Get Affordable, Reliable Coverage for Your Home in Aubrey
“Richey Insurance Agency works for you, not just one insurance agency!”
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Most homeowners in Aubrey choose an HO3 policy. It’s the most comprehensive option for single-family homes. Here’s what it typically includes:
| Coverage Type | What It Protects Against |
|---|---|
| Dwelling Protection | Fire, lightning, hail, windstorms, and explosions |
| Other Structures | Detached garages, sheds, and fences |
| Personal Property | Theft, vandalism, and damage to belongings |
| Liability Coverage | Injuries that happen on your property |
| Medical Payments | Minor injuries to guests—regardless of fault |
| Loss of Use | Extra living costs if a covered event forces you to leave your home |
Each policy is tailored to your situation, and we’ll help you compare carriers to get the best match.
Every household has different risks. That’s why we offer optional coverages to help fill in the gaps. Here are some of the most requested add-ons among our Aubrey clients:
A quick conversation with us can help identify which of these apply to your home and lifestyle.
Texas sees everything from hail to hurricanes. Aubrey, though inland, isn’t immune to severe storms, tornadoes, or fire risk. Insurers weigh all of this when setting rates. The good news? You might qualify for discounts—things like a newer roof, monitored security systems, or bundling your home and auto policies.
Floods happen well beyond coastal areas. Aubrey has seen heavy rain events where floodwaters reached neighborhoods outside FEMA’s high-risk zones. Standard home insurance doesn’t include flood protection, so it’s worth evaluating your property’s location and drainage history.
Yes. Think proactive. Schedule seasonal maintenance checks, clear gutters before storms, inspect the roof annually, and trim back trees. Small steps like these can prevent large repair bills—and sometimes reduce what you pay in insurance.
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You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
