Homeowners Insurance in Hondo, 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.
10 homeowners insurance agencies in Hondo
Within 15 miles of Hondo, TX. Click any agency to view profile, contact info, and request a quote.
Cameron Garcia - State Farm Insurance Agent
Cameron Garcia State Farm, founded in Hondo, TX in 2023, offers auto, home, life, and small business insurance as a State Farm agency. The agency emphasizes fast, friendly service and community involvement, serving English‑ and Spanish‑speaking customers.
A&C Insurance
A&C Insurance offers affordable family‑focused insurance plans with personal support, covering auto, homeowners, renters, commercial and recreational vehicle insurance.
Fohn Bendele Financial Services
Licensed insurance agency in Hondo, TX; represents 13 carriers.
SA4health Insurance Agency
San Antonio Health Insurance Agency dedicated to improving the lives of the community, offering a wide range of health services including Medicaid, Medicare, dental, vision, low‑income, and retirement options.
Brucks Insurance Agency
Licensed insurance agency in Hondo, TX; represents 28 carriers.
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 - Guy Davis
Licensed insurance agency in Hondo, TX. Contact directly for available products and carriers.
Texas Farm Bureau Insurance - John Chapman
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.