Homeowners Insurance in Mineral Wells, 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.
15 homeowners insurance agencies in Mineral Wells
Within 15 miles of Mineral Wells, TX. Click any agency to view profile, contact info, and request a quote.
Chestnut Insurance Agency
Chestnut Insurance Agency’s mission is to deliver peace of mind by protecting what clients value most. Mac and Dana provide personal lines—including auto, homeowners, life and health—as well as commercial coverage for businesses. They also partner with Allstate Health for affordable health insurance options.
Phil Luker - State Farm Insurance Agent
Phil Luker runs the State Farm Insurance Agency in Mineral Wells, Texas, celebrating 25 years of service since opening in 2001. He and his team focus on personalized coverage for auto, home, life, and other insurance needs, emphasizing relationships and community involvement. The agency is known for its high customer satisfaction, reflected in a 5‑star rating on Google.
April Martin - State Farm Insurance Agent
State Farm agent since 1996 serving North Texas from Mineral Wells and Jacksboro offices, offering a range of insurance products including auto, home, renters, life, business and health coverage. The agency emphasizes personal service and has a team with over 95 years of combined experience.
Out West Insurance
Out West Insurance Agency is an independent insurance agency serving Texas since 1998, offering personal and business coverage with 17 years of experience in the field.
Farmers Insurance - John Shelley
Licensed insurance agency in Mineral Wells, TX; represents 1 carrier.
Wallace Insurance Agency
Wallace Insurance Group, LLC is an independent insurance agency serving Weatherford, Breckenridge and Mineral Wells, Texas, offering personal and commercial insurance coverages such as auto, homeowners, motorcycle, boat, flood, umbrella, and farm insurance.
Alltex Insurance
All-Tex Insurance is a locally owned agency in Granbury, Texas that helps clients with a range of insurance needs, including auto, home, commercial, life, umbrella, boat, motorcycle and renters coverage. They emphasize personalized service and aim to make the insurance process easier and less stressful for families and businesses.
Fink Insurance Agency
Licensed insurance agency in Mineral Wells, TX; represents 12 carriers.
The Butler Agency, Inc.
Licensed insurance agency in Mineral Wells, TX; represents 15 carriers.
Elliott & Waldron Abstract Co
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Brandon Sims - Texas Farm Bureau Insurance
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Sheila Charles - Texas Farm Bureau Insurance
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Eryn Reedy - Texas Farm Bureau Insurance
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
McDonald & Associates
Licensed insurance agency in Mineral Wells, 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.