Homeowners Insurance in Kemp, 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.
23 homeowners insurance agencies in Kemp
Within 15 miles of Kemp, TX. Click any agency to view profile, contact info, and request a quote.
Folsom Insurance
Cody Folsom Insurance specializes in trucking insurance, offering general liability, physical damage, cargo and other coverage options. They emphasize fast quotes, instant certificates, and competitive pricing across 25 states.
Groom Insurance & Tax Agency
Groom Insurance Agency is an independent insurance agency offering 24/7 support. They provide auto and homeowners insurance quotes online and work with multiple carriers to find the right coverage for customers.
Mc Afee Insurance
McAfee Insurance is an independent agency focused on personalized customer service, offering a range of insurance solutions for individuals and businesses. They emphasize local, hometown service in Historic Downtown Mabank and work to match policies to each client’s lifestyle and needs.
Insurance One Agency LC
Insurance One Agency, LC is an independent insurance agency with over 16 offices across Texas offering personal and business insurance solutions. They provide a range of coverages including auto, homeowners, motorcycle, umbrella, commercial liability and flood insurance. Their focus is on local insight combined with statewide service capacity.
Patterson Insurance Agency
Patterson Insurance is a regional agency serving Texas and Louisiana, offering a streamlined process to find the best insurance coverage by shopping top national carriers on behalf of clients. They emphasize personal service, clarity, and value, aiming to save customers time and provide options that fit their needs.
Zach Pruitt - State Farm Insurance Agent
Zach Pruitt is a 2nd‑generation State Farm agent serving Texas and Arkansas, offering a wide range of personal and commercial insurance products. He emphasizes a customer‑first approach, helping clients with everything from auto and home coverage to life, health, and farm insurance.
Moseley Insurance
Moseley Insurance, located in Mabank, TX, provides auto, property, health, and business insurance solutions, drawing on over 40 years of industry experience to help customers protect their assets and lives.
Melissa Woodland - State Farm Insurance Agent
Melissa Woodland is a State Farm insurance agent serving Gun Barrel City, TX and surrounding communities. She offers auto, homeowners, renters, life, boat, motorcycle and other insurance products. She has been in the industry since 2007.
Moore Insurance Agency
Nationwide is a Fortune 100 insurance and financial services company offering a full range of products, including auto, homeowners, renters, life, farm, commercial, and specialty insurance, to individuals and businesses across the United States.
iscential Insurance: Mike Moore Agency
Iscential is an independent insurance, risk management, and financial services agency headquartered in Houston, Texas. Since 1993 they have served individuals, families, and businesses across 35 states, working with over 140 carriers to provide tailored coverage solutions.
King Insurance Agency
As an independent insurance agent we can offer accurate coverages with the personal touch you would expect from your neighborhood insurance agent. Quickly and easily submit your application for a free automobile insurance quote.
Merritt Insurance Services, LLC
Merritt Insurance Services provides customized business and personal insurance policies, focusing on understanding each client’s unique goals and exposures. They offer a range of coverage options from general liability and commercial auto to homeowners, auto, farm, renters, umbrella, and boat insurance, aiming to protect both businesses and families.
LCI Livestock Insurance Services
LCI Merritt Livestock Insurance provides specialized equine and livestock coverage, including health, life, liability and farm insurance tailored to horse owners, riders and related businesses. Their agents are horse owners and competitors, and they partner with Lloyd's of London for underwriting.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Mabank, TX; represents 1 carrier.
Ruth Martin Insurance
Ruth Martin Insurance provides homeowners and auto insurance in Gun Barrel City and Athens, TX, offering personal, commercial, and motorcycle coverage with over 30 years of experience.
Payne Insurance Agency
Licensed insurance agency in Kemp, TX. Contact directly for available products and carriers.
Insurance Concepts-Cedar Creek
Safeco Insurance provides auto, home, motorcycle, and boat insurance through independent agents, emphasizing clear coverage and financial strength. The site highlights discounts, mobile app access, and easy claims handling.
Total Shield Insurance Services
Licensed insurance agency in Kemp, TX; represents 12 carriers.
Texas Health Resources
Licensed insurance agency in Mabank, TX; represents 3 carriers.
The Seniors Group of Texas
Licensed insurance agency in Mabank, TX; represents 21 carriers.
David Adams: Allstate Insurance
David Adams is an Allstate agent in Kaufman, TX who knows local families and helps them choose insurance solutions that meet their needs. He offers a wide variety of coverage options, including auto, home, renters, motorcycle, life, and boat insurance.
D W Story $ Associates, Inc.
D.W. Story & Associates, Inc. is a subrogation and commercial recovery firm founded in 1985, helping insurers and creditors reclaim losses through investigation, negotiation, and legal action. They offer services such as trucking and transportation subrogation, self‑insured subrogation, commercial collections, cargo collections, downtime collections, and incidental collections.
Fred Loya Insurance
Fred Loya Insurance provides auto insurance coverage with immediate issuance, multiple discounts and a network of over 800 offices across 12 states, helping drivers find affordable policies quickly. The site emphasizes easy online quotes and 24‑hour roadside assistance.
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.