Homeowners Insurance in Los Fresnos, 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 Los Fresnos
Within 15 miles of Los Fresnos, 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.
State Farm agent David Armendariz serves the Los Fresnos, TX area, offering a range of insurance products including auto, homeowners, renters, motorcycle, boat, life and disability coverage. The agency emphasizes personalized bundles and discounts to help customers save money.
Fred Loya Insurance provides auto insurance coverage across more than 800 offices in 12 states, offering instant quotes, same‑day policy issuance, and a variety of discounts to suit different budgets.
At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. Proudly serving the community, we specialize in auto, home, renters and business insurance. We offer access to more than 30 insurance companies to ensure you get the best protection at the lowest price.
Fiesta Auto Insurance provides auto, home, business, rental property, boat and motorcycle insurance plus personal and business tax services, targeting the Latino community. They offer free online quotes and a 24/7 phone line for assistance.
Licensed insurance agency in Brownsville, TX; represents 29 carriers.
Licensed insurance agency in Brownsville, TX; represents 29 carriers.
Licensed insurance agency in Brownsville, TX; represents 10 carriers.
Licensed insurance agency in Brownsville, TX; represents 12 carriers.
Rick Armendariz is a State Farm Agent in Brownsville, TX, serving the community since 2009. His bilingual team offers a range of insurance products, including auto, home, life, renters, and business coverage, helping individuals and families across Cameron County.
Licensed insurance agency in Los Fresnos, TX. Contact directly for available products and carriers.
Licensed insurance agency in Brownsville, TX; represents 4 carriers.
Licensed insurance agency in Brownsville, TX; represents 28 carriers.
State Farm is a nationwide insurance provider offering auto, home, renters, life, and business coverage. Founded in 1922, it serves millions of customers through over 19,000 agents and 96 million policies.
Michael De Los Santos, a bilingual State Farm agent, serves the San Benito community offering a wide range of insurance and financial services. He emphasizes guiding families through complex coverage options with personalized support. The agency highlights a strong local presence and commitment to customer protection.
Licensed insurance agency in Brownsville, TX; represents 18 carriers.
Fred Loya Insurance provides auto insurance coverage across 12 states with multiple discounts and same‑day policy issuance. The agency emphasizes quick online quotes, a large network of offices, and customer‑focused service.
Licensed insurance agency in Brownsville, TX; represents 24 carriers.
I Love My Health Plan (IA Agency) assists individuals and families with navigating Obamacare, Medicare, and life insurance options, providing personalized support and quotes.
Licensed insurance agency in Rio Grande City, TX; represents 52 carriers.
Iglesias Insurance Brokers is an independent agency offering auto, general liability, homeowners, commercial, life, and workers compensation solutions to individuals and businesses in Texas. They emphasize personalized service, a wide selection of carriers, and a commitment to building lasting relationships with clients.
Jennifer Villarreal is a Farmers Insurance agent serving San Benito, Texas, offering a range of coverage options including auto, homeowners, renters, and life insurance.
Licensed insurance agency in Los Fresnos, TX; represents 41 carriers.
Licensed insurance agency in Los Fresnos, TX. Contact directly for available products and 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.