Homeowners Insurance in Coldspring, 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.
8 homeowners insurance agencies in Coldspring
Within 15 miles of Coldspring, TX. Click any agency to view profile, contact info, and request a quote.
Premier Property Group Livingston Tx
Premier Property Group connects families with their dream homes in East Texas. Co‑founded by real‑estate professionals Katelyn Munsinger and Madeline Phillips, the team offers buying, selling, renting, commercial and land services.
Christopher Scott - State Farm Insurance Agent
State Farm agent Christopher Scott has 23 years of experience delivering personalized insurance solutions across auto, home, life, business and more to Texas customers. He emphasizes value, proper coverage, and ongoing service, earning a 4.7/5 rating on Google.
Carrell Insurance
Carrell Insurance is an independent agency serving its community since 1975, offering personalized service and a commitment to local residents. They provide a range of insurance options, from auto and home to commercial and life coverage, working with multiple carriers to find the best fit. The agency emphasizes a family‑first approach and strives to make the insurance process stress‑free.
Farmers Insurance - Benny Fogleman
Licensed insurance agency in Livingston, TX; represents 1 carrier.
Carter Insurance
Carter Insurance is a local independent insurance company serving Livingston, TX and surrounding areas. Their agents provide auto, homeowners, life, and commercial insurance options to meet a variety of customer needs.
Farmers Insurance - Benny Fogleman
Licensed insurance agency in Livingston, TX; represents 1 carrier.
K&L Insurance Agency
Licensed insurance agency in Livingston, TX; represents 8 carriers.
Lima Insurance
Licensed insurance agency in Livingston, 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.