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.
24 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.
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.
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 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.
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 Agency is an independent insurance agency serving Texas since 1998, offering personal and business coverage with 17 years of experience in the field.
Licensed insurance agency in Mineral Wells, TX; represents 1 carrier.
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.
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.
Licensed insurance agency in Mineral Wells, TX; represents 12 carriers.
Licensed insurance agency in Mineral Wells, TX; represents 15 carriers.
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mineral Wells, TX. Contact directly for available products and carriers.
Licensed insurance agency in Mineral Wells, TX; represents 5 carriers.
Licensed insurance agency in Mineral Wells, TX; represents 8 carriers.
Licensed insurance agency in Mineral Wells, TX; represents 3 carriers.
Licensed insurance agency in Mineral Wells, TX; represents 7 carriers.
Licensed insurance agency in Millsap, TX; represents 17 carriers.
Licensed insurance agency in Graford, TX; represents 4 carriers.
Licensed insurance agency in Weatherford, TX; represents 1 carrier.
Licensed insurance agency in Weatherford, TX; represents 1 carrier.
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.