Homeowners Insurance in Luling, 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.
22 homeowners insurance agencies in Luling
Within 15 miles of Luling, 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.
Texas Trusted Insurance Agency is an independent insurance agency offering a wide range of coverage including auto, homeowners, commercial, life, and health insurance. They also provide bonds, permits, and special event coverage, with a focus on the oil & gas industry. The agency emphasizes competitive pricing and tailored protection programs for clients.
Bruce Germer Insurance Agency is a locally owned insurance provider in Lockhart, TX offering auto, home, life, farm, flood, and recreational insurance. With over four decades of experience they partner with carriers such as Progressive, DiaryLand, and Foremost Insurance and emphasize personalized service and client satisfaction.
Jennifer Ochoa is a Farmers Insurance agent in Lockhart, Texas, offering auto, home, renters, life, and business insurance.
The Insurance Team is independently owned, family‑run and locally operated in Lockhart, Texas. Our agents collectively have over 100 years of experience in the insurance industry. We are committed to finding you and your family competitive rates with accurate coverage that is unique to your insurance needs.
Germer Insurance Services is a family of independent insurance agencies operating in Bastrop, Lockhart, and San Marcos, offering personalized insurance solutions. The owners, Gary Germer Jr. and Greg Germer, emphasize diligent, honest, and ethical service to match clients with the right products.
Rebecca Pulliam is a local State Farm Insurance Agent serving Lockhart and surrounding areas. She has been a State Farm Agent since 2013 and offers Auto, Homeowners, Renters, Life, Business, and other insurance services. She is active in the community and holds a ChFC designation.
Low Cost Insurance is an independent agency serving Lockhart and all of Texas since 2003, offering auto, home, motorcycle and other specialty insurance products. They provide flexible coverage options, online quoting, and 24/7 personal support.
Fred Loya Insurance is a Texas‑based agency offering auto insurance across 12 states with over 800 offices. They provide same‑day coverage, multiple discounts, and a full range of auto coverages such as liability, comprehensive, collision, medical and roadside assistance.
Primerica is a financial services firm that helps middle‑income families with term life insurance, auto and home insurance referrals, and other investment and protection products. Established in 1977, the company emphasizes financial education and planning for the future. It operates nationwide in the U.S. and Canada with a network of licensed representatives.
Steven Funk is an Allstate insurance agent in Lockhart, TX offering a range of products including auto, home, renters, condo, motorcycle, boat and life insurance. He serves Lockhart and surrounding communities, providing quotes and appointments to help customers protect their assets.
Licensed insurance agency in Lockhart, TX; represents 1 carrier.
Licensed insurance agency in Lockhart, TX; represents 1 carrier.
Licensed insurance agency in Lockhart, TX; represents 1 carrier.
Licensed insurance agency in Luling, TX; represents 83 carriers.
Licensed insurance agency in Luling, TX; represents 15 carriers.
Licensed insurance agency in Fentress, TX; represents 1 carrier.
Licensed insurance agency in Lockhart, TX; represents 26 carriers.
Licensed insurance agency in Lockhart, TX; represents 2 carriers.
Licensed insurance agency in Lockhart, TX; represents 2 carriers.
Licensed insurance agency in Lockhart, TX; represents 7 carriers.
Licensed insurance agency in Martindale, 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.