Homeowners Insurance in Temple, 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 Temple
Within 15 miles of Temple, TX. Click any agency to view profile, contact info, and request a quote.
ALPA Insurance
ALPA Auto Insurance is a Texas‑based agency that provides quick, commitment‑free insurance quotes for auto, motorcycle, renters, homeowners and commercial lines. They serve both English‑ and Spanish‑speaking customers and emphasize low rates and simple, no‑drama service.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
Acceptance Insurance
Licensed insurance agency in Temple, TX; represents 2 carriers.
Freeway Insurance
Licensed insurance agency in Temple, TX; represents 6 carriers.
Direct Auto Insurance
Direct Auto is a local insurance agency located inside the H.E.B. in Temple, Texas. They offer a range of insurance products including auto, term life, motorcycle, and SR‑22 coverage with flexible payment options. The office is open Monday‑Friday 9 AM‑6 PM and Saturday 10 AM‑4 PM.
Shaffin Wegener - State Farm Insurance Agent
Shaffin Wegener is a State Farm agent in Temple, Texas, ranked among the Top 100 State Farm agents nationwide. The family‑owned agency offers auto, homeowners, renters, life, commercial, motorcycle and boat insurance, emphasizing fast, personal service. They serve the local community with multiple contact options and a strong online presence.
Winkler Insurance Agency
Trusted Home, Auto & Life Insurance in Temple, Texas since 2006. Protecting families with competitive rates, personalized service, and protection when it matters most.
Pronto Insurance
At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. Proudly serving the community, we specialize in auto, home, renters and business insurance. We offer access to more than 30 insurance companies to ensure you get the best protection at the lowest price.
Nichole Guajardo - State Farm Insurance Agent
Nichole Guajardo is a State Farm insurance agent serving Temple, TX and surrounding areas, offering auto, home, renters, life, business, and other insurance products. The bilingual office has been operating since August 2018 and focuses on personalized, community‑focused service.
David Jennings - State Farm Insurance Agent
David Jennings runs the State Farm insurance agency in Temple, Texas, offering auto, homeowners, renters, life, motorcycle and boat insurance. The agency has been serving the community since 1962 and emphasizes personalized service and a friendly environment.
Pronto Insurance
At Pronto Insurance, getting affordable, fast and reliable coverage across Texas is simple. They specialize in auto, home, renters and business insurance and offer access to more than 30 insurance companies.
BKCW Insurance
BKCW is a third‑generation family‑owned insurance brokerage founded in 1952 that provides risk management, insurance procurement, and employee benefits consulting for businesses, helping improve risk profiles and reduce costs.
AllAbout Insurance
We operate a full service insurance agency offering coverage for homes, autos, motorcycles, boats, commercial autos, general liability, umbrella, annuities, health, burial policies, and ranch insurance.
Remco Auto Insurance
Licensed insurance agency in Temple, TX; represents 9 carriers.
Extraco Insurance | Belton
Extraco Insurance offers home, auto, life, and business insurance options, helping customers find competitive rates and tailored coverage.
Timothy Davis - Aflac Insurance Agent
Aflac offers supplemental insurance products such as accident, cancer, critical illness, dental, vision, life, disability and pet coverage to help individuals and employees fill gaps left by traditional health plans. The agency provides tools like quote forms and calculators to assist customers in choosing the right protection. It emphasizes financial peace of mind through a range of supplemental policies.
Farmers Insurance - Ronnie Gaines
Licensed insurance agency in Temple, TX; represents 1 carrier.
Standard Insurance Agency
The Standard Insurance group of companies, founded in 1954 and based in Colleyville, Texas, underwrites, finances and markets standard and non‑standard automobile and homeowner insurance across multiple Texas markets.
Texas Liberty Insurance
Texas Liberty Insurance Agency offers life, home, auto, and business insurance solutions with a focus on customized coverage and strong customer service. The agency highlights its expertise and commitment to protecting clients’ futures.
Texian Insurance Agency Inc.
Texian Insurance provides live representative service, offering personalized assistance for insurance needs across auto, home, business, life, renters, RV, boat, and motorcycle coverage.
Tyler Jermstad - State Farm Insurance Agent
Tyler Jermstad is a State Farm® insurance agent in Temple, Texas. He opened his agency in 2015 and leads a team that serves the Central Texas community with a focus on auto, homeowners, life, and other insurance products. The agency is active in local charities and has earned multiple community awards.
Lauren Smith - State Farm Insurance Agent
Lauren Smith is a State Farm insurance agent in Belton, Texas, operating since 2017 with over 13 years of experience. She offers a range of insurance products including auto, homeowners, renters, life, motorcycle and boat coverage, and serves the Bell County area.
Acrisure Temple, TX (The David Nix Agency)
Acrisure is an insurance and business solutions provider offering personal and commercial coverage, employee benefits, cybersecurity, and more. They connect customers to a range of insurance options through advanced technology and a team of experts.
Budget Auto Insurance
Cheap Auto Insurance provides affordable car insurance coverage, offering low‑cost premiums, discounts, and a quick online quote system. The agency emphasizes helping customers compare quotes from multiple insurers to find the best rates and comprehensive coverage.
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.