Homeowners Insurance in Richardson, 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 Richardson
Within 15 miles of Richardson, 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.
Licensed insurance agency in Dallas, TX; represents 24 carriers.
Hotchkiss Insurance has been protecting businesses, individuals and families since 1975, offering personalized insurance plans such as commercial property and casualty, employee benefits, personal and renters insurance, and surety bonds. Their mission is to help people and businesses thrive by safeguarding what matters most.
RIAgency is an insurance agency with over 16 years of experience providing commercial and personal insurance across more than 47 U.S. states.
John Moore State Farm Insurance Agency serves Texas, focusing on Richardson and surrounding areas. It offers a comprehensive range of insurance and financial services including auto, home, life, renters, and business coverage. Led by John Moore, a State Farm agent with CLU and LUTCF designations, the agency has been operating since 1989.
American MGA provides confidence, care, and commitment with transparent, simple insurance solutions. The agency offers a full range of policies including auto, home, business and life insurance, and emphasizes personalized guidance and integrity.
Serving customers since 2007, Jamie Detten is a State Farm Agent in Richardson, TX offering a range of insurance products. The agency handles auto, homeowners, renters, life, motorcycle, boat and business insurance for individuals and businesses in the Dallas‑area region.
Assurnet Insurance Agency is an independent insurance agency in Richardson, Texas that has been serving the state since 1986. It offers personal and business insurance solutions, compares options from top carriers, and aims to simplify the insurance process for its customers.
Rising Star Insurance Group specializes in safeguarding businesses, homes, and futures, offering personalized insurance solutions with over 40 years of trusted experience and a focus on integrity, expertise, and exceptional service.
The Sterling Insurance Group is an insurance agency located in Plano, Texas serving Colorado, offering simple, fast, and easy insurance solutions. They focus on reducing headaches by providing efficient, clear, and value‑focused coverage for individuals, families, and businesses.
Patterson & Associates Insurance is a Texas‑based agency with over 40 years of experience providing commercial, personal and employee benefits insurance solutions. They serve a wide range of industries and individuals, offering tailored coverage such as auto, homeowners, umbrella and life policies.
Insurance Source of Dallas is an independent agency in Dallas, Texas offering a range of insurance options. They emphasize providing choice by shopping among many carriers to find the best rates for clients. Founded in 2004, they serve the Dallas/Fort Worth area with multiple office locations.
Schuler Insurance Services is a veteran life and health insurance agency with over 20 years of industry experience, offering simple and affordable term life coverage for busy professionals. They operate as an independent agency helping clients nationwide compare and apply for life and health policies from top-rated carriers.
ALPA Insurance offers quick, simple, commitment‑free insurance solutions across Texas, serving customers for over 15 years with more than 50 locations. They provide multiple lines such as auto, motorcycle, renters, homeowners, and commercial coverage, and serve both English and Spanish speakers.
Our mission is to help everyone so you never have the fear of losing everything in an instant. Everyone deserves access to affordable, reliable coverage, no matter their background or history.
Patel Insurance Agency is an Allstate‑affiliated agency in Richardson, TX offering auto, homeowners, renters, motorcycle, boat, ATV and life insurance. The agents have over 10 years of experience serving the North Dallas area and focus on personalized service and community involvement.
Basha Insurance is an independent insurance agency based in Dallas, Texas. They provide clients with a range of insurance options by shopping among many carriers to find the best policies and rates. The agency emphasizes personalized service and the power of choice.
We insure the things you love, helping you protect today and illuminate tomorrow. Our local agents keep the things you care about safe so you can plan for the future with confidence.
Cowboy Insurance provides online insurance quotes for auto, homeowners, and commercial coverage, emphasizing savings for customers. The agency highlights its agents’ ability to find the right policy at a fair price.
K L Reyes Insurance Services is an Allstate-affiliated agency serving Richardson, TX, offering auto, home, and life insurance solutions.
Erick Martinez leads Martinez Insurance and Financial Services, a State Farm agency serving Richardson and the DFW area. The office offers a range of personal and business insurance products and emphasizes bilingual service in English and Spanish.
Brightway Insurance offers a modern, independent‑agent approach that connects customers with a variety of carriers and personalized quotes. The agency emphasizes trust, quick response, and comprehensive coverage options for individuals and businesses.
We are independent. Our advisors listen. We shop our carriers and provide an honest recommendation.
CoVerica is an insurance agency offering personal, commercial, and employee benefits solutions with over 40 years of experience. They serve Texas and surrounding states, emphasizing tailored coverage and risk management.
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.