Homeowners Insurance in Midland, 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 Midland
Within 15 miles of Midland, 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.
A&S Elite Insurance is the trusted insurance agency in Midland, TX for tailored solutions. As a leading independent agency, we partner with top‑rated carriers to protect your assets while treating you like family.
Freeway can support all your insurance needs in all 50 U.S. States.
Marsh McLennan Agency provides insurance, employee benefits and retirement solutions, emphasizing a limitless future for its clients. The firm highlights its specialist expertise and a client‑focused approach across a range of risk areas.
Acceptance Insurance provides a wide range of insurance products including auto, homeowners, renters, life, motorcycle, and boat coverage, serving customers across Texas. They offer a contact number (877‑405‑7102) for quotes and have an online location finder.
An independent insurance agency proudly serving the Permian Basin community and businesses since 1976. We specialize in commercial and personal insurance solutions, offering a full range of products to protect individuals and companies.
Freeway Insurance offers a wide range of insurance products across all 50 U.S. states, including auto, homeowners, renters, life, motorcycle and boat coverage. Their website provides tools to get quotes online or by phone and helps locate nearby offices.
Darrell Orr is a State Farm insurance agent serving the Midland, Texas area since 2019. The agency offers a range of products including auto, homeowners, renters, boat, motorcycle, life, health, disability and business insurance, as well as financial services. They emphasize personalized service and community values.
Yorkman & Associates is an independent insurance and tax service agency founded in 1991, serving Midland and all of Texas with auto, home, commercial and life insurance solutions.
Lara Sandlin is a State Farm® insurance agent serving Midland and Andrews, Texas, with over 25 years of experience. The agency offers a range of products including auto, homeowners, renters, life, motorcycle and boat insurance, and provides 24‑hour after‑hours service.
Area Insurance Services is an independent agency serving the Midland/Odessa region of West Texas for over 30 years. They compare coverage and prices from multiple carriers to provide auto, home, and business insurance. Their focus is on finding the right coverage at the right price.
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 makes it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
Killebrew Insurance LLC is a family‑owned independent agency serving the Permian Basin since 1974, offering auto, homeowners, renters and business insurance through multiple carriers in Midland, Odessa and Lubbock.
Albin & Associates Insurance is a family‑owned agency located in Midland, Texas, serving the Permian Basin since 1985. They provide personal insurance products such as auto, home, boat and motorcycle coverage.
Abraham Gutierrez is a State Farm agent in Midland, Texas, serving the community since 1998. The agency offers a range of personal insurance products including auto, home, renters, life, motorcycle and boat coverage, and emphasizes a personal touch and bilingual service.
Johnny Johnson Insurance provides auto, home, life, commercial & business insurance in Midland and throughout Texas. The agency is known for friendly customer service and personalized guidance.
Eddy Ohlenburg is a State Farm agent in Midland, Texas, offering a range of personal and business insurance solutions. The agency emphasizes bilingual service for English and Spanish‑speaking customers and highlights over 55 years of experience in the community.
Ledford Insurance Agency, based in Midland, Texas, provides auto, home, commercial, boat, flood, life, motorcycle, and umbrella insurance coverage to Texas residents. They help clients find tailored policies and are committed to assisting when needed.
Mike Lively Agency LLC provides business and personal insurance services throughout Midland, Odessa and the state of Texas. The agency emphasizes friendly customer service and personalized coverage solutions.
Dustin Ptak Insurance is an independent Texas agency offering personal and commercial risk management solutions, including home, auto, life, health, recreational vehicles, and commercial insurance.
Debra Pena Insurance and Financial Services Inc. is a State Farm® agency serving Texas, Oklahoma, New Mexico, Louisiana and Arkansas, offering a range of insurance products such as auto, homeowners, renters, life, and business coverage. The agency emphasizes personalized service and community focus.
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 for auto, home, roadside assistance and more, with personalized service.
Hernandez Insurance Group is an independent insurance agency that specializes in providing businesses and individuals with a range of insurance products. Their experienced staff helps build coverage portfolios from a wide variety of carriers.
Ervin Insurance Agency is an independent agency serving Midland and West Texas. They provide a range of personal coverages such as auto, homeowners, life, disability, and motorcycle insurance, as well as commercial lines like general liability, commercial property and umbrella. Clients receive a dedicated team to handle their insurance needs.
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.