Richey Insurance Agency, based in Kingwood, Texas, has over 16 years of experience serving thousands of homeowners in Kingwood and across Texas. Our goal is to provide tailored insurance coverage that meets your specific needs while making sure you find the lowest rates available.
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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Dwelling Coverage
Liability Protection
Personal Property Coverage
Additional Living Expenses
Other Structures
In the Kingwood area, windstorms are not uncommon, especially during the hurricane season which runs from June to November. Coverage for windstorm damage is important as these events can cause significant structural damage to homes.
For example, Hurricane Harvey in 2017 demonstrated the devastating impact of windstorms, tearing roofs off homes and leading to widespread property destruction.
Windstorm coverage can help mitigate the financial burden by covering repairs to the structure of your home and the replacement of lost or damaged property.
In April 2020, a severe hailstorm hit parts of Kingwood, dropping hail as large as golf balls that led to costly repairs for many homeowners.
Hailstorms, though less frequent, pose a real risk in Texas and can unexpectedly damage roofs, windows, and vehicles.
Hail protection as part of your homeowner’s insurance ensures that you are covered for the repair and replacement costs associated with hail damage, safeguarding your home’s integrity and value.
Water backup occurs when water or water-borne materials back up into your home through sewers or drains, or overflows from a sump pump. This can happen during heavy rainfalls and is not typically covered under standard flood or homeowners’ policies.
Adding water backup coverage to your homeowner’s policy helps cover the cost of damage and repairs in such scenarios, providing peace of mind and financial protection.
Kingwood, like many parts of Houston, is prone to flooding, especially near bodies of water and low-lying areas. Standard homeowners’ insurance policies do not cover flood damage.
The importance of flood insurance was highlighted during Hurricane Harvey when many areas of Kingwood experienced significant flooding, leading to immense recovery costs for those without appropriate coverage.
Flood insurance is very important in providing financial assistance for recovery, helping cover the costs of restoring your home and replacing damaged possessions.
To estimate the cost of home insurance in Kingwood, TX, we consider several key factors such as your credit score (assumed to be average), whether you rent or own your home (ownership assumed here), the type of home you live in (a house in this example), the cost to replace your house ($150,000), the age of your house (ranging from 10 to 34 years), and the outside walls of your house (brick in this case).
By analyzing rates from 31 different insurance carriers, we found that the annual cost of home insurance in Kingwood, TX, ranges from $1,320 to $6,134. This detailed approach helps Kingwood homeowners prepare financially for adequate coverage, making sure their property is protected effectively.
Please note that your rate may differ based on specific attributes of your home and personal situation. Additionally, the rates provided are as of April 2024 and are subject to change.
“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.
Kingwood, often referred to as the “Livable Forest,” is known for its aesthetic landscapes and family-friendly environment. However, living in Kingwood comes with its share of risks (related to natural disasters).
Kingwood is located near the Gulf Coast and is susceptible to hurricanes and flooding, which can pose significant threats to homeowners. Residents need to be prepared and protected against these potential risks by having comprehensive homeowners insurance coverage.
Even homes located outside of designated flood zones can be at risk of flooding, as demonstrated by past events like Hurricane Harvey. Having the right insurance coverage can make all the difference in protecting your property from unexpected events.
Our experienced team is always online and here to guide you through the process and help you find the best possible coverage for your Kingwood 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:
Hours of Operation:
Speak To Our Experts
281-360-4646
One of our priorities is to make sure that you are satisfied with your insurance coverage. We always put an effort and take the time to understand your needs and provide personalized insurance solutions that meet your expectations.
As an independent insurance agency, we work with a variety of top-notch insurance carriers. This gives us the ability to compare insurance quotes from different carriers and find the best coverage at the best price for you.
With Richey Insurance Agency, you don't have to spend time shopping around for insurance quotes. We do the legwork for you, providing you with multiple quotes from different carriers, all in one place. The only thing you will do is to compare options and choose the policy that suits you best.
If you need to file a claim, our experts are here to assist you every step of the way. We understand that filing a claim is complicated sometimes for most policyholders, so we make it our priority to guide you through the process.
Your insurance needs may change over time. That's why our team of experts regularly review your policy to make sure that your coverage always meets your current needs. We keep you informed of any updates or changes that may affect your policy.
Speak To Our Experts
346-250-0962
Initially, our experienced agents conduct a comprehensive review and analysis to understand your unique insurance requirements. The agents will evaluate the specifics of your property, your personal risk factors, and any special coverage your home might need.
Once our agents are done assessing your home insurance needs, we then utilize our 40+ network of insurance providers to compare different policies. We will identify the most suitable coverage options that not only meet your needs but also offer the best possible value. Factors such as coverage limits, deductibles, and exclusions to make sure you receive a detailed comparison.
In the final step, we tailor the insurance plan to match your specific circumstances. This customization might involve adjusting coverage limits, incorporating additional protections like flood or earthquake insurance, or tweaking the deductible to fit your financial situation. Our goal is to craft you a policy that provides best possible protection for your home while also fitting within your budget.
(As of 2024)
64,359
Definitely! In fact, at Richey Insurance Agency, we always recommend bundling your homeowners insurance with other policies such as auto insurance as can help you save money on your overall insurance costs.
There are several ways to lower your homeowners insurance premium in Kingwood, including:
Based on our recent policies, a significant number of homeowners in Kingwood have opted for flood insurance coverage. While not mandatory, this additional protection is strongly advised due to Kingwood’s placement in a high-risk flood zone. Standard homeowners insurance policies typically do not include coverage for flood damage, making a separate flood insurance policy essential for safeguarding your home and belongings.
Yes, there are several discounts available for homeowners insurance in Kingwood. These can include discounts for having a security system, bundling your home and auto insurance policies, and having a claims-free history.
Yes, most insurance companies offer flexible payment plans, allowing you to pay premiums monthly, quarterly, or annually. Opting for monthly payments can ease the financial burden of a lump sum annual payment.
Both the homeowner and the insurance company can cancel a policy. The insurer can cancel within the first 60 days and must provide advance notice if canceling mid-term due to non-payment or material misrepresentation. Homeowners can cancel their policy at any time and may receive a refund of the remaining premium if they pay in advance.
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