Homeowners Insurance in Hempstead, 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.
15 homeowners insurance agencies in Hempstead
Within 15 miles of Hempstead, TX. Click any agency to view profile, contact info, and request a quote.
Edmonds Insurance
Edmonds Insurance Agency is an independent Texas agency offering auto, home, business, farm, life, and recreation insurance. With over 40 years of experience, they work with 30+ carriers to provide personalized coverage across multiple Texas locations.
Farmers Insurance - La Tonia Chapel
Licensed insurance agency in Hempstead, TX; represents 1 carrier.
Edmonds Insurance
Edmonds Insurance Agency is an independent Texas agency offering auto, home, business, farm, life and recreational insurance. They partner with 30+ carriers and have over 40 years of experience serving families and businesses across multiple Texas locations.
Edmonds Insurance
At Edmonds Insurance, we believe coverage should feel personal, not complicated. For generations, our family has helped Texans protect their homes, farms, businesses, and the things that matter most.
The Chapel Agency
Farmers Insurance agents serving Hempstead, Texas, offering a range of personal insurance products including auto, home, renters, and life coverage.
Knight Insurance Agency
We are Knight Insurance Agency, an independent insurance agency, dedicated to providing affordable insurance and proper coverage to the residents of Hempstead, TX and the surrounding areas. With over 25 years of experience and access to multiple insurance carriers, we provide superior service and the best value for your dollar.
Howard Insurance
Licensed insurance agency in Hempstead, TX. Contact directly for available products and carriers.
Texas One Insurance
Texas One Insurance provides affordable insurance solutions for individuals and businesses, offering coverage such as auto, home, and liability policies. The agency emphasizes integrity, honesty, and transparency while focusing on long‑term client relationships.
Century Insurance Agency
Life and Health Insurance of Texas offers a wide range of products including auto, home, business, and life insurance to meet customers' specific needs, helping families plan for future financial security.
Goosehead Insurance - Miranda Peltzman
Goosehead Insurance offers home, auto, renters, boat, motorcycle, and flood insurance, providing quotes from over 200 carriers to help customers find the right coverage and price.
ISB Insurance Services
ISB Insurance is an independent insurance agency located in Waller, Texas. Give us a call, stop by, or request a quote online to find out how much we can save you on your insurance.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Waller, TX; represents 1 carrier.
Doug Light
Licensed insurance agency in Waller, TX; represents 5 carriers.
KDS Insurance Services
KDS Insurance Services provides comprehensive commercial insurance solutions for businesses of all sizes while also offering personal lines such as auto and home coverage. Their experienced team focuses on personalized service to meet each client’s unique insurance needs.
Waller County Farm Bureau
Licensed insurance agency in Waller, 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.