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Find the Best Homeowners Insurance in Waco, TX

A home, besides being a place to live, is also a major financial investment. That’s why nearly all Texas homeowners purchase insurance. Homeowners insurance protects you from financial loss if your physical or personal property is damaged or destroyed. We researched the best homeowners insurance in Waco so you get a policy with all the right coverages.

Compare Waco Homeowners Insurance

  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Waco
Overall satisfaction rating
  • #1 in online home insurance quotes
  • Additional coverage options
  • Covers other structures on your property
  • Available in Waco

Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support.

Learn More Read More
  • 24/7 customer service
  • Free online quotes
  • Multi-policy discount
  • Available in Waco
3310 E Central Texas Expy Suite 206
Killeen, TX 76543
(254) 526-6696
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State Farm: Brian Wenzel
  • Multiple discounts offered
  • 30+ years of experience
  • Online quotes
  • Online claims
100 Santa Fe Dr.
Waco, TX 76712
(254) 772-0810
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Freeway Insurance
  • Online and over-the-phone quotes
  • Serving Texans for over three decades
  • File a claim 24 hours a day
  • Assistance choosing coverage
800 N. Valley Mills Dr.
Waco, TX 76710
(254) 859-4019
Curry-Holmes Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • curryholmesinsurance.com/homeowners-insurance
7111 Bosque Blvd., Ste. 203
Waco, TX 76710
(254) 523-0301
Watkins Insurance Group
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • watkinsinsurancegroup.com
3001 W. Waco Dr., Ste. A
Waco, TX 76707
(254) 714-1300
Farmers Insurance: David Gonzales
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • agents.farmers.com/tx/waco/david-gonzales
2501 Franklin Ave.
Waco, TX 76710
(254) 772-2631
Herman Bell Insurance Agency
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • hermanbellinsurancetx.com
2118 La Salle Ave.
Waco, TX 76706
(254) 756-0691
Remco Insurance
  • M-F: 9am - 7pm
  • Sat and Sun: 10am - 5pm
  • remco.com/homeowners
1709 S. Valley Mills Dr.
Waco, TX 76711
(254) 752-7526

How to choose homeowners insurance in Waco


There’s no law in Texas requiring you to buy homeowners insurance, but if you have a mortgage, your lender will require it. Even if you own a home outright, you should have a homeowners insurance policy to act as a safety net against significant financial loss.

Homeowners insurance in Waco combines a number of different coverages into one policy:

  • Dwelling coverage pays if your house is damaged or destroyed by a covered event.
  • Personal property coverage pays if your personal contents (e.g., clothes, furniture, electronics) are stolen or damaged or destroyed by a covered event.
  • Other structures coverage pays if detached structures on your property (e.g., garage, fence) are damaged or destroyed.
  • Loss of use coverage pays for additional living expenses if you are forced out of your home after a covered event.
  • Liability coverage pays if you are legally responsible for an injury or if you damage someone else’s property. It also pays legal fees if you are sued after an accident.
  • Medical payments coverage pays medical bills of someone injured on your property or even away from home.

Policies will pay up to different dollar limits for each type of coverage. When purchasing homeowners insurance in Waco, make sure the amounts are enough to cover a total loss of your home and personal belongings. A policy also has coverage-specific deductibles, or amounts you pay out of pocket before the insurance company pays.

What risks does homeowners insurance in Waco cover?

When purchasing homeowners insurance in Waco, it’s important to know when it does and doesn’t apply.

Most policies cover loss resulting from Most policies don’t cover loss resulting from
Fire, smoke Flooding
Theft, vandalism Pests
Windstorm, hurricane, hail Earthquakes
Explosions Wear and tear
Vehicle or aircraft crashes Terrorism

One of the decisions you’ll make when purchasing a policy is replacement cost coverage versus actual cash value coverage. Replacement cost coverage pays for repairs or replacements at current costs and doesn’t factor in depreciation. Purchase replacement cost coverage for full protection.

How much does homeowners insurance in Waco cost?

The cost of homeowners insurance in Waco depends on:

  • The age and condition of your home
  • The cost to replace your home
  • The home’s construction materials
  • The area where you live
  • Your proximity to a fire station
  • Your claims history
  • Your credit score
  • The deductible and coverage amounts you select

Here’s a look at average yearly costs of homeowners insurance policies in Waco:

Waco area $200,000 dwelling $400,000 dwelling $600,000 dwelling
Lorena (76555) $1,482 $2,382 $3,365
Woodway (76712) $1,339 $2,163 $3,051
Hewitt (76643) $1,437 $2,314 $3,279
Castle Heights (76710) $1,332 $2,153 $3,034
Robinson (76706) $1,337 $2,158 $3,039
McGregor (76657) $1,501 $2,411 $3,405
Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

Get quotes from several different home insurance companies. Don’t forget to make sure the price includes all available discounts. Insurers usually offer discounts if you bundle multiple policies, have in-home safety features, are claim-free, are buying a new home, are paying for 12 months up front or are shopping ahead.

Before you finalize your policy, ask an agent about flood insurance and extra coverage if you have high-value items like jewelry or fine art.

The Texas Office of Public Insurance Counsel has a checklist of more questions you can ask, and the Texas Department of Insurance has a summary of your rights as a homeowners policyholder.

Homeowners Insurance Reviews


Waco customers can get a homeowners insurance quote online from Progressive or call for advice. This is the only home insurance company that lets you compare rates and coverages from multiple providers, using a tool called HomeQuote Explorer. Reviewers like the long list of available discounts, like for bundling, having security systems, getting a quote in advance or paying in full.

Progressive Learn More


GEICO makes it easy to set up affordable home insurance coverage. Start a quote online or reach a sales agent seven days a week. Save with multipolicy or home security discounts. Reviewers express satisfaction with their policies and with the customer service from GEICO.


State Farm: Brian Wenzel

State Farm is one of the most popular home insurers in the U.S. Visit the website to get a free quote and find helpful resources, like tips for creating a home inventory. Waco policyholders get discounts for bundling, having home monitoring systems and using impact-resistant roofing products. Customers like being able to personalize coverages through State Farm.

State Farm: Brian Wenzel