Save Up to 40% Per Year on Home Insurance
Protect your Spring home with coverage that fits your property and needs.
We have access to 100+ leading carriers in Texas to compare coverage and rates for your home and family.
“Richey Insurance Agency works for you, not just one insurance agency!”
Years in Business
Insurance Carriers
Policies Written
Families Protected
A typical homeowners policy can protect your home, belongings, and finances from covered losses.
Helps pay to repair or rebuild your home after covered damage such as fire, wind, or hail.
May cover detached garages, sheds, fences, and other qualifying structures on your property.
Helps protect furniture, clothing, electronics, and other belongings after a covered loss.
Helps protect you if you are legally responsible for someone else’s injury or property damage.
Can help cover certain medical expenses when a guest is injured on your property.
May help pay certain extra costs if a covered loss makes your home temporarily unlivable.
Coverage, limits, deductibles, and exclusions vary by policy. Richey can help you compare those differences, not just the premium.
Spring homeowners face a mix of severe weather and property-specific flood considerations that can affect how coverage should be evaluated.
Wind and hail: During Hurricane Beryl in July 2024, the National Weather Service recorded a 58-mph wind gust in Spring. For homeowners, that makes the details of wind and hail coverage, including deductibles, worth reviewing rather than assuming every policy provides the same protection.
Flooding: Spring includes areas around watersheds such as Spring Creek and Cypress Creek, and flooding has affected the area. Standard homeowners insurance generally does not cover flood damage, so homeowners should evaluate flood exposure separately. Your property’s exact location, not simply a Spring mailing address, can make a difference.
Property differences: Spring includes established neighborhoods and newer developments, with homes varying in age, construction, roof condition, and replacement cost. Those differences can affect both coverage needs and premiums.
So what? When comparing home insurance in Spring, look beyond the price. Consider your home’s replacement cost, roof and property condition, wind/hail deductible, flood exposure, coverage limits, and exclusions. Richey Insurance Agency can compare options from 100+ carriers based on your particular property and circumstances.
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.
No Obligation • No Pressure • Local Texas Insurance Agency
Richey Insurance Agency’s analysis: The average cost of home insurance in Spring, Texas, typically ranges between $3,500 and $6,000 per year (approximately $290 to $500 per month) for a standard home with $300,000 to $400,000 in dwelling coverage.
This is a general Richey analysis, not a guaranteed rate. Your premium can vary based on your home’s location, replacement cost, age and condition, roof, coverage limits, deductible, claims history, local risk factors, and the insurance company you choose.
The takeaway: Two homes in Spring can receive very different quotes. Comparing the premium alone isn’t enough; you also need to compare what the policy covers, the deductibles, exclusions, and limits. Richey works with 100+ carriers to help you compare available options for your specific home.
Richey Insurance Agency gives Spring homeowners access to 100+ insurance carriers, making it possible to compare options rather than being limited to one company’s pricing and underwriting. That can help you evaluate differences in premiums, coverage, deductibles, and policy terms.
With decades of Texas insurance experience, Richey understands that a homeowners policy needs to account for the actual property, not simply the city where it is located. We can help you evaluate factors such as replacement cost, roof condition, storm coverage, flood considerations, and liability protection.
Richey also offers a broader range of Texas insurance products, including home, flood, windstorm, auto, landlord, condo, and other specialized coverage. That allows us to look at related insurance needs when they are relevant to your situation.
“The lowest price doesn’t always mean the best protection. We want homeowners to understand what they’re actually getting: the coverage, deductibles, and exclusions, so they can make a confident decision about protecting their home.”
Clinton Richey, Founder, Richey Insurance Agency
58 MPH – The National Weather Service recorded a 58-mph wind gust in Spring during Hurricane Beryl in July 2024. For homeowners, that is a reminder that inland properties can still experience significant storm winds, making wind and hail coverage and deductibles important parts of a policy review. Richey can help compare how different carriers address these risks.
74.4% – The U.S. Census Bureau estimates that 74.4% of housing units in Spring CDP were owner-occupied during 2020–2024. For homeowners, that reinforces the importance of evaluating protection for the dwelling itself, personal property, liability, and other potential exposures rather than focusing only on the premium. Richey can compare available coverage based on the individual property.
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, and Richey Insurance Agency was founded in 2008, giving the agency a long history serving Texas insurance customers.
Today, Richey works with 100+ insurance carriers, helping Spring homeowners compare available coverage and find an option that fits their property and circumstances. Whether you’re reviewing an existing policy or shopping for new coverage, our team is here to help you understand your options.
800-776-0633
"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."
Request a free quote using our convenient online form
Prefer to talk to a representative? Our agents are more than happy to help you.
You are welcome to visit our office. We are open Monday - Friday (8 am - 5 pm)
Get clear answers to the home insurance questions homeowners ask us most.
It may be worth considering, even if your property is not in a high-risk flood zone. Standard homeowners insurance generally does not cover flooding, and flood exposure can vary significantly from one Spring property to another. Richey can help you evaluate whether separate flood coverage makes sense for your property.
Richey Insurance Agency offers flood insurance to help Spring homeowners explore coverage for flood-related risks.
Wind and hail are important considerations for Spring homeowners, particularly after severe storms. Coverage generally depends on your homeowners policy, including its deductibles, limits, and exclusions. Richey Insurance Agency can compare policies from 100+ carriers to help you understand how different options address wind and hail damage.
Insurance companies consider more than location. Your home’s age, roof, construction, replacement cost, claims history, coverage limits, deductible, and specific property location can all affect the premium. Richey Insurance Agency can compare available options for your particular home rather than relying on a general Spring rate.
Yes. Two homes with the same Spring mailing address can have different insurance considerations depending on their exact location, property characteristics, and exposure to risks such as flooding. Richey can help evaluate your property’s specific circumstances when comparing coverage.
Possibly. Your dwelling coverage should be based on the estimated cost to rebuild your home, not simply its current market value. Changes in construction costs, renovations, or improvements to your home can affect how much coverage you need. Richey Insurance Agency can help you review whether your current coverage still fits your property.
Yes. Richey works with 100+ insurance carriers and offers both homeowners and flood insurance. That allows our team to look at your homeowners coverage alongside separate flood protection when appropriate, helping you understand the different policies and coverage they provide.
