Homeowners Insurance in Live Oak, 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 Live Oak
Within 15 miles of Live Oak, 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.
Trutela Insurance offers auto, homeowners, life, and business insurance coverage, serving San Antonio and multiple states across the U.S. The agency emphasizes personalized service and a comprehensive portfolio of policies to protect clients' assets.
Independent Insurance Center, Inc. (IIC) is a Texas‑based independent agency with over 100 years of experience serving businesses and individuals. They offer personal and commercial insurance solutions, including property, auto, farm, boat and specialty coverage, backed by a team of experienced agents.
Welcome to Luis Corral State Farm Insurance! We are the State Farm team in Universal City, serving Texas with bilingual assistance in English and Spanish. The agency offers Auto, Homeowners, Renters, Business, Life, Boat, Motorcycle, and other insurance products and has been serving the community for over fifteen years.
Speedy Cash is a loan company offering payday, installment, title loans and other credit products since 1997, serving over 10 million customers across the United States.
Jennifer Hickman is a Farmers Insurance agent serving the San Antonio, Texas area, offering auto, home, renters, and life insurance solutions.
Acrisure is an insurance agency offering both business and personal insurance solutions, leveraging technology to connect clients with personalized coverage options. They serve individuals, small‑to‑mid‑size companies, and large enterprises across the United States.
Direct Auto insurance agency located at 5502 Walzem Rd in San Antonio, offering car insurance, term life insurance, roadside assistance, and SR-22 filings with flexible payment options.
Texas Tag and Title is a woman‑owned, family‑operated agency offering vehicle registration, title transfers, and related services across all 254 Texas counties. They provide online, drive‑thru, and virtual title clerk appointments for quick, convenient processing.
Rick Cantara is a State Farm insurance agent in Selma, Texas, serving Selma and nearby communities. The agency offers auto, homeowners, renters, life, health, business (general liability, workers' comp, commercial auto) and pet insurance. It has been operating for 22 years.
Sonya Daniels is a State Farm® insurance agent serving Live Oak, Texas and surrounding communities. She and her team provide a range of personal and business insurance solutions, including auto, homeowners, life, motorcycle and boat coverage. Their focus is on personalized plans that fit each client’s needs and budget.
The National Association of Insurance Commissioners (NAIC) supports state insurance regulators by setting standards, providing research, analytics, and consumer protection resources. It has been serving the public interest and strengthening insurance markets since 1871.
Licensed insurance agency in San Antonio, TX; represents 31 carriers.
Licensed insurance agency in Schertz, TX; represents 1 carrier.
Ben Zeitz State Farm Insurance Agency serves the entire state of Texas, focusing on Bexar, Guadalupe, Comal and Wilson Counties. Led by Ben Zeitz, who has been in the insurance industry since 2018, the agency offers auto, homeowners, renters, life, and business insurance among other products. The team emphasizes personalized service and has earned a 4.9/5 rating on Google.
John Delgado is a State Farm Agent in Universal City, Texas, serving the community since 1974. He offers a range of insurance products including auto, homeowners, renters, life, motorcycle and boat coverage, and provides service in English and Spanish.
Licensed insurance agency in San Antonio, TX; represents 20 carriers.
Rollo Insurance agents are dedicated to helping you build your American Dream, offering personalized insurance solutions and lasting relationships. They mix and match coverage from over 200 carriers to provide the best price and coverage for clients. The agency emphasizes trust, loyalty, and authentic relationships in serving their community.
Cindy Deschamps is an Allstate insurance agent in Schertz, Texas offering a range of personal insurance products including auto, home, renters, motorcycle, and life coverage. She serves the local community with a 4.4 rating based on over 600 reviews.
Steven Garza Insurance Agency is a State Farm agency in Schertz, Texas serving Schertz, Cibolo, Selma and surrounding areas since 2018. The team offers a range of insurance products and provides service in English and Spanish.
State Farm insurance agency led by Dan Hernandez offering auto, homeowners, renters, business, life, health and pet coverage. The team emphasizes personalized service, small‑business risk management, and community involvement in Universal City, Texas.
Lars Nielsen Insurance and Financial Services is a local State Farm agency in Converse, Texas, offering personalized insurance and financial services. Owner Lars Nielsen emphasizes transparent, customized coverage for homes, vehicles, families, and businesses in the Bexar County area.
Nate Obregón is a State Farm insurance agent in Schertz, Texas, offering auto, homeowners, life, and business insurance. With over 15 years of financial‑services experience, he founded his agency in 2020 and serves English‑ and Spanish‑speaking communities across the region.
Bill Hicks State Farm Insurance serves Schertz, Texas and surrounding areas, offering auto, home, life, renters, condo, motorcycle, RV, boat and business insurance. With over 31 years of experience as a local State Farm agent, Bill Hicks and his team provide personalized insurance and financial services to individuals and small businesses.
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.