(325) 625-4126
Countywide Insurance Agency

Homeowners Insurance

Homeowners Insurance for Coleman & Central Texas

Protect your home and everything in it with coverage built for the real risks of central Texas — wind, hail, fire, and more.

Call (325) 625-4126
  • Licensed in Texas
  • Independent Agent
  • Multiple Carriers
  • Local Office — Coleman, TX
  • No 800 Numbers — Real People Answer
  • Mon – Fri, 8:30 AM – 5:00 PM

Carriers & Credentials

Allstate
Dairyland Insurance
Foremost Insurance Group
Hochheim Prairie Insurance
Kemper Insurance Companies
Mercury Insurance Group — Authorized Agent
Independent Insurance Agent

Your home is likely your largest investment. At Countywide Insurance Agency in Coleman, TX, we help homeowners find the right coverage for their house, belongings, and liability — whether you own a home in town or on acreage outside Coleman, Brownwood, or Brady. As an independent agency, we compare multiple carriers to make sure you get solid protection at a fair price.

What's Covered

Dwelling Coverage

Pays to repair or rebuild the physical structure of your home — walls, roof, foundation, and attached structures — after a covered loss such as fire, hail, or wind.

Personal Property

Covers your furniture, appliances, clothing, electronics, and other belongings if they are damaged, destroyed, or stolen.

Liability Protection

Protects you financially if someone is injured on your property or if you accidentally damage someone else's property.

Additional Living Expenses

Pays for temporary housing and increased living costs if your home becomes uninhabitable due to a covered claim.

Wind & Hail Coverage

Texas weather can be severe. We offer coverage options specifically addressing wind and hail damage common across central Texas.

Fire & Smoke Damage

Covers repair and rebuilding costs resulting from fire and smoke damage to your home.

Theft & Vandalism

Protects you against losses from break-ins, theft of personal property, and vandalism.

Outbuildings & Structures

Coverage for detached garages, barns, fences, sheds, and other structures on your property — important for rural Texas homeowners.

Landlord / Rental Dwellings

Own a rental property? We can cover the dwelling structure and your liability as a landlord for investment properties across central Texas.

Why Homeowners Insurance Matters in Central Texas

  • 1Severe hailstorms and high winds are common across Coleman County and surrounding areas
  • 2Mortgage lenders require homeowners insurance — we can help you meet lender requirements
  • 3Standard policies may exclude certain perils — we review your coverage to close any gaps
  • 4Rural properties often have unique needs including barns, equipment sheds, and larger acreage
  • 5We work with multiple carriers to find competitive rates for Coleman, Brownwood, Brady, and beyond
  • 6Local agents who understand the specific risks faced by central Texas homeowners

Frequently Asked Questions

What does a standard homeowners policy cover?

A standard homeowners policy typically covers the structure of your home, personal belongings, liability, and additional living expenses if your home is uninhabitable after a covered event. Common covered perils include fire, windstorm, hail, lightning, theft, and vandalism. Floods and earthquakes are generally not included and require separate policies.

Is flood insurance included in my homeowners policy?

No. Standard homeowners policies do not cover flood damage. If your property is in a flood-prone area, you may want a separate flood insurance policy. Contact our office and we can discuss your options.

How is the replacement cost of my home determined?

Replacement cost is the amount needed to rebuild your home at current material and labor costs, which may differ significantly from its market value. We can help you determine an accurate replacement cost estimate to make sure you are not underinsured.

Can I insure a rental property or second home?

Yes. We offer dwelling fire and landlord policies for rental properties and vacation homes. These differ from a standard homeowners policy and are designed for properties you do not occupy as your primary residence.

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Ready to Get Covered?

Call our Coleman, TX office today. Our local agents are ready to find the right coverage for you.

(325) 625-4126Contact Us