Trusted Provider of Homeowner Insurance in Texas
Established in 2008, Richey Insurance Agency is an independent insurance agency dedicated to serving communities across Texas. With our experience and expertise, we help homeowners find the best insurance solutions tailored to their needs.
Speak To Our Experts
281-360-4646
David Fisher2024-02-29Anytime I need something Linda is on top of it. I couldn’t ask for anything better.Lisha Gilliam2023-11-08I 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!Keith Dabney2023-10-17Very responsive, was able to make last minute policy changes.john redington2023-09-06been happy here for yearsKeith McDonald2023-08-03My 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.Lisa C2023-07-17Everyone listen to my questions and worked to get me what I wanted.
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Explore the standard coverage provided by homeowners insurance for Texas residents:
This coverage protects the physical structures of your house, such as the foundation, roof, and walls. It extends to structures connected to your house, like a deck, detached garage, or patio. If these structures are damaged or destroyed by covered perils, dwelling coverage helps pay for repairs or rebuilding.
This coverage protects the physical structures of your house, such as the foundation, roof, and walls. It extends to structures connected to your house, like a deck, detached garage, or patio. If these structures are damaged or destroyed by covered perils, dwelling coverage helps pay for repairs or rebuilding.
Homeowners insurance includes liability coverage, which safeguards you against potential lawsuits and covers medical bills if a visitor is injured on your property. Whether it's a slip-and-fall accident or a pet-related injury, this coverage can help protect your finances and assets.
Homeowners insurance includes liability coverage, which safeguards you against potential lawsuits and covers medical bills if a visitor is injured on your property. Whether it's a slip-and-fall accident or a pet-related injury, this coverage can help protect your finances and assets.
While your main home is covered by dwelling coverage, structures not directly attached to your home require separate coverage. This includes detached garages, sheds, fences, and other structures on your property.
While your main home is covered by dwelling coverage, structures not directly attached to your home require separate coverage. This includes detached garages, sheds, fences, and other structures on your property.
Your personal belongings are also covered under most homeowners insurance policies. This coverage helps replace or repair items that are damaged, destroyed, or stolen due to covered perils. This can include furniture, clothing, electronics, and more. Keep in mind that certain high-value items may require additional coverage.
Your personal belongings are also covered under most homeowners insurance policies. This coverage helps replace or repair items that are damaged, destroyed, or stolen due to covered perils. This can include furniture, clothing, electronics, and more. Keep in mind that certain high-value items may require additional coverage.
If a covered peril renders your home uninhabitable, this coverage helps with the additional costs of living elsewhere while your home is being repaired or rebuilt. It can cover expenses like temporary housing, meals, and other essentials, making sure that you and your family are taken care of during tough times.
If a covered peril renders your home uninhabitable, this coverage helps with the additional costs of living elsewhere while your home is being repaired or rebuilt. It can cover expenses like temporary housing, meals, and other essentials, making sure that you and your family are taken care of during tough times.
Here are the additional coverages you can add to your Texas homeowners insurance policy to protect your home from specific risks:
Windstorm coverage has become a necessity for Texas homeowners, especially after events like Hurricane Harvey—a devastating hurricane that caused widespread damage. Windstorm coverage protects your house from damages caused by high winds during severe weather events like hurricanes and tornadoes.
Hailstorms are common in Texas, and they can cause significant damage to your home. In fact, Texas leads the nation in the number of buildings damaged by hail.
Hail coverage is designed to protect your home from the damages caused by hailstones, some of which can be the size of tennis balls. It covers repairs to your roof, siding, windows, and other parts of your home that may be damaged by hail.
Hurricane Harvey showed us how important flood coverage is for Texas homeowners. This powerful hurricane caused massive flooding, displacing many and damaging countless homes. Flood coverage shields your home from flood-related damages, such as harm to your home’s structure and belongings. It also covers extra living costs if you must leave your home due to flooding. Without flood coverage, you could face significant financial problems if your home gets damaged by a flood.
While earthquakes are less common in Texas, they can still occur, as seen in the 5.2 magnitude earthquake that shook western Texas in November 2023.
This earthquake caused concern in the region, highlighting the need for earthquake coverage. Earthquake coverage protects your home from damages caused by earthquakes, including structural damage and damage to your belongings. It also provides coverage for additional living expenses if your home is uninhabitable due to earthquake damage.
With earthquake coverage, you can have peace of mind knowing that your home is protected from this less common but still significant risk.
The cost of home insurance in Texas can vary based on several factors, including the replacement value of your home, its location, its age and condition, and the coverage options you choose. On average, homeowners in Texas pay around $4,400 per year or about $367 a month for their home insurance policy.
At Richey Insurance Agency, we understand the importance of finding affordable insurance coverage. That’s why we work with top-rated insurance providers to help homeowners save money on their policies. By comparing quotes from multiple carriers, we can often find discounts and special offers that can significantly reduce your annual premium.
In fact, many of our clients save up to 40% per year on their home insurance policies when they switch to Richey Insurance Agency. Our experienced agents will work closely with you to understand your needs and find a policy that fits your budget.
“Richey Insurance Agency works for you, not just one insurance company!”
As an independent insurance agency, we collaborate with 40+ top-rated insurance carriers. This way, we can compare different policies and find the best rates and coverage options tailored specifically to your needs.
Homeowners Insurance protects your home, which is likely your most important and valuable asset. Damages from perils like theft, fire, or natural disasters can be financially devastating. Homeowners insurance helps cover the costs of repairs or rebuilding to make sure that your investment in your home is secure, providing peace of mind.
Knowing that your home and belongings are protected can bring you peace of mind. You can rest easy knowing that if something were to happen to your home, you have the support of your insurance policy to help you through the process of rebuilding or repairing. This peace of mind is invaluable, especially in times of uncertainty.
Our experienced team is always online and here to guide you through the process and help you find the best possible coverage for your home. Contact us today to get started with a personalized quote.
If you prefer a face-to-face conversation, our doors are always open. Here’s your Google Map guide:
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Speak To Our Experts
281-360-4646
With over 16 years of experience, we have the knowledge and expertise to find the right coverage for your needs. Our expert agents understand the nitty gritty of the insurance industry.
We are based in Kingwood, Texas, so we understand the unique needs of Texas homeowners. We have a deep knowledge of the local market and can help you understand the complexities of homeowners insurance in Texas.
We believe in providing personalized service to each of our clients. We always take the time to understand your specific needs and requirements. Our goal is to make sure you have the coverage you need at your desired price.
Over the years, we have served thousands of homeowners in Texas, finding the lowest rates available. Our track record speaks for itself, and we are proud of the relationships we have built with our clients.
We work with a network of top-rated insurance providers to offer you the best coverage options at competitive rates. Our partnerships with these providers allow us to shop around on your behalf, making sure that you get the best insurance deal possible.
Speak To Our Experts
346-250-0962
(As of 2024)
30,976,754
Shopping for homeowners insurance in Texas involves getting quotes from multiple insurance providers and comparing them to find the best coverage at the most affordable price. However, this process can be complex and time-consuming.
Working with an insurance agency like Richey Insurance Agency can simplify the process. Our team of expert insurance agents can help you understand your options, compare quotes from multiple providers, and find a policy that suits your needs and budget.
Several factors can affect home insurance premiums, including the location of your home, its age and construction, the value of your personal belongings, your credit score, and the coverage limits and deductibles you choose.
Additionally, factors such as the crime rate in your area, the likelihood of natural disasters, and the presence of certain amenities (like a swimming pool) can also impact your premiums.
While Texas law does not require homeowners to have insurance, if you have a mortgage on your home, your lender will likely require you to have homeowners insurance. This is because the lender wants to protect its investment in your property.
Even if you own your home outright, it’s still a good idea to have homeowners insurance to protect yourself financially in case of unexpected events.
Home insurance premiums in Texas can be higher than in other states due to several factors.
One reason is the increasing number of claims in recent years, which has led to higher costs for insurers. Additionally, inflation and the rising cost of home repairs and replacements have contributed to higher premiums. As home values continue to grow, we can expect home insurance rates to go up as well.
Local Home Insurance Navigation
Use the handy map below to learn more about homeowners insurance in your area.
For homeowners in Texas looking to enhance their knowledge about home maintenance, insurance, and local services, the following resources can be valuable:
Texas Department of Insurance (TDI): This is one of the best resources for understanding insurance laws in Texas. It provides information on finding licensed agents and insurers in the state. The TDI website also offers helpful consumer tips on purchasing homeowners insurance.
National Weather Service – Texas: Stay informed about local weather conditions, which is important for preparing for weather-related risks. The National Weather Service provides up-to-date information on weather forecasts and warnings.
Texas A&M AgriLife Extension Service: Offers useful resources on disaster preparedness, home maintenance, and community development. Their website is full of educational materials and workshops for homeowners.
City of Texas City – Local Building Departments: Contact your local building department for information on building codes, permits, and regulations. Understanding these requirements can help ensure that any renovations or changes to your property comply with local laws and may impact your insurance coverage.
Texas Homeownership Assistance: Provides resources and programs for first-time homebuyers, including information on mortgage assistance, homebuyer education, and financial planning.
Texas Real Estate Commission (TREC): Offers resources for homeowners on real estate laws and regulations in Texas. TREC also provides information on finding licensed real estate agents and brokers.
