Save Up to 40% Per Year on Home Insurance
Protect your home, belongings, and financial security with coverage built around your needs.
We have access to 100+ leading carriers in Texas to help you compare coverage and find the right fit.
“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. The exact coverage and limits depend on the policy you choose.
Helps repair or rebuild your home’s structure after a covered loss, based on the policy’s terms and limits.
Covers eligible structures separate from your home, such as detached garages, sheds, and certain fencing.
Helps protect belongings such as furniture, clothing, electronics, and other possessions from covered losses.
Helps protect you financially if you’re legally responsible for someone’s injury or damage to their property.
Can help pay certain medical expenses when a guest is injured on your property, subject to policy terms.
May help cover necessary extra living costs if a covered loss makes your home temporarily unlivable.
One important Texas consideration: Standard homeowners insurance generally does not cover flooding. Depending on where you live, separate flood or windstorm coverage may also be worth considering.
Texas homeowners face a combination of severe weather risks, but the insurance considerations can vary significantly by location.
Wind and hail are especially important. Texas Department of Insurance data shows wind and hail have accounted for an average of 62% of homeowners losses since 2019. That makes it important to understand not just whether your policy covers storm damage, but also your deductibles, limits, and exclusions.
Flooding is another separate consideration. Most homeowners policies don’t cover flood damage, so your property’s location, drainage, and proximity to waterways can influence whether separate flood coverage makes sense.
Coastal homeowners may have additional windstorm considerations. In certain coastal areas, wind and hail may be excluded from standard homeowners policies, making separate coverage through an insurer such as TWIA relevant.
Your home itself also matters. Roof age, construction, replacement cost, claims history, and property condition can all affect the coverage and pricing available to you. Richey Insurance Agency compares options from 100+ carriers to help Texas homeowners evaluate coverage based on their actual property and circumstances, not just the lowest advertised price.
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 Texas home insurance cost: $3,506 per year
Richey Insurance Agency uses $3,506 per year as a statewide Texas benchmark based on 2025 preliminary data from the Texas Department of Insurance. It is a market benchmark, not a guaranteed rate for your home.
Your actual premium can vary based on your home’s location, age, condition, roof, replacement cost, coverage limits, deductible, claims history, and the insurance company evaluating the property.
So what does that mean for you? Two similar homes can receive different quotes. That’s why comparing multiple carriers and comparing the coverage behind each price can be more useful than choosing the cheapest quote alone. Richey helps Texas homeowners compare available options and understand the differences.
Richey Insurance Agency gives Texas homeowners access to 100+ insurance carriers, making it possible to compare multiple coverage and pricing options instead of relying on a single insurer. That matters because carriers can evaluate the same property differently.
We also bring decades of Texas insurance experience to the process. Our role isn’t simply to find a price; we help homeowners understand coverage, deductibles, exclusions, and the differences between their options so they can make a more informed decision.
Richey’s customer reviews also reflect the value homeowners place on responsive service and clear communication. When your home is one of your largest financial assets, having an agency you can turn to with questions can matter long after the initial quote.
“The lowest price isn’t always the best value. We want homeowners to understand what they’re actually getting, where the gaps may be, and how their coverage would respond when they need it most. That’s why we compare multiple options and focus on finding coverage that makes sense for the homeowner, not just a number that looks good on paper.”
Clinton Richey, Founder, Richey Insurance Agency
Texas insurers paid $8.74 billion in homeowners losses in 2025, covering wind and hail, water, fire, theft, liability, and vandalism. The figure shows the scale of property losses Texas homeowners and insurers are dealing with, and why understanding coverage before a loss matters.
Wind and hail alone have represented an average of 62% of Texas homeowners losses since 2019. For homeowners, that makes storm coverage and the deductible attached to it particularly important when comparing policies. Richey can help you compare those details across available carriers rather than looking at premium alone.
Choosing homeowners insurance is about more than finding a price that looks good on paper. Clinton Richey has worked in the insurance industry since 1990, giving him decades of experience helping Texas customers navigate their insurance needs. Richey Insurance Agency was founded in 2008 and has built a long-standing presence serving Texas homeowners.
Today, Richey works with 100+ insurance carriers, giving homeowners more options to compare. Whether you’re buying a home, reviewing a renewal, or looking for different coverage, our role is to help you understand your options and find a policy that fits your needs.
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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.
Possibly. Most standard homeowners policies don’t cover flood damage. Whether separate flood insurance makes sense depends on factors such as your property’s location, flood exposure, and proximity to waterways. Even if flood insurance isn’t required by your lender, it may still be worth considering.
Richey Insurance Agency offers flood insurance to help Texas homeowners explore coverage for flood-related risks.
It depends on where your home is located and what your homeowners policy covers. Certain coastal Texas properties may have wind and hail excluded from their homeowners policy and may need separate windstorm coverage. Richey Insurance Agency can help homeowners determine whether additional windstorm coverage is appropriate for their property.
Texas home insurance costs can be affected by severe weather losses, rebuilding costs, property characteristics, claims history, and changes in an insurer’s pricing or underwriting. If your premium has increased at renewal, Richey Insurance Agency can compare your current coverage with options from 100+ carriers to see what alternatives may be available.
Even homes in the same neighborhood can receive different insurance quotes. Insurers may consider the home’s age, roof, construction, replacement cost, claims history, coverage limits, deductible, and other property-specific factors. Richey can compare multiple carriers to help explain the differences and find options suited to your property.
Look at the coverage behind the price. Pay particular attention to your dwelling limit, deductible, wind and hail coverage, exclusions, replacement-cost provisions, and whether separate flood or windstorm insurance is needed. Richey Insurance Agency can help you compare these details across available carriers rather than choosing a policy based on premium alone.
It can. Roof age and condition may affect both the price and the insurers willing to cover a property. If you’re buying a home with an older roof or your current insurer has raised concerns about it, Richey Insurance Agency can help you explore available coverage options from multiple carriers.
Yes. Richey Insurance Agency can help Texas homeowners evaluate their homeowners insurance and determine whether separate flood or windstorm coverage should also be considered. With access to 100+ carriers, Richey can compare available options based on your property’s location, characteristics, and coverage needs.
