Affordable Coverage. Personalized Protection.
“Richey Insurance Agency works for you, not just one insurance agency!”
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A well-rounded homeowners policy offers six core protections. Here’s how it breaks down:
| Coverage Type | What It Protects |
|---|---|
| Dwelling | Repairs or rebuilds your home from covered damages |
| Other Structures | Detached garages, sheds, fences |
| Personal Property | Furniture, electronics, clothing, and valuables |
| Loss of Use | Temporary housing and expenses if your home is unlivable |
| Personal Liability | Costs if someone is injured on your property |
| Medical Payments | Minor medical bills for guests, regardless of fault |
Each policy is customized to match the home’s features and the homeowner’s priorities.
Average cost: $1,476 per year in Duncanville, TX. That’s a general ballpark based on statewide data.
Your actual rate may look different. Variables like your roof’s condition, ZIP code, coverage selections, and even your claims history can raise or lower that number.
Richey Insurance Agency compares over 100 carriers to help clients find savings opportunities without cutting corners. We look for the balance between affordability and dependable protection.
Home and auto insurance from the same provider? That move could save you up to 40%. It’s one of the quickest ways to reduce premiums.
Additional multi-policy bundles may offer even more savings:
Our team can guide you through the bundling options that are available through our extensive carrier network.
Prices vary based on:
While not typically required, flood insurance is strongly recommended in low-lying or high-risk zones. Standard policies don’t include flood damage, so it’s worth a look.
Yes—your policy includes coverage for belongings like clothing, electronics, and furniture. Higher-value items may need scheduled coverage if they exceed standard limits.
Request a free quote using our convenient online form
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You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
