Homeowners Insurance in Galveston, 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.
Homeowners insurance in Galveston, TX: 24 licensed insurance agencies serve 53,963 residents in Galveston County. auto premiums average $2,500 per year — 9% below the Texas state average. hurricane + wind drives 55% of homeowner claims.
24 homeowners insurance agencies in Galveston
Within 15 miles of Galveston, TX. Click any agency to view profile, contact info, and request a quote.
TIA-Texas Insurance Agency
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that provides affordable auto, homeowners, renters, commercial, motorcycle, boat and flood insurance with free quotes and personalized service across Texas.
SMI Insurance
SMI Agency, founded in 1981 in Galveston, Texas, provides a wide range of personal and commercial insurance policies across Texas, including homeowners, renters, flood, and liability coverage. The agency emphasizes integrity, customer focus, and community values while serving individuals and businesses.
Freeway Insurance
Freeway Insurance provides a full range of insurance products across all 50 U.S. states, offering online quotes and phone assistance. The Galveston, TX location can be reached for support at 800‑777‑5620.
The O'Donohoe Agency
The O'Donohoe Agency is a full-service insurance agency in Galveston, Texas, offering auto, home, life, renters, and motorcycle insurance since its founding in 1967.
Ai United Insurance
Ai United Insurance offers auto, home, renters, motorcycle and commercial insurance with an online quote process, emphasizing fast, easy and affordable coverage for all needs.
Freeway Insurance
Freeway Insurance provides a full range of insurance products and can support all your insurance needs across all 50 U.S. states. The site offers quick online quotes and phone assistance for various lines of coverage.
GIA Insurance
GIA Insurance, founded in 1892, is an independent agency serving Galveston County and the Houston area with over 40 professionals. It offers personal coverage for homeowners and auto owners as well as business coverage for companies of various sizes. The agency emphasizes service before and after storms and is part of the Independent Insurance Agents & Brokers of America network.
Rochkind Insurance
Rochkind Insurance, founded in 1987, is a family‑owned agency serving Galveston and the greater Houston area. It offers life, homeowners, auto, commercial, windstorm and flood insurance to individuals, families and businesses.
Bergvall Insurance
Bergvall Insurance Agency is a family‑owned insurance agency in Texas City offering auto and homeowners coverage. They emphasize personalized service and highlight that clients find them understanding, personable, and providing great customer service.
Farmers Insurance - Luke Bohlman
Licensed insurance agency in Galveston, TX; represents 1 carrier.
Stewart Title of Houston - Galveston Texas City
Stewart Title provides title and closing services nationwide, offering tools and resources for real estate professionals, home buyers, sellers, and builders. The company focuses on delivering reliable title services and supports independent agencies through its Stewart Trusted Providers network.
Brightway Insurance, The Vela Agency
The brighter way to do insurance. It’s not the same way others do insurance, it’s the right way.
Richard Glaser Insurance
Glaser Financial Services is a financial advisory firm offering insurance and retirement solutions. They serve clients in Galveston and Corpus Christi, Texas.
Foree Insurance
Ronald Foree Insurance Agency has been providing insurance coverage since 1993 in the Houston/LaMarque area, offering auto, home, boat, windstorm, business and other policies. They emphasize personalized service, discounts and umbrella protection for clients.
Insurancebusters.net
InsuranceBusters.net is a multi‑state licensed public insurance adjusting firm that assists policyholders after catastrophic loss events. They specialize in handling all types of property claims, including homeowners, renters, commercial and auto, and have been operating for roughly two decades. Their fee is 10% of recovered amounts above a 20% threshold.
Texas First Insurance
Texas First Insurance has been serving Texans since 1925, offering personal and commercial insurance solutions throughout the greater Houston area. The agency emphasizes a consultative approach and local community involvement.
Heffernan Insurance Inc
Heffernan Insurance Agency, Inc. is a family‑owned agency in Galveston, Texas with over 100 years of roots in Galveston County. They emphasize customer service and offer personalized policies at low prices.
Insurance Junction
Insurance Junction is an independent insurance agency serving Galveston County and surrounding Texas coastal communities since 1996. They provide personal and commercial insurance options including auto, homeowners, renters, flood, umbrella, boat and various commercial coverages.
Michael W Price Insurance
American National is a group of companies offering a broad array of insurance and retirement solutions, operating in all 50 states. The company writes life insurance, annuities, pension products, and property and casualty insurance through various affiliates.
American Proud Insurance
American Proud Insurance is a family‑owned agency offering fast, friendly, and reliable service. They provide a range of coverage including auto, homeowners, flood, windstorm, business and Mexico insurance, emphasizing personalized protection for families and businesses.
Helix Insurance Group
Helix Insurance Group is a Texas‑based agency offering personal and commercial insurance solutions, including auto, home, life, motorcycle and business coverage. They emphasize real people, real coverage and aim to provide smart, simple solutions for their customers.
American National
American National is a group of companies that writes a broad array of insurance products and services, operating in all 50 states. Founded in 1905, its headquarters are in Galveston, Texas, with additional operations in Springfield, Missouri.
3E Insurance
Primerica is a financial services agency that provides term life insurance, auto and homeowners insurance, as well as investment and debt solutions to families. Their representatives aim to educate clients on financial fundamentals and match them with suitable products.
UTMB Health Plans Inc
UTMB Health is a large academic health system serving Southeast Texas with hospitals, clinics, education, and research. The site provides information on billing and insurance options for patients.
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.