Homeowners Insurance in Somervill, 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.
11 homeowners insurance agencies in Somervill
Within 15 miles of Somervill, TX. Click any agency to view profile, contact info, and request a quote.
JAMES CASHION, LTD COMPANY
Licensed insurance agency in Somerville, TX. Contact directly for available products and carriers.
DIVERSITY PEAK LLC
Licensed insurance agency in Somervill, TX. Contact directly for available products and carriers.
CALDWELL INSURANCE AGENCY, LLC
Licensed insurance agency in Brenham, TX; represents 24 carriers.
MEDICARE AND MORE INC.
Licensed insurance agency in Brenham, TX; represents 29 carriers.
COACHES INSURANCE AGENCY, LLC
Licensed insurance agency in Brenham, TX; represents 20 carriers.
VISION INSURANCE AGENCY, LLC
Licensed insurance agency in Caldwell, TX; represents 3 carriers.
RUSS BEVIL INSURANCE AGENCY, INC.
Licensed insurance agency in Caldwell, TX; represents 24 carriers.
SOMMER INSURANCE GROUP LLC
Licensed insurance agency in Brenham, TX. Contact directly for available products and carriers.
ROEHLING VENTURES LLC
Licensed insurance agency in Brenham, TX. Contact directly for available products and carriers.
HAZELWOOD AUTOMOTIVE GROUP, LTD
Licensed insurance agency in Brenham, TX. Contact directly for available products and carriers.
FREEMAN INSURANCE SERVICES, LLC
Licensed insurance agency in Caldwell, 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.