Texas insurance. Personal attention.
Insurance for your home, vehicles, farm, and business, with people to help you compare options and stay involved through renewals, policy changes, and claims questions.
- Independent Texas insurance since 1920
- Access to hundreds of insurance companies
- Two licensed claims adjusters on staff
- 4.9 stars from 53 Google reviews, as of October 2026
Independent in Texas since 1920
We don't work for an insurance company. We have access to hundreds of them, and work for you. Founded in 1920 in Madisonville, Stover & Crouch has protected Texas homes, cars, farms and businesses for over a century. As an independent agency we do the shopping for you, online or in person, balancing coverage, price and service, and we re-shop your policy at renewal.
Our team includes two licensed claims adjusters who help you understand your coverage and guide you through a claim. Steven Stover, an owner and Vice President, serves on the Independent Insurance Agents of Texas board.
Insurance for Texas homes, farms, and businesses
Personal insurance
For your home, vehicles, belongings, and family.
- Homeowners insuranceReview options for your home, belongings, and personal liability.
- Auto insuranceUnderstand liability, vehicle coverage, and deductible choices.
- Renters insuranceExplore options for your belongings and personal liability when you rent.
- Life insurancePlan for the people who would feel it if your income stopped.
Farm & ranch insurance
For your land, buildings, and equipment.
- Farm equipment insuranceTractors, balers and implements you own, lease or borrow.
- Farm insuranceGrowing crops or raising livestock as a business, on land you own or lease.
- Ranch insuranceRunning cattle as a business, on pasture you own or lease.
- Hobby farm insuranceYour rural home, acreage, animals and outbuildings.
Business insurance
From contractors and repair shops to restaurants and professional offices.
- General liability insuranceA contract, lease, or customer asks for proof of coverage.
- Business owners policy (BOP) insuranceA storefront, shop, or office looking for one policy.
- Workers’ compensation insuranceHiring people, changing payroll, or bidding public work.
- Commercial auto insuranceTrucks, vans, and cars used for the work, owned, hired, or borrowed.
- Commercial property insuranceBuying, leasing, or moving into a building, or adding equipment.
- Daycare and child care insuranceLicensed centers and in-home providers caring for other people’s children.
- Business insurance by industryA page for each business type, from auto repair shops to oil and gas contractors.
Need a certificate for a customer or help with a contract requirement? Get certificate or contract help
Insurance in Texas has its own rules
Stover & Crouch has placed coverage in Texas since 1920, and policies here answer to Texas law, Texas weather and the Texas Department of Insurance. Four of the rules we explain every week, and the page that covers each one.
- Auto
Texas requires liability coverage of at least 30/60/25 on every registered vehicle: $30,000 for each injured person, $60,000 for each accident and $25,000 for property damage. The state minimum is a floor, not a recommendation.
Texas car insurance - Home
No Texas law requires homeowners insurance, but a lender does, and most Texas policies carry a separate wind and hail deductible set as a percentage of the dwelling limit. On a $300,000 home, a 2 percent deductible is $6,000 before a roof claim pays.
Texas homeowners insurance - Business
Texas does not require most private employers to carry workers' compensation. Labor Code Section 406.002 leaves the choice to the employer, and choosing not to carry it has rules and risks of its own.
Workers' compensation in Texas - Farm and ranch
A homeowners policy can limit or exclude farm buildings, machinery, livestock and product sales, so acreage that works for a living usually needs a policy built for it.
Texas farm and ranch insurance
We are based in Madisonville, Texas, and place coverage for households, farms and businesses in Huntsville, Navasota, Bryan and College Station and across the state, by phone and online. See where we help in Texas
Specialists in Texas insurance, region by region
The risks change from the Gulf to the Panhandle, and so does the right coverage. From the first call to every renewal, here’s how we work.
The same people at every step.
Want it in writing? Read our Pledge of Performance.
“They take the guess work out of the insurance process.”
“…answer the phone and listen to what you want.”
“…very knowledgeable and professional.”
Excerpts from our public Google reviews.
Call the office or start online
Already a client? Claims, billing, ID cards, and policy changes. Same office, same number.