Homeowners Insurance in Richmond, 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 Richmond
Within 15 miles of Richmond, 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.
Alb2 Insurance is a State Farm agency serving Richmond and surrounding Texas communities. They provide a range of coverage including auto, homeowners, renters, life, business, boat and motorcycle insurance. The agency has been affiliated with State Farm since 2014 and is led by veteran Leland Brunswick II.
Amtex Insurance provides real‑insurance for real people, offering affordable auto, home, and business coverage. Since its founding the agency has focused on delivering reliable, low‑cost protection with a local‑first, personal approach. It highlights 25+ years of service and a commitment to the Texas community.
Forrest Cobb is a State Farm insurance agent in Richmond, TX, serving the community since 2014. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance among other products, and a multilingual staff fluent in English, Spanish and Vietnamese.
Jay Moyer is a State Farm insurance agent in Fulshear, Texas. Since opening his office in 2013 he has helped individuals and families with auto, homeowners, renters, life, motorcycle and boat coverage, while also offering business and other personal insurance solutions. He and his team serve the local community and speak English, Spanish and Russian.
Licensed insurance agency in Richmond, TX; represents 1 carrier.
Stieber Insurance Group is a family‑owned agency serving Texas since 1983, offering personalized insurance solutions for homes, cars, and businesses. They emphasize local expertise, community focus, and independent carrier options to tailor coverage for each client.
Amtex Insurance provides affordable auto, home, renters, commercial and motorcycle insurance with a focus on personalized, community‑first service. With over 25 years of experience, the agency highlights fast quotes, multiple carrier options, and a commitment to reliable coverage for Texas families.
Zach Muzzy is a State Farm® insurance agent in Richmond, Texas. He opened his office in 2018 and serves the surrounding communities with a focus on personalized service and education. The agency offers a range of insurance products for individuals and businesses.
With over 24 years of experience in the insurance industry, Vahn Doctolero opened his State Farm agency in August 2017 in Richmond, Texas. The agency offers a range of insurance products including auto, homeowners, renters, life, flood, motorcycle and boat coverage, serving Richmond and surrounding Texas communities.
Allstate Insurance Agents in Texas help customers with auto, home, and life insurance needs, offering resources such as car safety tips, home maintenance checklists, and boating guides. The site provides a directory of agents across Texas, including Richmond, TX.
The Bird Group TX is a State Farm agency led by Kari Bird, serving Fort Bend County and the greater Houston area with personal insurance and financial services. The team offers auto, home, renters, life, motorcycle and boat coverage, and is available 24‑hour by call or text.
Polo Garcia’s State Farm Insurance Agency in Richmond/Katy, TX offers personalized insurance services covering auto, home, life, renters and commercial lines. The bilingual team serves Richmond, Katy, Sugar Land and surrounding areas, emphasizing customized coverage and fast service.
Jeffrey Dreesen is an Allstate insurance agent serving Richmond, TX, offering personalized coverage for auto, home, renters, and more. He focuses on building relationships with local families and helping them choose the right insurance solutions.
Acrisure South is a dynamic team leveraging decades of expertise, relationships, collaboration and technology. They serve businesses and families in the South region to protect assets, mitigate risk, and achieve financial security.
Christopher Mims has been serving the Houston, Richmond, and Katy areas with insurance protection since 1994. He began as a Farmers Insurance Agency and now operates as an independent Trusted Choice agent with the Integra Group, offering auto, home, life and business insurance solutions. Mims emphasizes personal relationships and a wide range of carrier options.
Quality Insurance is a trusted agency with over 10 years of experience, serving clients across Texas and Mississippi. They specialize in Home, Auto, Landlord, Condo, Renters, Commercial, and Life insurance, offering personalized coverage options.
Jason Deitz is a State Farm agent serving Richmond, Texas and surrounding areas. Since 2021 the agency has offered personal and business insurance solutions with a focus on auto, home, life, and specialty coverage. The team emphasizes personalized service and community involvement.
Acrisure is an insurance and business solutions provider that offers personalized coverage for individuals and companies of all sizes. They connect customers to a range of insurance options, including home, auto, flood, health, and life policies, using advanced technology for quick quotes. Their focus is on delivering tailored solutions backed by industry expertise.
Licensed insurance agency in Richmond, TX; represents 4 carriers.
Freeway Insurance provides a wide range of insurance products across all 50 U.S. states, including auto, homeowners, renters, life, motorcycle and boat coverage. The site offers online quotes and phone assistance for customers seeking insurance solutions.
L.A. Insurance is an affordable insurance agency that has been serving clients across the United States for over 33 years. It offers a range of low‑cost policies for vehicles, boats, motorcycles, RVs, renters, and life coverage, emphasizing flexible payment options and maximum protection.
TIA‑Texas Insurance Agency is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable auto, homeowners, boat, RV, motorcycle, commercial and liability coverage by comparing multiple carriers. The agency emphasizes personalized service, bilingual support, and free, no‑obligation quotes.
Welcome to the Pamela Adair State Farm Agent office, where we have proudly served the Rosenberg, TX community since 1984. With over 40 years of experience in the insurance industry, Pamela offers auto, homeowners, renters, life, motorcycle, and other insurance products to protect families and businesses.
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.