Homeowners Insurance in Stephenville, 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 Stephenville
Within 15 miles of Stephenville, 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.
The Henry Insurance Agency is an independent agency in Stephenville, Texas that helps customers find tailored insurance solutions. Drawing from a vast pool of personal, property and commercial markets, they leverage almost a century of experience to provide coverage at competitive prices.
Welcome to the Brad Hart State Farm Agent office, your trusted insurance resource in Stephenville, TX. Proudly serving Stephenville and neighboring communities, the agency offers a range of personal and business insurance solutions. Brad Hart, a local resident since 2019, leads a team dedicated to making insurance easy to understand.
David Kincannon is a State Farm insurance agent in Stephenville, Texas, offering a range of personal and business insurance products including auto, homeowners, renters, life, motorcycle and boat coverage. The agency serves the Texas market and provides 24‑hour call or text support.
Casey Cumby is a State Farm agent serving Stephenville, Texas and surrounding towns since 2010. He offers a range of personal and business insurance options, including auto, home, life, farm, motorcycle and boat coverage. The office is family‑friendly and open 24/7 for calls and texts.
Kannonball Insurance Solutions, LLC is a Texas‑based agency focused on providing high‑quality health insurance plans along with a range of other coverages such as auto, life, and motorcycle insurance. The agency emphasizes personalized service, award‑winning expertise, and helping clients find affordable options that fit their budgets.
BC Insurance Group of Texas is a locally owned, family‑run independent agency founded by Brandon and Cindy Carrell. They specialize in farm, ranch, equine, livestock and commercial insurance, aiming to protect families, farmers, and ranchers with integrity. The agency serves the Stephenville area with a focus on personalized service.
Rollo Insurance is a network of agents dedicated to helping clients build their American Dream, offering a wide range of insurance services including auto, home, business, farm & ranch, life & health, and recreation coverage.
Texas Legacy Insurance Group provides a range of insurance products including auto, home, life, health, farm & ranch, and commercial coverage, serving multiple locations across Texas.
Shane Oliver Insurance Agencies Inc. is an Allstate agency in Stephenville, TX offering auto, homeowners, renters, motorcycle, life, and boat insurance. The agency serves Stephenville and surrounding Central Texas areas and emphasizes community involvement.
Welcome to Arc Insurance Agency. Locally owned and operated. Protect your future with Arc Insurance Agency, your trusted partner for all your insurance needs. Located in Stephenville, Texas, we offer a wide range of insurance products including home, auto, farm, commercial, landlord, renters and much more.
Cowboy Country Title is a local title insurance provider located in historic Erath County, Texas, dedicated to delivering a fast, honest, and friendly closing experience for neighbors. They focus on ensuring a smooth closing process from start to finish.
My Insurance Store has been protecting individuals and businesses for over 34 years. Since 1992 the agency has served Texas families with reliable insurance solutions and personalized service.
Licensed insurance agency in Stephenville, TX; represents 169 carriers.
Licensed insurance agency in Stephenville, TX; represents 1 carrier.
Licensed insurance agency in Stephenville, TX; represents 1 carrier.
Licensed insurance agency in Stephenville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Stephenville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Stephenville, TX; represents 3 carriers.
Licensed insurance agency in Stephenville, TX; represents 1 carrier.
Licensed insurance agency in Stephenville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Stephenville, TX; represents 26 carriers.
Licensed insurance agency in Stephenville, TX. Contact directly for available products and carriers.
Licensed insurance agency in Stephenville, 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.