurance agency in Laredo, TX; represents 60 carriers.
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.
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 – all while delivering personalized service you can count on.
Licensed insurance agency in Laredo, TX; represents 9 carriers.
A-MAX Insurance is a community‑focused agency that compares quotes from over 35 carriers to provide affordable auto, home, renters, commercial and boat coverage, emphasizing personalized service and 24/7 roadside assistance.
Licensed insurance agency in Laredo, TX; represents 54 carriers.
Licensed insurance agency in Laredo, TX; represents 11 carriers.
South Texas Insurance Agency is a local agency based in Laredo, Texas, serving multiple locations across South Texas. Founded in 2006 by Rosie Castillo, the agency offers a range of insurance products including auto, motorcycle, home, commercial, life, and workers compensation.
Licensed insurance agency in Laredo, TX; represents 17 carriers.
Direct Auto agency in Laredo, Texas provides auto and term life insurance along with flexible payment options, SR‑22 filing, roadside assistance and collision coverage.
Licensed insurance agency in Laredo, TX; represents 48 carriers.
Licensed insurance agency in Laredo, TX; represents 3 carriers.
South Texas Insurance Agency is a local agency based in Laredo, Texas, founded in 2006 with additional offices in San Antonio and other Laredo locations. The owner, in the insurance industry since 1997, offers a range of products including auto, motorcycle, home, renters, commercial and life insurance. The agency emphasizes personalized service and competitive rates.
South Texas Insurance Agency is a local insurance agency based in Laredo, Texas. Founded in 2006 by Rosie Castillo, the agency has grown to multiple locations across Texas offering a range of personal and commercial insurance products. The team emphasizes personalized service and long‑term relationships with clients.
Licensed insurance agency in Laredo, TX; represents 1 carrier.
Licensed insurance agency in Laredo, TX; represents 35 carriers.
Licensed insurance agency in Laredo, TX; represents 11 carriers.
Licensed insurance agency in Laredo, TX; represents 36 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.