Homeowners Insurance in Odessa, 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.
24 homeowners insurance agencies in Odessa
Within 15 miles of Odessa, TX. Click any agency to view profile, contact info, and request a quote.
Higginbotham - Odessa
Higginbotham’s Odessa office, founded in 1986 and part of the national brokerage since 2014, offers personalized insurance solutions for individuals, families, and businesses, covering home, auto, life, and a range of commercial lines.
Mindy Villalobos Insurance Agency
Licensed insurance agency in Odessa, TX; represents 1 carrier.
Amtex Insurance
Amtex Insurance offers affordable auto, home, and business insurance, focusing on personalized service and community involvement.
Amtex Insurance
Amtex Insurance provides affordable auto, home, renters, commercial and motorcycle insurance with a focus on personalized, local service for Texas communities. They emphasize low rates, quick quotes, and support through real agents and an online portal.
Crystal Johnson - State Farm Insurance Agent
Crystal Johnson is a State Farm insurance agent in Odessa, Texas. She opened her own agency in 2017 and has been serving the community for over eight years, offering a range of personal and business insurance products.
ASA MUTUAL INSURANCE GROUP, LLC.
Licensed insurance agency in Odessa, TX; represents 33 carriers.
VENERABLE MANAGING GENERAL AGENCY, INC.
Licensed insurance agency in Odessa, TX; represents 17 carriers.
KAIGE KUBOTA, LLC
Licensed insurance agency in Odessa, TX; represents 1 carrier.
TX PRIORITY INSURANCE AGENCY LLC
Licensed insurance agency in Odessa, TX; represents 21 carriers.
HANER INSURANCE GROUP, LLC.
Licensed insurance agency in Odessa, TX; represents 68 carriers.
WAID INSURANCE AGENCY INC
Licensed insurance agency in Odessa, TX; represents 18 carriers.
HSB INSURANCE AGENCY, L.L.C
Licensed insurance agency in Odessa, TX; represents 50 carriers.
Direct Auto Insurance
Direct Auto agents in Odessa offer car insurance, term life insurance, roadside assistance, SR‑22 filings and other auto‑related products, with flexible payment options. Their office is located inside a Walmart on John Ben Shepperd Parkway and serves customers in Odessa, TX.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community‑focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies offering over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more while delivering personalized service you can count on.
Karla Grimes - State Farm Insurance Agent
Karla Grimes is a State Farm insurance agent with over 30 years of experience serving Odessa and the Permian Basin. Her agency offers auto, home, business, life, and other insurance products, emphasizing personalized service.
Freeway Insurance
Licensed insurance agency in Odessa, TX; represents 6 carriers.
A-MAX Auto Insurance
A-MAX Insurance is a trusted, community-focused insurance agency that helps customers compare coverage options from 35+ top‑rated insurance companies comparing over 400+ plans. We make it easy to find affordable protection for your car, home, roadside assistance and more – all while delivering personalized service you can count on.
Killebrew Insurance LLC
Killebrew Insurance LLC is a family‑owned independent agency serving the Permian Basin since 1974, offering auto, homeowners, renters and business insurance through multiple carriers with local agents in Midland and Odessa.
Mike Podzemny - State Farm Insurance Agent
Mike Podzemny is a State Farm insurance agent serving the Odessa, Texas community since 1989. He and his team provide personalized auto, home, life, and other insurance solutions to individuals and businesses throughout the Permian Basin.
Laura Edge - State Farm Insurance Agent
Laura Edge is a State Farm® insurance agent serving Odessa and the Permian Basin, offering auto, homeowners, renters, life, motorcycle, and boat insurance along with other personal coverage. Her bilingual team provides 24/7 service, both in‑person and virtual appointments, focusing on personalized solutions for individuals and small businesses.
Martinez and Associates Insurance
Martinez & Associates Insurance Services is a multi‑line insurance agency providing personalized coverage for families and businesses in Odessa and across Texas. They offer auto, home, business, and life & health insurance with a focus on friendly customer service and competitive rates.
Vickers Insurance Co
Vickers Insurance is a Texas‑based agency offering personal and commercial insurance solutions with a focus on relationship‑focused service and quick policy issuance. They provide a range of products from auto, home, life, boat, and motorcycle coverage to commercial property and umbrella policies.
Farmers Insurance - Eric Easley
Licensed insurance agency in Odessa, 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.