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Homeowners Insurance in Fate, 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 Fate

Within 15 miles of Fate, TX. Click any agency to view profile, contact info, and request a quote.

TC

Texas Health Family Care

Royse City, TX· 2.6 mi
Agency
Popular
20+ agents

Care Texas Health offers primary care, urgent care, and on-demand video visits, along with health assessments and wellness resources.

AutoCommercial GLHomeownersRenters+1 more
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HP

Herald Insurance Group Medicare Plans

Royse City, TX· 2.9 mi
Agency
New on InsurConnect
20+ agents

Herald Insurance Group specializes in senior-focused insurance solutions, offering Medicare, health, life, dental, and critical illness coverage with a personalized, customer‑first approach. The agency emphasizes education, value‑added service, and helping clients find affordable plans.

AutoCommercial GLHomeownersLife+2 more
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GC

Great Clips

Royse City, TX· 2.8 mi
Agency
20+ agents

Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.

AutoCommercial GLHomeownersRenters+1 more
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TI

TWFG Caldwell Insurance

Royse City, TX· 3.6 mi
Agency
20+ agents

Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.

AutoCommercial GLHomeownersRenters+1 more
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CP

Crown Notary and Tax Professionals

Royse City, TX· 3.8 mi
Agency
6+ agents10yr

Our family‑owned account service has been serving the community for the last 10 years. Our team includes experienced CPAs and dedicated support to provide both personal and professional financial services.

AutoCommercial GLHomeownersRenters+1 more
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CI

Costlow Insurance

Rowlett, TX· 11.2 mi
Agency
Popular
10+ agents45yr

Costlow Insurance has been providing insurance in Rowlett, Texas since its inception in 1981. Our agency has grown from a single‑owner proprietorship into a full‑service organization offering some of the best insurance values in Texas today.

AutoBoatCommercial GLCommercial Property+5 more
Carriers: American Economy Insurance Company, American Fire and Casualty Company, American Mercury Insurance Company +53
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HA

HI Agency - Wylie

Wylie, TX· 10.6 mi
Agency
Popular
20+ agents20yr

HI Agency offers personalized insurance solutions for auto, home, commercial, life, health, and valuable items, leveraging multiple top‑rated carriers and an in‑house team. They highlight 20+ years of experience and serving over 5,000 families.

AutoCommercial GLHomeownersLife+2 more
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FI

Farmers Insurance - Sylvia Taylor

Rowlett, TX· 11.8 mi
Agency
Very Popular
10+ agents

Farmers Insurance agent serving Rowlett, Texas.

AutoCommercial GLHomeownersLife+2 more
Carriers: Berkshire Hathaway Homestate Insurance Company, Economy Fire & Casualty Company, Economy Preferred Insurance Company +18
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HT

Houston Tullos - State Farm Insurance Agent

Royse City, TX· 0.2 mi
Agency
Popular
1-2 agents4yr

Houston Tullos is a State Farm® Insurance Agent serving the Fate, TX area. He opened the Fate office in 2022 and, together with his team, offers auto, homeowners, renters, life, motorcycle, boat and other insurance products. The agency emphasizes personalized service and community involvement.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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IR

InsuranceBusters.net Rowlett

Rowlett, TX· 8.2 mi
Agency
No reviews yet
20+ agents

Insurance Busters is a multi‑state licensed public insurance adjusting firm that assists policyholders after catastrophic losses such as wildfires. They specialize in handling property claims and have over two decades of experience advocating for insureds.

AutoCommercial GLHomeownersRenters+1 more
Carriers: State Farm
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LS

Living Secured

Royse City, TX· 2.5 mi
Agency
No reviews yet
10+ agents

Licensed insurance agency in Royse City, TX. Contact directly for available products and carriers.

AutoCommercial GLHomeownersRenters+1 more
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WE

William Edwards: Allstate Insurance

Rockwall, TX· 4.9 mi
Agency
3-5 agents

The agency protects families and their assets, focusing on property and casualty insurance such as home, auto, boats, motorcycle, RVs, as well as business and life insurance. They have five knowledgeable staff with over 50 years of industry experience serving more than 3,000 households in Texas.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Allstate
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ML

Mahaffey Insurance Agency LLC

Royse City, TX· 3.8 mi
Agency
No reviews yet
20+ agents

Licensed insurance agency in Royse City, TX; represents 75 carriers.

AutoCommercial GLHomeownersRenters+1 more
Carriers: Ace American Insurance Company, AmGUARD Insurance Company, AmTrust Insurance Company +72
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AM

American Entitlements Medicare

Wylie, TX· 10.7 mi
Agency
Very Popular
10+ agents

Licensed insurance agency in Wylie, TX; represents 96 carriers.

AutoCommercial GLHomeownersRenters+1 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, AMERICAN EQUITY INVESTMENT LIFE INSURANCE COMPANY, ASSURITY LIFE INSURANCE COMPANY +93
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BA

Bob Ellis Insurance Services-Independent Insurance Agency

Wylie, TX· 4.9 mi
Agency
Popular
3-5 agents26yr

Bob Ellis Insurance Services has proudly served the insurance needs of Royse City and all of Texas since 2000. Our independent agency helps you find the best value on auto, home, life, and more.

AutoCommercial GLHomeownersLife+2 more
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TO

Texas State Optical - Forney

Forney, TX· 13.5 mi
Agency
Very Popular
20+ agents

Texas State Optical Forney is an eye care practice offering comprehensive eye exams, contact lens fittings, pediatric eye care, and urgent eye care. Led by Dr. Tam Vo, the clinic emphasizes modern technology, thorough examinations, and personalized service for the Forney community.

AutoCommercial GLHomeownersRenters+1 more
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HI

Hanby Insurance

Rockwall, TX· 4.7 mi
Agency
Very Popular
1-2 agents86yr

Hanby Insurance is an independent agency in Rockwall, Texas, serving North Texas for over 85 years. It offers home, auto, and business insurance solutions with same‑day service and a focus on personalized, responsive support.

AutoCommercial GLHomeownersRenters+1 more
Carriers: AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT, THE, American Economy Insurance Company, American Fire and Casualty Company +34
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DA

DHI Title Agency

Rowlett, TX· 10.8 mi
Agency
10+ agents

DHI Title is a title insurance agency providing title and escrow services, emphasizing an unexpected level of care and service to turn clients into lifelong customers. The company highlights its commitment to protecting client information and delivering high‑quality, accountable decision‑making through motivated teammates.

AutoCommercial GLHomeownersRenters+1 more
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DS

Dominic Schillace - State Farm Insurance Agent

Royse City, TX· 2.5 mi
Agency
Popular
1-2 agents

Schillace Insurance Agency Inc. is a State Farm‑affiliated agency in Royse City, Texas, serving individuals, families and small businesses across North Texas. The team offers a wide range of insurance options—including auto, homeowners, renters, commercial, life, motorcycle and boat coverage—and emphasizes personalized service and community involvement.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: State Farm
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CI

CenTex Insurance Agency, Inc.

Rockwall, TX· 4.9 mi
Agency
New on InsurConnect
3-5 agents60yr

CenTex Insurance provides customized insurance solutions throughout Texas, offering a range of coverages and leveraging over 60 years of experience to meet client needs.

AutoCommercial GLHomeownersLife+2 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +11
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KH

Kari Hargrave - State Farm Insurance Agent

Royse City, TX· 3.7 mi
Agency
Very Popular
1-2 agents20yr

Kari Hargrave is a State Farm insurance agent in Royse City, TX, serving the community since 2006. She and her team offer a variety of insurance products in English and Spanish, with over 50 years of combined experience.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: STATE FARM GENERAL INSURANCE COMPANY, State Farm Classic Insurance Company, State Farm County Mutual Insurance Company of Texas +4
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CI

CINCO Auto Insurance

Garland, TX· 14.8 mi
Agency
Very Popular
10+ agents

Cinco Auto Insurance is a fast‑growing Texas‑based agency offering auto, home, renters, and commercial insurance solutions, backed by over 7,000 five‑star Google reviews. They emphasize bilingual service, competitive rates, and quick coverage through a network of hand‑picked carriers.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
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KI

KAS AUTO INSURANCE

Wylie, TX· 10.3 mi
Agency
New on InsurConnect
10+ agents15yr

At KAS Auto Insurance we’ve been serving the Texas community for over 15 years. Our dedicated team provides personalized service to help clients find the right auto, home, and business coverage for their unique needs.

Spanish
AutoCommercial GLCommercial PropertyHomeowners+2 more
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SL

Salt Jacket Insurance Services, LLC: Allstate Insurance

Rockwall, TX· 5.8 mi
Agency
Very Popular

Salt Jacket Insurance Services, LLC is an Allstate agency in Rockwall, Texas. They emphasize community knowledge and a wide variety of coverage options to protect families, homes, cars, and more. The agency highlights personalized service and long‑term financial protection for local residents.

Spanish
AutoBoatCommercial GLHomeowners+4 more
Carriers: Allstate
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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.