22001 Northpark Dr, Ste 230, Kingwood, TX 77339 service@richeyinsurance.com quote@richeyinsurance.com

Lufkin, Texas Home Insurance Quote

Get Affordable Home Insurance with the Right Coverage

“Richey Insurance Agency works for you, not just one insurance agency!”

Our Sample Lufkin Homeowners Quote

Example Homeowners Quote

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Serving Homeowners Across Texas – Including Lufkin

Richey Insurance Agency helps homeowners across Texas find reliable protection. While many of our clients are in Houston, we proudly serve Lufkin residents as well. With access to over 40 top-rated insurance carriers, we compare options to find the best fit for each homeowner, no matter the location.

What’s Included in a Standard Home Insurance Policy?

A well-structured policy protects more than just the house. Coverage options include:

  • Dwelling Coverage: The structure of your home, including walls, roof, and built-in appliances.
  • Other Structures: Detached buildings like garages, sheds, and fences.
  • Personal Property: Furniture, electronics, clothing, and valuables inside the home.
  • Loss of Use: Temporary housing expenses if your home becomes uninhabitable due to a covered event.
  • Personal Liability: Legal costs if someone is injured on your property.
  • Medical Expenses: Covers medical bills for guests injured in your home, regardless of fault.

Better Rates & Better Coverage for Your Home in Kingwood

Securing reliable coverage at the right price is important for homeowners in Kingwood. Our focus is on delivering policies that provide optimal protection against common risks in Kingwood, while helping you avoid overpaying. With our expertise, we find the ideal balance between cost and coverage, making sure you get the most value from your policy.

Frequently Asked Questions

Yes, but only up to the policy’s limit for valuables. If high-value jewelry needs additional protection, a personal articles policy might be a better fit.

State laws don’t mandate home insurance, but mortgage lenders often require it as part of the loan agreement.

Several elements influence pricing, including:

  • Construction materials (brick vs. wood, standard vs. high-end finishes)
  • Fire protection services in the area
  • Weather-related risks like storms or flooding

A standard homeowner’s policy isn’t designed for rental properties. If tenants move in, a Dwelling (Landlord’s) Insurance Plan provides the right protection. Learn more about landlord insurance here.

  • Increase the deductible to lower monthly premiums.
  • Improve home security with alarms and surveillance systems.
  • Ask about discounts for bundling policies or having a claims-free history.

Get In Touch with Us!

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Office Visit

You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)