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Directory of home insurance agents in Live Oak, Texas. Verify credentials with the state department of insurance before hiring.
7 agents listed
Updated May 2026
Live Oak, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Texas before hiring.
Showing 7 home insurance agents in Live Oak, TX
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Farmers Insurance - Dawn Dear
7529 N Loop 1604 E Ste 114, Live Oak, TX 78233
(210) 507-2169
agents.farmers.com
Fred Loya Insurance
8200 Pat Booker Rd, Live Oak, TX 78233
(210) 653-0916
fredloya.com
RBFCU Insurance Agency LLC
1 IKEA-RBFCU Pkwy, Live Oak, TX 78233
(210) 564-2999
rbfcu.org
Farmers Insurance - Rosanlly Guzman Leizon
11901 Toepperwein Rd Ste 903, Live Oak, TX 78233
(210) 209-8229
agents.farmers.com
Sonya Daniels - State Farm Insurance Agent
12315 Judson Rd Ste 302, Live Oak, TX 78233
(210) 654-9533
sonyadaniels.com
Farmers Insurance - Enrique Yzaguirre
12702 Toepperwein Rd Suite 105, Live Oak, TX 78233
(210) 625-5505
agents.farmers.com
Farmers Insurance - Khiet Chau
11901 Toepperwein Rd Ste 903, Live Oak, TX 78233
(210) 637-1178
agents.farmers.com
Home insurance agents in Live Oak Texas help residents find coverage for their homes and personal property. Texas law requires insurers to offer windstorm and hail coverage in certain areas, and agents can explain these requirements. A local agent can also advise on flood insurance options for properties near the San Antonio River.
What Does a Home Insurance Agent in Live Oak Cost?
The typical cost for a home insurance policy in Texas ranges from 1,500 to 3,500 per year for a standard single family home. Factors like the age of your home, its location in Live Oak, and your claims history affect the premium. Texas has a higher average premium than many states due to weather risks like hail and wind. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Live Oak do?
A home insurance agent helps you compare policies from different insurance companies. They explain coverage limits, deductibles, and Texas specific endorsements like water damage exclusions. The agent does not set prices but can help you find a policy that fits your needs.
Do I need flood insurance in Live Oak Texas?
Flood insurance is not required by Texas law for most homes, but mortgage lenders may require it if your home is in a flood zone. Live Oak is near creeks and rivers, so flood risk can vary by neighborhood. An agent can check your flood zone status and quote a separate flood policy through the National Flood Insurance Program.
How do Texas insurance laws affect my home policy?
Texas law gives you the right to choose your own insurance agent and company. The Texas Department of Insurance regulates rates and policy forms. For example, Texas requires insurers to offer a 10 day free look period on new policies, and you have the right to cancel a policy at any time.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Texas.