Homeowners Insurance in Queen City, 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.
6 homeowners insurance agencies in Queen City
Within 15 miles of Queen City, TX. Click any agency to view profile, contact info, and request a quote.
Caleb Kesler: Allstate Insurance
Caleb Kesler is an Allstate insurance agent serving Texarkana, TX and surrounding areas. He offers auto, homeowners, renters, motorcycle, boat, and life insurance with a focus on personalized service. The agency opened in 2021 and holds a 4.5‑star rating from 237 reviews.
Dickson Insurance Agency, LLC
Dickson Agency offers auto, home, business, and life insurance solutions, promising quotes within 24 hours and focusing on helping customers save money while protecting what matters most.
Ahlstrom Insurance, LLC
Welcome to Ahlstrom Insurance Agency, LLC. We are an Independent Insurance Agency serving clients in the Texarkana Texas & Arkansas areas, offering personal and commercial insurance coverages.
Progressive Insurance - Richardson "No Bull" Insurance
NavSav Insurance – Atlanta, Texas, formerly known as Richardson “No Bull” Insurance, is a full‑service agency offering personal and commercial insurance coverage including home, auto, health, life, and agricultural policies. The agency works with leading carriers to provide tailored plans for individuals and businesses.
Cook Insurance USA
Cook Insurance USA is an independent agency serving the Texarkana area and the states of Texas and Arkansas. They provide personal insurance such as auto, homeowners, life, health, and motorcycle coverage, as well as commercial lines like general liability, commercial auto, and property. Clients receive a dedicated team to address their insurance needs.
Murray Insurance
Licensed insurance agency in Texarkana, TX; represents 15 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.