Stover & Crouch Insurance · Est. 1920
(936) 348-2688 Client Support

Independent insurance · Texas

Insurance in the Texas Hill Country

For a Hill Country home or acreage, tell us both who stays there and what happens when you are away. A full-time residence, a weekend place and a property offered to paying guests need different questions. This guide helps owners around places such as Fredericksburg and Kerrville organize those details before a coverage review.

Get a quoteCall (936) 348-2688

What do you need to insure?

Start with the property, vehicles, or operation you want to discuss.

Homeowners insuranceReview the home and explain whether it is your regular residence, a second home or used by guests. Farm & ranch insuranceDiscuss acreage, animals, detached buildings and the work performed on the property. Business insuranceStart a separate conversation when lodging, events or other paid activity is part of the property’s use.

Questions worth asking before you choose

Describe guest use before accepting bookings

Tell the agent whether visitors are family, long-term tenants or short-term paying guests, and whether you remain on site. Most home policies do not cover damage or injuries during short-term rentals. Ask what the policy allows before listing a stay. If a booking platform offers protection, have the agent explain how it relates to your own policy rather than assuming the two fit together.

Turn wildfire preparation into a property routine

The Texas A&M Forest Service recommends attention to debris on roofs and in gutters, vegetation near structures and emergency access. Use its home preparation guide for a walk around the property and an evacuation plan. Keep dated photos of improvements to discuss with your agent. These steps can reduce hazards; they do not establish coverage or guarantee an insurer will accept the property.

Plan for the weeks nobody is there

Explain how often the home is occupied, who checks it between visits and how you learn about a leak or other damage. Ask about any policy conditions for extended periods without occupants. Include guest houses, detached garages and stored equipment in the discussion. A local caretaker’s visit and occasional use by family should be described accurately, rather than left to assumptions.

Helpful Texas resources

Bring the details that matter

Have these ready when you contact us. We can help you work through what is missing.

  • Occupancy calendar and details of any rental listing, guest stays or paid events.
  • Photos of the home, outbuildings, access route and recent property improvements.
  • Current policy, roof information and the person who checks the property while you are away.
  • An inventory of furnishings and equipment kept at the property between visits.

Talk it through with our team

We’re a Texas-based independent agency, established in 1920. Tell us what you need to insure, and we’ll review the options that may be available for your situation.

Coverage depends on the insurer, policy terms, and your circumstances.