Homeowners Insurance in Somerset, 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 Somerset
Within 15 miles of Somerset, 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.
GEICO Insurance Agency offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage.
Alexander Insurance Agency is an independent agency serving South Texas, offering a range of insurance products to help individuals, families, and businesses protect their financial future.
Ándale Seguro is a family‑owned insurance agency founded in San Antonio, Texas, offering bilingual assistance to Latino families across the United States. They provide personalized guidance to help clients choose medical, life, auto, home and commercial insurance plans.
Pride Insurance Agency in San Antonio, Texas provides personalized insurance solutions for individuals and businesses, emphasizing integrity, empathy, and financial security. They offer a range of coverages and aim to be a trusted partner throughout clients’ lives.
Insuring the local community for over 20 years, Martinez Insurance offers dedicated staff to help you secure the right policy for you and your loved ones. With extensive carrier knowledge they shop for the best options and provide friendly, compassionate service.
Licensed insurance agency in San Antonio, TX; represents 16 carriers.
Licensed insurance agency in San Antonio, TX; represents 8 carriers.
Licensed insurance agency in San Antonio, TX; represents 22 carriers.
Alexander Insurance Agency helps shoppers save money, businesses reduce risk, and families protect their financial futures. They serve South Texas with independent agents offering affordable products and a hometown feel.
Licensed insurance agency in San Antonio, TX; represents 37 carriers.
Licensed insurance agency in San Antonio, TX; represents 24 carriers.
Licensed insurance agency in San Antonio, TX; represents 8 carriers.
Licensed insurance agency in San Antonio, TX; represents 14 carriers.
Licensed insurance agency in San Antonio, TX; represents 31 carriers.
Licensed insurance agency in San Antonio, TX; represents 3 carriers.
Licensed insurance agency in San Antonio, TX; represents 23 carriers.
Licensed insurance agency in Somerset, TX; represents 10 carriers.
Licensed insurance agency in Lytle, TX; represents 1 carrier.
Licensed insurance agency in San Antonio, TX; represents 65 carriers.
Licensed insurance agency in Von Ormy, TX; represents 5 carriers.
Licensed insurance agency in Lytle, TX; represents 20 carriers.
Licensed insurance agency in San Antonio, TX; represents 31 carriers.
Licensed insurance agency in San Antonio, TX; represents 1 carrier.
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.