Homeowners Insurance in Livingston, 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.
13 homeowners insurance agencies in Livingston
Within 15 miles of Livingston, TX. Click any agency to view profile, contact info, and request a quote.
Bradley Welborn - State Farm Insurance Agent
Bradley Welborn is a State Farm insurance agent serving Livingston and surrounding Southeast Texas areas. The agency offers auto, homeowners, renters, life, motorcycle and boat insurance along with business and financial services. They provide English and Spanish support and have been in business since 1982.
6F | FarmCo Insurance
FARMCO Insurance is an independent agency in Livingston, TX offering auto, homeowners, life, and farm & ranch insurance. With over 25 years of experience, the agency emphasizes personalized service and free consultations.
Livingston Insurance Agency
Porter, New Caney, Shepherd & Livingston Insurance Agency has been serving the local community since 1979, offering auto, home and commercial insurance. They focus on finding affordable coverage by shopping the market for the best rates and provide bilingual service in English and Spanish.
First Community Insurance Group
First Community Insurance Group has been a vital part of Texas since 1919, offering a range of personal and commercial insurance options. Their experienced team focuses on understanding client needs and providing service that aligns with community values. They emphasize relationship‑building and invite customers to experience their friendly, knowledgeable approach.
Christopher Scott - State Farm Insurance Agent
State Farm agent Christopher Scott has 23 years of experience delivering personalized insurance solutions across auto, home, life, business and more to Texas customers. He emphasizes value, proper coverage, and ongoing service, earning a 4.7/5 rating on Google.
HUB International
The Livingston, Texas office of HUB International, formerly ANCO Insurance, provides business, employee benefits, and industry‑specific insurance solutions such as agribusiness, construction, and transportation coverage, leveraging local expertise and the resources of a global brokerage.
Carrell Insurance
Carrell Insurance is an independent agency serving its community since 1975, offering personalized service and a commitment to local residents. They provide a range of insurance options, from auto and home to commercial and life coverage, working with multiple carriers to find the best fit. The agency emphasizes a family‑first approach and strives to make the insurance process stress‑free.
Carter Insurance
Carter Insurance is a local independent insurance company serving Livingston, TX and surrounding areas. Their agents provide auto, homeowners, life, and commercial insurance options to meet a variety of customer needs.
Texas Farm Bureau Insurance Company
Licensed insurance agency in Livingston, TX; represents 1 carrier.
Farmers Insurance - Benny Fogleman
Licensed insurance agency in Livingston, TX; represents 1 carrier.
K&L Insurance Agency
Licensed insurance agency in Livingston, TX; represents 8 carriers.
Insured By Kwame
Licensed insurance agency in Livingston, TX. Contact directly for available products and carriers.
Kayla Mullens Texas Farm Bureau
Licensed insurance agency in Livingston, TX. Contact directly for available products and carriers.
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.