Homeowners Insurance in Shepherd, 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 Shepherd
Within 15 miles of Shepherd, 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 Cleveland, TX. Contact directly for available products and carriers.
L.A. Insurance is an affordable insurance agency serving clients across the USA for over 33 years. It offers protection for cars, boats, motorcycles, RVs, and business vehicles with low down payments and flexible payment plans.
RLO Insurance is a family‑owned and operated agency with over 40 years of experience, offering home, auto, and commercial business insurance solutions. The agency also provides a range of business services such as notary, title, and immigration assistance. Their focus is on reliable, efficient, and cost‑effective coverage for personal and business needs.
Dana Jackson Insurance Agency, LLC helps customers find the best insurance products at the best price. The site emphasizes personalized service and quick, knowledgeable assistance for a range of needs.
Scott Shuff State Farm is a local insurance agency in Cleveland, Texas offering personalized coverage for auto, home, renters, life and more. Founded in 2012, the agency’s bilingual team serves English- and Spanish-speaking customers and has earned multiple State Farm awards.
Pronto Insurance provides affordable, fast and reliable coverage across Texas, specializing in auto, home, renters and business insurance. The agency serves the community with access to more than 30 insurance companies, aiming to deliver the best protection at the lowest price.
Licensed insurance agency in Cleveland, TX; represents 1 carrier.
Carter Insurance is a local independent insurance company serving Livingston, TX and surrounding areas. Their agents provide auto, homeowners, life, and commercial insurance options to meet a variety of customer needs.
Kelley Insurance Agency provides quality auto, home, renters, life, and commercial insurance to Texans, emphasizing exceptional service and fair claims processes. With over 50 years serving the community, they partner with Germania to offer a range of coverage options.
Fred Loya Insurance provides auto insurance coverage across 12 states with over 800 offices, offering instant online quotes and same‑day policy issuance. The agency emphasizes multiple discounts and immediate coverage for drivers seeking affordable car insurance.
Martin GMC is a certified dealer serving drivers throughout Cleveland and surrounding areas, offering a solid selection of new and carefully inspected pre‑owned vehicles. The dealership provides a finance center, professional technicians, and authentic parts, aiming for friendly, transparent service. Customers can contact the sales team at (281) 223‑1593 for assistance.
Cleveland Insurance is a local independent agency serving Cleveland, Texas and surrounding areas, offering a wide range of personal and commercial insurance solutions. With years of experience, they focus on personalized service to protect clients' assets.
Licensed insurance agency in Cleveland, TX. Contact directly for available products and carriers.
Licensed insurance agency in Cleveland, TX; represents 4 carriers.
Licensed insurance agency in Cleveland, TX. Contact directly for available products and carriers.
Licensed insurance agency in Cleveland, TX. Contact directly for available products and carriers.
Licensed insurance agency in Livingston, TX. Contact directly for available products and carriers.
Licensed insurance agency in Cleveland, TX; represents 11 carriers.
Licensed insurance agency in Shepherd, TX. Contact directly for available products and carriers.
Licensed insurance agency in Cleveland, TX; represents 12 carriers.
Licensed insurance agency in Cleveland, TX. Contact directly for available products and carriers.
Licensed insurance agency in Cleveland, TX. Contact directly for available products and carriers.
Licensed insurance agency in Cleveland, TX; represents 6 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.