Homeowners Insurance in Skellytown, 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.
12 homeowners insurance agencies in Skellytown
Within 15 miles of Skellytown, TX. Click any agency to view profile, contact info, and request a quote.
Town & Country Insurance Agency
Town & Country Insurance Agency of Texas, LLC serves the Texas Panhandle offering auto, home, life, and business insurance solutions. The agency highlights local expertise and a range of options such as auto, homeowners, renters, commercial, umbrella, motorcycle and boat insurance.
Russ Glaze - State Farm Insurance Agent
Russ Glaze runs a State Farm agency in the Texas Panhandle, serving customers since 2007. The agency offers a range of personal and business insurance products and emphasizes community involvement and personalized service. It operates two locations in Borger and Pampa, Texas.
Chip Martin Agency
Licensed insurance agency in Borger, TX. Contact directly for available products and carriers.
C.E. House Insurance
C.E. House Insurance is a family‑owned, Christian insurance agency founded on April 1, 1928. It offers personalized auto, homeowners, and umbrella coverage while emphasizing trust, community service, and long‑term relationships.
Farmers Insurance - Keith Cappilla
Licensed insurance agency in Borger, TX; represents 1 carrier.
Farmers Insurance - Aaron Cappilla
Licensed insurance agency in Borger, TX; represents 1 carrier.
David Smith - State Farm Insurance Agent
State Farm agent David W. Smith serves the Borger, TX area, offering a range of insurance products including auto, homeowners, renters, motorcycle, boat, life and disability coverage. The agency emphasizes personalized bundles and discounts to help customers save money. It also provides access to State Farm’s online tools for claims, billing and policy management.
Cody Long: Allstate Insurance
Cody Long is an Allstate insurance agent serving Borger, TX. He offers a range of products including auto, homeowners, renters, motorcycle, boat, and life insurance, focusing on personalized service and community involvement.
Janeway Insurance
Licensed insurance agency in Borger, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance - Nicole Harden
Licensed insurance agency in Borger, TX. Contact directly for available products and carriers.
Borger Medicare Store - Cappilla Agency
Licensed insurance agency in Borger, TX. Contact directly for available products and carriers.
Christina Baker Insurance Agent
Licensed insurance agency in Borger, TX. Contact directly for available products and 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.