Homeowners Insurance in Point Blank, 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.
10 homeowners insurance agencies in Point Blank
Within 15 miles of Point Blank, 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.
Premier Property Group connects families with their dream homes in East Texas. Co‑founded by real‑estate professionals Katelyn Munsinger and Madeline Phillips, the team offers buying, selling, renting, commercial and land services.
Licensed insurance agency in Livingston, TX; represents 1 carrier.
Licensed insurance agency in Livingston, TX. Contact directly for available products and carriers.
Licensed insurance agency in Point Blank, TX; represents 1 carrier.
Licensed insurance agency in Onalaska, TX; represents 11 carriers.
Licensed insurance agency in Onalaska, TX; represents 2 carriers.
Licensed insurance agency in Coldspring, TX; represents 53 carriers.
Licensed insurance agency in Trinity, TX. Contact directly for available products and carriers.
Licensed insurance agency in Onalaska, TX; represents 21 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.