Homeowners Insurance in Devine, 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.
7 homeowners insurance agencies in Devine
Within 15 miles of Devine, TX. Click any agency to view profile, contact info, and request a quote.
Alexander Insurance Agency - Devine
Alexander Insurance Agency helps shoppers save money, businesses reduce risk, and families protect their financial futures. They serve South Texas with independent agents offering affordable products and a hometown feel.
Alexander Insurance Agency - Lytle
Alexander Insurance Agency is an independent agency serving South Texas, offering a range of insurance products to help individuals, families, and businesses protect their financial future.
Texas Farm Bureau Insurance - Minna Rothe
Licensed insurance agency in Hondo, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Hondo, TX; represents 1 carrier.
Texas Farm Bureau Insurance - John Chapman
Licensed insurance agency in Hondo, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance - Guy Davis
Licensed insurance agency in Hondo, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance - J P Meuth
Licensed insurance agency in Hondo, TX; represents 1 carrier.
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.