Save Up to 40% Per Year on Home Insurance
Get the protection you deserve at a rate you can afford.
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!”
Our team is here to guide you throughout the whole process and will help you find the best insurance coverage for your home.
Prefer a face-to-face conversation? Our doors are always open.
Here’s your Google Map guide:
Hours of Operation:
A solid home insurance policy protects more than just the house. It extends to liability, additional living costs, and personal belongings. Below is a breakdown of common coverages:
Dwelling Coverage
Pays for repairs or rebuilding after damage from covered events.
Liability Protection
Protects against lawsuits for injury or property damage.
Personal Property Coverage
Helps replace furniture, electronics, and other belongings.
Personal Property Coverage
Covers minor injuries to guests, regardless of fault.
Additional Living Expenses
Covers temporary housing costs if the home becomes unlivable.
Other Structures
Covers detached garages, fences, and sheds.
A basic policy covers common risks, but certain situations call for extra protection. Texas homeowners often add:
Small additions like these can prevent major out-of-pocket costs after unexpected events.
Homeowners policies protect against a variety of risks but don’t cover everything.
| Covered Perils | Not Covered |
|---|---|
| ✅ Fire and smoke damage | ❌ Flooding |
| ✅ Theft and vandalism | ❌ Earthquakes |
| ✅ Wind and hail | ❌ Termite or pest damage |
| ✅ Lightning strikes | ❌ General wear and tear |
| ✅ Explosions | ❌ Sewer backups (unless added) |
| ✅ Falling objects | |
| ✅ Snow and ice weight damage |
Combining home and auto insurance under one provider reduces costs significantly. Some carriers also offer discounts for bundling:
Looking for savings? A bundled policy might be the fastest way to cut costs.
Speak To Our Experts
281-360-4646
"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."
Speak To Our Experts
346-250-0962
Only if caused by a covered peril. Standard policies do not cover mold from long-term leaks or poor maintenance.
Leaks from inside the house? Covered. Water from outside, like flooding? Not included. Additional coverage may be needed for sewer backups.
No. Insurers consider termite damage a preventable issue, not a sudden event. Regular inspections help prevent costly repairs.
The law does not mandate home insurance, but lenders almost always require it for a mortgage. Without coverage, financing may be denied.
Request a free quote using our convenient online form
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
