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Homeowners Insurance in Sanger, 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 Sanger

Within 15 miles of Sanger, TX. Click any agency to view profile, contact info, and request a quote.

LFeatured partner
LIBERTAS INSURANCEPaid placement

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.

AutoHomeownersRentersLife+6 more
Waco, TX· 125.6 mi
Carriers: American Economy Insurance Company, GEICO County Mutual Insurance Company +210+ agents
H Listed
Hermes Insurance Solutions LLC
4.4 · 14 reviews on Google25 yrs in business

Hermes Insurance Solutions LLC is a locally owned independent agency serving Sanger, Muenster and surrounding North Texas communities. With over 25 years of experience, they help clients find auto, home, life, commercial and other insurance policies tailored to their needs. Their focus is on long‑lasting relationships and personalized service.

AutoHomeownersRentersCommercial GL+4 more
Sanger, TX· 1.8 mi
Carriers: American Economy Insurance Company, American Modern Property and Casualty Insurance Company +3020+ agents
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R Listed
Roxanne Haug - State Farm Insurance Agent
4.9 · 127 reviews on Google12 yrs in business

Roxanne Haug State Farm Agent office in Sanger, Texas, serving individuals, families, and businesses across Sanger, Krum, Valley View, Denton and surrounding areas. Licensed in Texas and Oklahoma with over two decades of experience and operating since 2014.

AutoBoatCommercial GLHomeowners+4 more
Sanger, TX· 2.1 mi
Carriers: State Farm6+ agents
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C Listed
CeBallos Insurance Group

CeBallos Insurance Group helps consumers save money, businesses reduce risk, and families protect their future. Serving Sanger and surrounding Texas communities, the agency offers a wide range of personal and commercial insurance solutions.

AutoBoatCommercial GLEarthquake+6 more
Sanger, TX· 1.9 mi
Carriers: AmGUARD Insurance Company, American Modern Property and Casualty Insurance Company +510+ agents
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N Listed
Neal & Neal Insurance Agency
4.8 · 78 reviews on Google

Neal & Neal Insurance Agency, Inc. is an independent agency serving businesses and families in Texas, Colorado, Oklahoma, Georgia, and New Mexico. They provide personalized service and a wide range of insurance products to meet personal and commercial needs.

AutoBoatCommercial GLCommercial Property+8 more
Denton, TX· 9.6 mi
10+ agents
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G Listed
Glenn Davis Insurance
4.6 · 14 reviews on Google52 yrs in business

Glenn Davis Insurance represents many different companies and specializes in matching customers with coverage that provides the right protection for the best price. The agency has been serving Denton and the entire state of Texas since 1974.

AutoBoatCommercial GLHomeowners+3 moreSpanish
Denton, TX· 10.2 mi
Carriers: AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, American Economy Insurance Company +6020+ agents
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A Listed
Agents Alliance Services
4.6 · 54 reviews on Google18 yrs in business

Agents Alliance Services is an independent insurance aggregator that supports independent agents by providing tools, resources, and carrier relationships to help them build successful agencies. Since 2008 they have partnered with personal and commercial insurance agencies to increase revenue and promote agency ownership.

AutoCommercial GLHomeownersRenters+1 more
Denton, TX· 11.1 mi
Carriers: ACUITY, A MUTUAL INSURANCE COMPANY, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY +31120+ agents
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R Listed
Ramey & King Insurance
4.8 · 57 reviews on Google140 yrs in business

Welcome to Ramey King Insurance Agency! We're an independent insurance agency located in Texas. Our team is dedicated to providing quality service and coverage by listening to your needs.

AutoBoatCommercial GLCommercial Property+3 more
Denton, TX· 13.3 mi
Carriers: AGCS Marine Insurance Company, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +9410+ agents
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L Listed
La Familia Auto Insurance
4.8 · 791 reviews on Google15 yrs in business

La Familia Insurance offers auto, homeowners, renters, and commercial insurance, emphasizing affordable, reliable coverage for all. They serve the community with bilingual representatives and have been operating for over a decade.

AutoCommercial GLHomeownersRenters+1 moreSpanish
Denton, TX· 10.3 mi
Carriers: Bravo General (in-house MGA), GAINSCO +56+ agents
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D Listed
D3 Insurance Group - Denton
4.6 · 51 reviews on Google

D3 Insurance Group is a new company, but do not let that fool you. Our combined experience of over 45 years is second to none. Our passion for knowing our clients on a personal level, combined with our D3 process, is unique to the insurance industry.

AutoCommercial GLCommercial PropertyHomeowners+3 more
Denton, TX· 12.8 mi
Carriers: Geico, Dairyland +1220+ agents
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S Listed
Sanchez Insurance
4.0 · 13 reviews on Google29 yrs in business

Sanchez Insurance has been serving the community since 1997, helping customers find affordable auto, home, life, and commercial coverage. Their staff assists with quoting, policy selection, and ongoing service, emphasizing personalized assistance and respect. They highlight a commitment to saving customers time and money.

AutoCommercial GLHomeownersLife+3 moreSpanish
Denton, TX· 10.5 mi
10+ agents
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C Listed
Century Insurance Agency, Inc
4.9 · 199 reviews on Google30 yrs in business

Century Insurance Agency, founded in 1996, is a full‑service independent insurance agency serving Texas with a network of 25 leading carriers. They offer personalized service through three Dallas‑area locations, matching clients with the right coverage for personal and commercial needs. Their focus is on quality, integrity, and superior service for individuals and businesses alike.

AutoBoatCommercial GLFarm+5 more
Denton, TX· 14.8 mi
10+ agents
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F Listed
Fiesta Auto Insurance & Tax Service
4.9 · 156 reviews on Google

NOW IS THE TIME FOR YOU TO CHANGE TO FIESTA! Our team of insurance and tax professionals can help your family, offering coverage for auto, home, business, rental property, boat, and motorcycle along with personal and business tax services. At Fiesta we treat you like family!

AutoBoatCommercial GLCommercial Property+4 moreSpanish
Denton, TX· 10.3 mi
Carriers: Progressive County Mutual, Pronto Insurance (affiliate) +46+ agents
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G Listed
Gillum Insurance
4.8 · 1 reviews on Google

Gillum Insurance Agency in Sanger, TX helps clients find auto, life, and home insurance coverage, offering custom packages and special discounts.

AutoCommercial GLHomeownersLife+2 more
Sanger, TX· 2.4 mi
License on file (TDI)
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H Listed
Hutcherson Insurance Group, LLC
3.0 · 2 reviews on Google

Hutcherson Insurance Group LLC is an independent agency serving the Denton area and the state of Texas. They provide a range of personal insurance products such as auto, homeowners, life, health, motorcycle, boat, flood and renters coverage, as well as commercial lines like liability, commercial property and umbrella. The agency emphasizes a dedicated team of agents to help customers save money.

AutoHomeownersLifeMotorcycle+7 more
Denton, TX· 11.0 mi
Carriers: Ace American Insurance Company, Aetna Dental Inc. +5310+ agents
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A Listed
A-MAX Auto Insurance
4.4 · 405 reviews on Google

A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.

AutoBoatCommercial GLCommercial Property+3 moreSpanish
Denton, TX· 10.3 mi
Carriers: Progressive County Mutual, Direct Auto Insurance +56+ agents
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F Listed
Freeway Insurance
4.7 · 415 reviews on Google

Freeway Insurance is a nationwide agency that offers a wide range of insurance products, including auto, homeowners, renters, motorcycle, and boat coverage. It serves customers in all 50 U.S. states through its network of retail stores.

AutoBoatCommercial GLHomeowners+3 moreSpanish
Denton, TX· 10.5 mi
Carriers: Confie (parent MGA), Progressive County Mutual +43-5 agents
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B Listed
Brightway Insurance, The Grunor Agency
4.4 · 21 reviews on Google

The Grunor Agency is a local Brightway insurance team in Denton, TX that simplifies insurance by offering multiple quotes from various carriers for personal and business coverage.

AutoBoatCommercial GLFlood+4 more
Denton, TX· 14.6 mi
20+ agents
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W Listed
Wade Hunt Insurance
4.7 · 79 reviews on Google

Wade Hunt Insurance is an independent agency specializing in auto, homeowners, life, and business insurance across Denton and the rest of Texas. Their focus is helping customers find the best coverage at affordable rates, emphasizing personalized service and peace of mind.

AutoCommercial GLHomeownersLife+2 more
Denton, TX· 11.4 mi
Carriers: ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +956+ agents
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S Listed
Sanger Insurance
4.8 · 23 reviews on Google

Licensed insurance agency in Sanger, TX; represents 3 carriers.

AutoHomeowners
Sanger, TX· 2.4 mi
Carriers: Life of the South Insurance Company, MINNESOTA LIFE INSURANCE COMPANY +11-2 agents
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S Listed
Stability Insurance Old North
4.8 · 1 reviews on Google

Best Coat Insurance offers personal and commercial insurance with a low‑pressure approach, focusing on cost‑effective solutions and extensive discounts. They serve individuals and businesses across a range of coverages, emphasizing independent representation to find the best options.

AutoHomeownersRentersCommercial GL+7 more
Denton, TX· 11.3 mi
10+ agents
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A Listed
ALPA Insurance
4.8 · 11 reviews on Google15 yrs in business

ALPA Insurance offers quick, simple, commitment‑free insurance solutions in Texas, serving over 50 locations for 15 years. They provide multiple lines such as auto, motorcycle, renters, homeowners, commercial, SR‑22 and surety bonds, and serve English‑ and Spanish‑speaking customers.

AutoCommercial GLCommercial PropertyHomeowners+3 moreSpanish
Denton, TX· 10.4 mi
Carriers: Progressive, Dairyland (Sentry) +43-5 agents
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S Listed
Sendera Title
4.8 · 1 reviews on Google25 yrs in business

Sendera Title is a family‑owned, attorney‑led title agency serving residential and commercial closings across the Dallas‑Fort Worth area. As one of Texas’s largest independent title agencies, they focus on fast, stress‑free transactions for both large ventures and modest home loans.

AutoCommercial GLHomeownersRenters+1 more
Aubrey, TX· 14.3 mi
20+ agents
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A Listed
Aflac
4.7 · 3 reviews on Google

Licensed insurance agency in Sanger, TX; represents 4 carriers.

AutoCommercial GLHomeownersLife+2 more
Sanger, TX· 2.5 mi
Carriers: American Family Life Assurance Company of Columbus, American Family Life Assurance Company of New York +2
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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.

Homeowners insurance in other Texas cities

Other insurance types in Sanger