Homeowners Insurance in Lipan, 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.
10 homeowners insurance agencies in Lipan
Within 15 miles of Lipan, 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.
T & C Insurance Solutions provides affordable and comprehensive health insurance options, including major medical marketplace/ACA, Medicare, life, dental, vision, and critical illness plans, to individuals and families nationwide. Based in Granbury, Texas, the agency emphasizes personalized coverage and stress‑free service.
Bedgood Realty & Insurance Company is a real estate and insurance brokerage licensed in Texas and Hawaii. They have been active in the Texas real estate market since the mid‑1990s and offer insurance services to Hawaii residents since 2012.
Pruett Insurance Agency offers insurance and health‑related services including Medicare supplement plans, prescription coverage, long‑term care, and life insurance.
Licensed insurance agency in Granbury, TX. Contact directly for available products and carriers.
Licensed insurance agency in Granbury, TX. Contact directly for available products and carriers.
Licensed insurance agency in Dennis, TX; represents 7 carriers.
Licensed insurance agency in Tolar, TX; represents 24 carriers.
Licensed insurance agency in Tolar, TX; represents 45 carriers.
Licensed insurance agency in Millsap, TX; represents 17 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.