Homeowners Insurance in Lubbock, 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 Lubbock, TX: 24 licensed insurance agencies serve 266,878 residents in Lubbock County. auto premiums average $1,780 per year — 2% below the Texas state average.
24 homeowners insurance agencies in Lubbock
Within 15 miles of Lubbock, 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, renters, and business insurance with a focus on quick, personalized service. Their agents emphasize local, face‑to‑face support and promise low rates by shopping multiple carriers. The agency highlights over 25 years of service and thousands of satisfied customers.
William Smith opened the Farmers Insurance – William Smith Agency in 2024 to provide clear, local guidance across Texas. He helps clients understand options for auto, home, life, renters, and business coverage and choose the right plans.
Direct Auto agency located inside Walmart in Lubbock, TX offering car insurance, term life insurance, roadside assistance, SR‑22 filing and collision coverage with flexible payment options.
Welcome to West Texas Insurance Agency! We are a multi-line agency offering competitive personal and commercial coverage throughout Texas. Our agency is staffed by proven insurance professionals committed to providing our clients with highly personalized service. Starting modestly as an insurance company in 1995, we have continued to deliver integrated insurance policies and today, we are recognized as a giant in the Texas insurance industry.
LSM Insurance Agency in Lubbock, Texas offers personal and commercial insurance solutions, comparing hundreds of carriers to find the best coverage and price. They provide auto, home, life, renters, and business insurance with a focus on integrity and client care.
Charles Short Insurance Agency Inc, founded in 1973 in Lubbock, Texas, offers personal and business insurance solutions. As an independent agency they represent multiple carriers and focus on tailoring coverage to each client’s needs. They provide a range of products from auto and homeowners to umbrella and flood insurance.
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 aims to provide affordable protection for cars, homes, roadside assistance and more with personalized service.
A-MAX Insurance is a community‑focused agency that helps customers compare auto, home, renters, boat and commercial coverage from more than 35 insurance carriers. They emphasize personalized service, quick quotes, and 24/7 roadside assistance.
Alan Henry Insurance has been serving its local community for over 70 years, offering personalized assistance to find the right coverage at the right price. Their knowledgeable staff works with many carriers to secure affordable auto, home, and motorcycle policies while providing responsive, compassionate service.
Acceptance Insurance provides a wide range of insurance products including auto, homeowners, renters, life, motorcycle, and boat coverage, as well as business and health insurance options.
Agency4RED helps Texas residents understand and choose Medicare benefits, offering guidance through each step of the enrollment process. Their licensed insurance consultants work to find the best Medicare Advantage, Supplement, and drug plans for clients across the state.
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.
Licensed insurance agency in Lubbock, TX; represents 6 carriers.
Alliance Insurance Agency serves Lubbock, TX and the surrounding West Texas area, offering personal and commercial insurance solutions. The agency highlights its experienced, reliable team and focuses on finding the best coverage for families and businesses.
All Write Insurance Agency serves Lubbock and surrounding Texas areas, offering a range of policies for individuals with limited credit or driving history. They emphasize friendly service and building customized coverage portfolios from various risk protection options.
Freeway Insurance offers a variety of insurance products such as auto, homeowners, renters, motorcycle, boat, and life coverage, and serves customers across all 50 U.S. states.
Hettler Insurance Agency in Lubbock, Texas provides auto, home, business, life, and health insurance with personalized service. With over 30 years in business they offer a wide range of coverage options and work with multiple carriers to find the best policies for clients.
Licensed insurance agency in Lubbock, TX. Contact directly for available products and carriers.
Budget Insurance Texas is a local insurance agency serving Lubbock and Amarillo, Texas, offering auto, home, and motorcycle coverage. They provide free quotes online and operate weekdays 9 am‑6 pm.
Licensed insurance agency in Lubbock, TX; represents 21 carriers.
Licensed insurance agency in Lubbock, TX. Contact directly for available products and carriers.
Bledsoe Insurance is an independent agency located in Lubbock, TX offering residential, commercial and life insurance solutions with affordable rates and personalized service. Since 1975 they have helped West Texas families and businesses protect their homes, vehicles and businesses through a variety of carriers.
Weston Taylor Insurance is an independent, locally‑owned agency offering property, auto, and commercial insurance. They emphasize personalized customer service and aim to protect families and businesses alike.
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.