Homeowners Insurance in Sulphur Springs, 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 Sulphur Springs
Within 15 miles of Sulphur Springs, 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.
CHRISTUS Health is a large healthcare organization offering a wide range of medical services such as primary care, urgent care, virtual on‑demand care, and specialty treatments across many locations.
Tully Insurance Agency is an independent, family‑owned agency in Hopkins County, Texas with over 35 years of experience. They offer homeowner, auto, commercial and farm & ranch insurance, representing multiple carriers and focusing on personalized service.
Julia Wilhite is a State Farm insurance agent serving Sulphur Springs, TX and surrounding communities. She and her team offer personalized protection for auto, home, renters, life, motorcycle, boat and more. Since joining State Farm in 2019, they focus on friendly, local service.
Bear Littleton State Farm is a Texas‑based insurance agency serving Sulphur Springs and surrounding communities since 2011. It offers a wide range of personal and business insurance products with bilingual (English and Spanish) support and a focus on personalized service and community involvement.
Mattison Insurance Agency, Inc. is an independent agency serving Sulphur Springs, Paris, and Greenville, Texas. They specialize in auto, home, life, and business insurance, partnering with multiple carriers to find tailored coverage. Their priority is helping customers protect what matters most.
Timothy Halcomb is a licensed Allstate agent with 20 years of experience, offering personalized insurance solutions in Sulphur Springs, TX. His agency provides a broad range of options including home, auto, life, and retirement coverage, focusing on customer‑driven service.
Nationwide is one of the nation’s largest insurance providers, offering auto, home, life, and small business insurance through independent agents. The agency emphasizes annual reviews and multi‑policy discounts to help customers simplify and save on coverage.
Rollo Insurance is a network of independent agents offering a wide range of insurance products, including auto, home, business, farm, life & health, and recreation coverage. They emphasize building lasting relationships and personalized service for clients in their local communities.
Licensed insurance agency in Sulphur Springs, TX. Contact directly for available products and carriers.
Licensed insurance agency in Sulphur Springs, TX; represents 1 carrier.
Galyean Insurance is an independent agency creating customized solutions for commercial, employee benefits, and personal insurance needs of Texas residents and businesses.
Dixon & Dixon Insurance is a family‑owned agency in Sulphur Springs, Texas, serving the community since 1974. They provide auto, home, and commercial insurance solutions with a focus on personalized service, honest advice, and affordable rates.
Texas Farm Credit provides agricultural, land, and rural home financing across Texas, backed by over 100 years of local expertise and a customer‑owned structure. It offers a range of loan products and insurance programs for farms, ranches, and rural homes.
South & Crouch Insurance is an independent agency that offers auto and homeowners insurance. They provide multiple carrier options so customers can compare quotes online for homes and vehicles in Sulphur Springs and surrounding Texas areas.
CM SR22 Insurance Group specializes in SR22 auto insurance, offering both standard and non‑owner policies with quick electronic filing and dedicated customer service. They help drivers meet state financial responsibility requirements and provide quotes over the phone.
Licensed insurance agency in Sulphur Springs, TX. Contact directly for available products and carriers.
Licensed insurance agency in Sulphur Springs, TX. Contact directly for available products and carriers.
Licensed insurance agency in Sulphur Springs, TX; represents 1 carrier.
Licensed insurance agency in Sulphur Springs, TX; represents 1 carrier.
Licensed insurance agency in Sulphur Springs, TX; represents 108 carriers.
Licensed insurance agency in Sulphur Springs, TX. Contact directly for available products and carriers.
Licensed insurance agency in Sulphur Springs, TX; represents 5 carriers.
Licensed insurance agency in Sulphur Springs, TX; represents 7 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.