Homeowners Insurance in Royse 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.
24 homeowners insurance agencies in Royse City
Within 15 miles of Royse City, 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.
Care Texas Health offers primary care, urgent care, and on-demand video visits, along with health assessments and wellness resources.
Herald Insurance Group specializes in senior-focused insurance solutions, offering Medicare, health, life, dental, and critical illness coverage with a personalized, customer‑first approach. The agency emphasizes education, value‑added service, and helping clients find affordable plans.
Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.
Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.
Our family‑owned account service has been serving the community for the last 10 years. Our team includes experienced CPAs and dedicated support to provide both personal and professional financial services.
Bob Ellis Insurance Services has proudly served the insurance needs of Royse City and all of Texas since 2000. Our independent agency helps you find the best value on auto, home, life, and more.
Slaughter Insurance Agency is an independent, family‑owned insurance agency serving Quinlan, Texas since 1988. They offer a wide range of personal and commercial coverage options, focusing on personalized service and community involvement.
Licensed insurance agency in Royse City, TX; represents 75 carriers.
Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.
Kari Hargrave is a State Farm insurance agent in Royse City, TX, serving the community since 2006. She and her team offer a variety of insurance products in English and Spanish, with over 50 years of combined experience.
Schillace Insurance Agency Inc. is a State Farm‑affiliated agency in Royse City, Texas, serving individuals, families and small businesses across North Texas. The team offers a wide range of insurance options—including auto, homeowners, renters, commercial, life, motorcycle and boat coverage—and emphasizes personalized service and community involvement.
HI Agency offers personalized insurance solutions for auto, home, commercial, life, health, and valuable items, leveraging multiple top‑rated carriers and an in‑house team. They highlight 20+ years of experience and serving over 5,000 families.
Diane Stegall is a financial professional with Modern Woodmen, offering life insurance, annuities, and financial planning services to individuals and families. She leverages 35 years of experience in education and is deeply involved in her local community.
McShannon Insurance Plus is a Greenville, TX based Medicare agency offering free plan comparisons, enrollment assistance, and personalized guidance across Texas. Led by Eric McShannon, the agency emphasizes independent, unbiased advice and high‑touch support for seniors navigating Medicare options.
Houston Tullos is a State Farm® Insurance Agent serving the Fate, TX area. He opened the Fate office in 2022 and, together with his team, offers auto, homeowners, renters, life, motorcycle, boat and other insurance products. The agency emphasizes personalized service and community involvement.
Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.
Allstate Insurance Agents in Texas provide auto, home, and life insurance coverage through a network of local agents across the state. The site offers tools to get quotes, resources on vehicle and property safety, and a directory to locate agents by city or ZIP code.
Insurance Busters is a multi‑state licensed public insurance adjusting firm that assists policyholders after catastrophic losses such as wildfires. They specialize in handling property claims and have over two decades of experience advocating for insureds.
Licensed insurance agency in Wylie, TX; represents 96 carriers.
Licensed insurance agency in Royse City, TX; represents 1 carrier.
The agency protects families and their assets, focusing on property and casualty insurance such as home, auto, boats, motorcycle, RVs, as well as business and life insurance. They have five knowledgeable staff with over 50 years of industry experience serving more than 3,000 households in Texas.
Terry Hayden is an Allstate insurance agent in Royse City, TX offering auto, homeowners, renters, motorcycle, life, boat, and ATV insurance. The agency serves Royse City, Rockwall, and Quinlan with English and Spanish support.
Hanby Insurance is an independent agency in Rockwall, Texas, serving North Texas for over 85 years. It offers home, auto, and business insurance solutions with same‑day service and a focus on personalized, responsive support.
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.