Homeowners Insurance in San Antonio, 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.
Homeowners insurance in San Antonio, TX: 24 licensed insurance agencies serve 1,530,000 residents in Bexar County. auto premiums average $2,230 per year — 19% below the Texas state average.
24 homeowners insurance agencies in San Antonio
Within 15 miles of San Antonio, 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.
La Familia Insurance offers auto, homeowners, renters, and commercial insurance with a focus on affordable, reliable coverage. They serve a bilingual community in Texas and have been operating for 15 years since their founding in 2010.
La Familia Insurance offers auto, home, renters, and commercial insurance, emphasizing affordable and reliable coverage for the community. Their mission is to help everyone avoid the fear of losing everything, providing bilingual service and a focus on customer care.
Licensed insurance agency in San Antonio, TX; represents 31 carriers.
Licensed insurance agency in San Antonio, TX; represents 9 carriers.
Licensed insurance agency in New Braunfels, TX; represents 51 carriers.
Bienvenido Insurance is a locally owned agency that helps customers secure auto, home, renters, life, motorcycle and commercial insurance policies. Their staff emphasizes personalized service, fast response, and finding the best rates from a wide range of carriers. They have been serving the community for over a decade.
Licensed insurance agency in San Antonio, TX; represents 15 carriers.
Licensed insurance agency in San Antonio, TX; represents 52 carriers.
Licensed insurance agency in San Antonio, TX; represents 43 carriers.
Licensed insurance agency in San Antonio, TX; represents 10 carriers.
Licensed insurance agency in San Antonio, TX; represents 34 carriers.
Licensed insurance agency in San Antonio, TX; represents 99 carriers.
Independent Insurance Center, Inc. (IIC) is a Texas‑based independent agency with over 100 years of experience serving businesses and individuals. They offer personal and commercial insurance solutions, including property, auto, farm, boat and specialty coverage, backed by a team of experienced agents.
ALPA Insurance provides quick, simple, no‑commitment insurance options and has been serving Texas for 15 years with over 50 locations. They offer auto, motorcycle, renters, homeowners, and commercial coverage in both English and Spanish.
Licensed insurance agency in San Antonio, TX; represents 16 carriers.
Licensed insurance agency in San Antonio, TX; represents 33 carriers.
Licensed insurance agency in San Antonio, TX; represents 46 carriers.
Licensed insurance agency in San Antonio, TX; represents 17 carriers.
Licensed insurance agency in San Antonio, TX; represents 70 carriers.
Licensed insurance agency in Fort Worth, TX; represents 2 carriers.
Licensed insurance agency in San Antonio, TX; represents 5 carriers.
Licensed insurance agency in Houston, TX; represents 22 carriers.
Licensed insurance agency in San Antonio, TX; represents 59 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.