Homeowners Insurance in Palmer, 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 Palmer
Within 15 miles of Palmer, TX. Click any agency to view profile, contact info, and request a quote.
Stanton Optical
Stanton Optical offers same‑day eye exams and glasses, with a wide selection of frames and lenses, and accepts insurance and FSA/HSA payments.
Farmers Insurance - Brisa Rodriguez
Licensed insurance agency in Ennis, TX; represents 22 carriers.
Armstrong Guerrero Insurance
Armstrong Guerrero Insurance is an independent agency offering cost‑effective insurance solutions to hotels, motels and other hospitality businesses throughout Texas. With over 30 years of combined experience, they tailor policies to each property’s unique exposures and work with multiple carriers to find competitive coverage.
ALPA Insurance
ALPA Insurance offers quick, simple, commitment‑free insurance solutions across Texas, serving the state for over 15 years with more than 50 locations. They provide a range of coverage options and bilingual service in English and Spanish.
Aircraft Insurance Agency By Duncan
AIA by Duncan provides specialized aviation insurance solutions, offering tailored coverage for individual pilots, commercial operators, and fleets. Their team focuses on personalized service, handling policy updates and negotiating terms with premier aviation insurers.
Higginbotham - Ennis
Welcome to Higginbotham in Ennis, Texas. At Higginbotham, our mission is to understand your unique needs and provide tailored insurance solutions that offer peace of mind. Our team is here to help protect what matters most to you through personalized insurance and risk management strategies.
Team Ensinia - Real Estate & Insurance
Licensed insurance agency in Waxahachie, TX. Contact directly for available products and carriers.
Home Instead
Home Instead provides in‑home senior care services in Red Oak, TX, offering personalized assistance such as memory care, daily tasks, and 24‑hour support. They focus on compassionate, vetted caregivers and flexible care plans.
A-MAX Auto Insurance
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.
Bob Walker Insurance
Licensed insurance agency in Ennis, TX. Contact directly for available products and carriers.
America's Best Contacts & Eyeglasses
Licensed insurance agency in Waxahachie, TX; represents 8 carriers.
Premier Cover Insurance Co.
Allstate provides insurance and protection solutions, emphasizing peace of mind and confidence for customers facing life’s challenges. They offer a range of products from home and auto coverage to device and identity protection.
La Familia Auto Insurance
La Familia Insurance provides auto, homeowners, renters, and commercial insurance with a focus on affordable, reliable coverage and bilingual customer service. Founded in 2010, they have 15 years of experience serving the Texas community.
Davis Insurance Agency
Davis Insurance Agency is a local, family‑owned independent agency with over 50 years of experience, offering a full range of personal and commercial insurance products. They provide free estimates and aim to provide comprehensive coverage from auto and home to life, health, and umbrella policies.
Local Insurance & Income Tax
Locally owned and operated, this agency offers guidance and support to help customers find the best auto insurance rates and file taxes. They emphasize professional, quality customer service and serve the neighborhood directly. Their mission is to provide better rates and better service across multiple insurance lines.
Ellis County Farm Bureau
Licensed insurance agency in Ennis, TX; represents 1 carrier.
Archer Insurance Solutions
Licensed insurance agency in Waxahachie, TX; represents 28 carriers.
Cassie's Hometown Broker Services
Licensed insurance agency in Waxahachie, TX. Contact directly for available products and carriers.
Cara Castellow - State Farm Insurance Agent
Cara Castellow is a second‑generation State Farm agent in Ennis, Texas. Since opening her office in 2016, she and her bilingual team provide auto, homeowners, renters, life, motorcycle and boat insurance to the local community.
Farmers Insurance - Louis Taylor
Licensed insurance agency in Lancaster, TX; represents 17 carriers.
Almany's Insurance
Licensed insurance agency in Waxahachie, TX. Contact directly for available products and carriers.
Reyes Insurance Services
Licensed insurance agency in Waxahachie, TX; represents 50 carriers.
Goosehead Insurance - Gunther Strength's Agency
Licensed insurance agency in Waxahachie, TX. Contact directly for available products and carriers.
Jenny Vidrine - State Farm Insurance Agent
Jenny Vidrine is a State Farm® insurance agent with over 30 years of experience, serving Ellis and Navarro Counties with a full range of services including auto, home, life, and business insurance. She combines extensive education and community involvement to help clients protect what matters most.
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.