Homeowners Insurance in West, 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.
21 homeowners insurance agencies in West
Within 15 miles of West, 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.
Nicole Omo has been operating her State Farm agency in Waco for 8 years, bringing 25 years of corporate experience. She emphasizes personal service, community involvement, and offering a range of insurance products for home, auto, life, and health. The agency aims to treat clients like family while providing comprehensive coverage options.
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.
Direct Auto Insurance agency located at 119 Eastgate Plaza in Bellmead, Texas. It offers car insurance, term life insurance, SR‑22 filings, roadside assistance and other related products.
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.
Licensed insurance agency in Waco, TX; represents 43 carriers.
Licensed insurance agency in Woodway, TX; represents 17 carriers.
Licensed insurance agency in West, TX; represents 43 carriers.
Licensed insurance agency in West, TX; represents 47 carriers.
Licensed insurance agency in West, TX; represents 49 carriers.
Licensed insurance agency in West, TX; represents 5 carriers.
Licensed insurance agency in West, TX. Contact directly for available products and carriers.
Licensed insurance agency in Elm Mott, TX; represents 11 carriers.
Licensed insurance agency in Bellmead, TX; represents 18 carriers.
Licensed insurance agency in Axtell, TX; represents 3 carriers.
Licensed insurance agency in Mount Calm, TX; represents 24 carriers.
Licensed insurance agency in Waco, TX; represents 7 carriers.
Licensed insurance agency in China Spring, TX; represents 52 carriers.
Licensed insurance agency in China Spring, TX; represents 2 carriers.
Licensed insurance agency in China Spring, TX; represents 66 carriers.
Licensed insurance agency in China Spring, 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.