Homeowners Insurance in Livingston, 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 Livingston
Within 15 miles of Livingston, 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.
Licensed insurance agency in Katy, TX; represents 2 carriers.
Bradley Welborn is a State Farm insurance agent serving Livingston and surrounding Southeast Texas areas. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance along with business and financial services. They provide English and Spanish support and have been in business since 1982.
FARMCO Insurance is an independent agency in Livingston, TX offering auto, homeowners, life, and farm & ranch insurance. With over 25 years of experience, the agency emphasizes personalized service and free consultations.
Porter, New Caney, Shepherd & Livingston Insurance Agency has been serving the local community since 1979, offering auto, home and commercial insurance. They focus on finding affordable coverage by shopping the market for the best rates and provide bilingual service in English and Spanish.
First Community Insurance Group has been a vital part of Texas since 1919, offering a range of personal and commercial insurance options. Their experienced team focuses on understanding client needs and providing service that aligns with community values. They emphasize relationship‑building and invite customers to experience their friendly, knowledgeable approach.
State Farm agent Christopher Scott has 23 years of experience delivering personalized insurance solutions across auto, home, life, business and more to Texas customers. He emphasizes value, proper coverage, and ongoing service, earning a 4.7/5 rating on Google.
The Livingston, Texas office of HUB International, formerly ANCO Insurance, provides business, employee benefits, and industry‑specific insurance solutions such as agribusiness, construction, and transportation coverage, leveraging local expertise and the resources of a global brokerage.
Carrell Insurance is an independent agency serving its community since 1975, offering personalized service and a commitment to local residents. They provide a range of insurance options, from auto and home to commercial and life coverage, working with multiple carriers to find the best fit. The agency emphasizes a family‑first approach and strives to make the insurance process stress‑free.
Carter Insurance is a local independent insurance company serving Livingston, TX and surrounding areas. Their agents provide auto, homeowners, life, and commercial insurance options to meet a variety of customer needs.
Licensed insurance agency in Livingston, TX; represents 1 carrier.
Licensed insurance agency in Livingston, TX; represents 1 carrier.
Licensed insurance agency in Livingston, TX; represents 8 carriers.
Licensed insurance agency in Livingston, TX. Contact directly for available products and carriers.
Licensed insurance agency in Livingston, TX. Contact directly for available products and carriers.
Licensed insurance agency in Livingston, TX; represents 35 carriers.
Licensed insurance agency in Livingston, TX; represents 129 carriers.
Licensed insurance agency in Livingston, TX; represents 33 carriers.
Licensed insurance agency in Livingston, TX; represents 2 carriers.
Licensed insurance agency in Livingston, TX; represents 3 carriers.
Licensed insurance agency in Livingston, TX; represents 7 carriers.
Licensed insurance agency in Livingston, TX; represents 3 carriers.
Licensed insurance agency in Livingston, TX; represents 36 carriers.
Licensed insurance agency in Livingston, TX; represents 1 carrier.
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.