Home Insurance in Texas

Coverage that feels like home.

Protection Built for Texas Living

Since 1983, Stieber Insurance Group has helped families across Texas feel confident and covered—no matter what life brings. As a family-owned agency with offices in Fulshear, Richmond, and Sweeny, we’re proud to provide homeowners insurance that’s as reliable as the roof over your head.



Whether you're buying your first home or looking to review your current policy, we’ll help you find a plan that fits your needs, your property, and your peace of mind.

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What’s Covered by a Homeowners Insurance Policy?



A strong policy goes beyond just the basics. At Stieber, we help you protect more of what matters, with policies that include:

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Dwelling Coverage

This protects the structure of your home—walls, roof, and built-in features—if they’re damaged by fire, storms, or other covered events.

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Other Structures Coverage

From sheds to fences to detached garages, we’ll help you cover the buildings around your home, too.

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Personal Property Coverage

Your belongings are more than stuff—they’re your life’s essentials. This coverage helps pay to repair or replace items damaged by a covered loss.

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Liability Protection

If someone is injured on your property or you accidentally damage someone else’s property, this coverage helps protect you from costly legal or medical expenses.

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Loss of Use / Additional Living Expenses

If a covered event forces you out of your home, this helps pay for temporary housing and extra living costs while repairs are made.

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Optional Coverages Available

Add extra protection for high-value items, flood coverage, or expanded liability—all tailored to your specific home and lifestyle.

Home Insurance FAQs

  • Q1: Is homeowners insurance required in Texas?

    Homeowner’s insurance typically covers your home, personal belongings, and liability protection for accidents on your property. At Stieber Insurance Group, we help Texans in Fulshear, Richmond, and Sweeny customize their policies to include protection from natural disasters, theft, or unexpected mishaps. Our goal is to ensure your policy fits your lifestyle and budget, so you’re always prepared for the unexpected.



  • Q2: What’s the average cost of home insurance in Texas?

    Determining the right amount of coverage depends on your home’s value, location, and specific needs. Our team of local homeowner insurance experts in Texas will walk you through an evaluation to ensure your home and belongings are fully protected. We’ll also help you understand coverage options, like replacement cost and additional liability, so you can make informed decisions.

  • Q3: What’s not covered under a standard home insurance policy?

    Most standard policies don’t cover flood damage, earthquakes, or general wear and tear. We’ll walk you through exclusions and available add-ons.

  • Q4: Can I bundle my home and auto insurance?

    Yes—and doing so often unlocks valuable discounts. Ask us about bundling to save on both policies.

  • Q5: Do I need additional coverage for valuable items like jewelry or art?

    High-value items often need scheduled personal property coverage. We’ll help you make sure those items are fully protected.

  • Q6: How quickly can I get coverage?

    We make it simple. With just a few details, our agents can typically provide quotes the same day and help you get covered fast.

Ready to Protect Your Home?

We’re here to simplify the process and make sure you’re never underinsured—or overpaying. Whether you’re moving in or reassessing your current coverage, we’ve got your back.

Get Started with a Free Home Insurance Quote