Save Up to 40% Per Year on Home Insurance
Protect your Humble home with coverage built around your property and needs.
We have access to 100+ leading carriers in Texas to find the best insurance for your home and family.
“Richey Insurance Agency works for you, not just one insurance agency!”
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A homeowners policy can protect your home, belongings, and finances from covered losses. Typical coverage includes:
Helps repair or rebuild your home after a covered loss, such as fire or certain storm damage.
Covers qualifying structures separate from your home, such as detached garages, sheds, and fences.
Helps protect belongings such as furniture, clothing, electronics, and other personal possessions after a covered loss.
Helps protect you financially if you’re legally responsible for someone else’s injury or property damage.
Helps cover certain medical expenses when a guest is injured on your property, subject to policy terms.
May help pay certain increased living costs if a covered loss makes your home temporarily unlivable.
Coverage limits, deductibles, exclusions, and covered losses vary by policy, so comparing the details, not just the premium, is important.
Humble’s location near the San Jacinto River and Lake Houston makes flood exposure an important consideration for some homeowners. During Hurricane Harvey, the National Weather Service documented major flooding along the San Jacinto River, with more than 664 homes damaged and affected areas extending from Humble toward Lake Houston. (weather.gov)
So what does that mean for your home? Standard homeowners insurance generally does not cover flood damage. Your property’s location, elevation, drainage, and flood exposure can therefore affect whether separate flood insurance should be considered.
Humble’s housing market also varies significantly by neighborhood, so insurance needs aren’t one-size-fits-all. Home construction, roof, replacement cost, location, coverage limits, and local risk can all affect how an insurer evaluates your property.
Richey Insurance Agency can compare options from 100+ carriers and help you understand how coverage, deductibles, exclusions, and separate flood protection may apply to your particular Humble home.
Get a free home insurance comparison from Richey Insurance Agency. We compare coverage options from 100+ leading carriers to help you find coverage that fits your home and needs.
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Typical/average home insurance cost in Humble: $1,940 to $5,989 per year (about $162 to $499 per month).
This is Richey Insurance Agency’s data/analysis, provided as a reference, not a guaranteed rate. Your actual premium can be higher or lower depending on factors such as your home’s age and condition, replacement cost, roof, location, coverage limits, deductible, claims history, local risks, and the insurance company.
So what should you take from this range? Two homes in Humble can have very different premiums even when they’re close to each other. Comparing the coverage behind each quote is just as important as comparing the price.
Richey works with 100+ carriers, giving you the opportunity to compare available options for your specific home and coverage needs.
Richey Insurance Agency has access to 100+ insurance carriers in Texas, giving Humble homeowners more options to compare than they may have when approaching a single insurer. We help you look at coverage, deductibles, exclusions, and pricing together, not just the lowest premium.
Clinton Richey has worked in insurance since 1990, bringing decades of experience helping Texas customers navigate insurance decisions. Richey’s customer reviews also consistently highlight responsiveness, communication, and help comparing insurance options.
For Humble homeowners, that experience matters because local factors such as flooding, severe weather, property characteristics, and replacement costs can affect how a policy should be evaluated.
“When homeowners compare insurance, it’s easy to focus on the price first. We always encourage them to look at what they’re actually getting for that price, especially the coverage, deductibles, and exclusions. A lower premium doesn’t necessarily mean better protection for their home.”
Clinton Richey, Founder, Richey Insurance Agency
$328,225 – Median Listing Price in Humble
As of August 2026, the median listing price across the Humble housing market was $328,225, according to Realtor.com. Prices vary significantly between local communities, reinforcing that properties in Humble don’t all present the same insurance considerations.
A home’s market value isn’t the same as its insurance replacement cost. Your dwelling coverage should reflect the estimated cost to rebuild your specific home, while factors such as construction, roof, location, and coverage limits can affect the premium.
$3,506 – Preliminary 2025 Average Annual Texas Homeowners Premium
The Texas Department of Insurance reports a preliminary statewide average homeowners premium of $3,506 for 2025. This is a Texas-wide figure, not a Humble-specific rate, but it illustrates why comparing insurers can matter in the state’s homeowners market.
Your home’s premium can differ substantially from the statewide average. Richey’s access to 100+ carriers allows us to compare available coverage options for your particular property.
Choosing homeowners insurance is about more than finding a policy with a price that looks good on paper. Clinton Richey has worked in the insurance industry since 1990, and Richey Insurance Agency was founded in 2008, giving the agency a long-standing presence in the Texas insurance market.
Today, Richey works with 100+ insurance carriers, helping homeowners in Humble and the surrounding area compare coverage options based on their property, needs, and circumstances.
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"Richey Insurance Agency, I love this wonderful company and all the people who work there, they are caring about people like me, that have trouble sometimes communicating or don’t have the resources to get things done right. I’m very grateful to the whole company for their support and fantastic work and help that I’ve been getting from them, thank you guys so much, keep up the good work and amazing attitude as well!"
"If you want to save thousands of dollars on home owners insurance this is the company. They'll do all the research for Auto and Home Owners and gave you all kinds of options! You owe it to yourself to at least have them check what's available."
"I would like to HIGHLY RECOMMEND Riches Insurance Agency for anyone that is shopping around for insurance!!! I am SO VERY HAPPY to say that collectively they just saved me $1,921/yr on my Home and TWIA insurance!!! Abbey is absolutely AMAZING, she is very thorough and helped me to understand all of my options!!!! Thank you very much, I greatly appreciate all your efforts!"
"My wife and I have been with Richey Insurance for more than 10 years. Probably more than 15yrs. Of all that time, I feel we have very good customer service excluding one time during Covid when they was short on employees and a major insurance company closed policies so they were busy contacting customers and writing new policies. I like how they managed my accounts and hope they stay in business many more years! Lastly, we was helped by Neesha Heesen this last time. Very professional and kept me informed via phone, text and email."
"I had the opportunity to work with Clint Richey and all I can say is that he took such good care of my clients that they were overwhelmed with the excellent customer service. The cost of the insurance policy was substantially lower and the amount of coverage was superior, to other policies that were reviewed. Clint Richey and his staff did a great job, and I will continue to send my clients over to Clint Richey's Insurance Agency."
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Get clear answers to the home insurance questions homeowners ask us most.
It depends on your property’s location and flood exposure, but it’s worth considering. Standard homeowners insurance generally does not cover flood damage, and flooding can affect properties outside areas commonly considered high-risk. A flood policy may provide protection that your homeowners policy does not.
Richey Insurance Agency offers flood insurance to help Humble homeowners explore coverage for flood-related risks.
Potentially. Properties near Lake Houston, the San Jacinto River, and other waterways can have different flood exposure depending on their specific location, elevation, drainage, and flood zone. That doesn’t automatically determine your premium or coverage, but it is an important factor to consider when evaluating insurance for a Humble home.
Insurance companies evaluate individual properties rather than simply pricing every home in Humble the same way. Differences in the home’s age, roof, construction, replacement cost, location, claims history, coverage limits, and deductible can all affect the premium. Richey Insurance Agency works with 100+ carriers, allowing us to compare how different insurers evaluate your particular property.
Not necessarily. Your home’s market value and its estimated replacement cost are different measurements. Dwelling coverage is generally intended to reflect the cost to rebuild the home after a covered loss, while factors such as your personal belongings and liability needs affect other parts of the policy. Richey can help you review the coverage limits when comparing policies.
Yes. Richey Insurance Agency works with 100+ insurance carriers and provides both home insurance and flood insurance. We can help you compare available options based on your Humble property’s characteristics, coverage needs, and local risks rather than looking at the premium alone.
