Homeowners Insurance in Navasota, 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.
12 homeowners insurance agencies in Navasota
Within 15 miles of Navasota, 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.
Neil Martensen is a State Farm® agent serving Navasota, Texas since 2011. He and his team offer a range of personal and business insurance products, emphasizing personalized service and community involvement.
Licensed insurance agency in Navasota, TX; represents 1 carrier.
Licensed insurance agency in Navasota, TX; represents 88 carriers.
Studhalter Insurance Agency has served southeastern Texas since 1990, helping consumers save money and families protect their financial future. They offer a range of personal insurance products and invite residents of Grimes, Washington, Brazos, Walker, and Montgomery counties to get a review.
Licensed insurance agency in Navasota, TX; represents 7 carriers.
Licensed insurance agency in Navasota, TX; represents 10 carriers.
Licensed insurance agency in Navasota, TX; represents 1 carrier.
Licensed insurance agency in Navasota, TX. Contact directly for available products and carriers.
Licensed insurance agency in Navasota, TX; represents 19 carriers.
Licensed insurance agency in Washington, TX; represents 4 carriers.
Licensed insurance agency in Anderson, TX; represents 5 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.