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

Independent insurance · Texas

Insurance in the Texas Panhandle & Plains

For a home, farm or ranch in the Panhandle and South Plains, an annual review is a chance to catch what changed on the property. Around Amarillo, Lubbock and surrounding communities, begin with the buildings and equipment you own today. A new implement, a leased machine or a converted shed can make last year’s list incomplete.

Get a quoteCall (936) 348-2688

What do you need to insure?

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

Farm & ranch insuranceReview the current operation, buildings and property uses before the next policy term. Farm equipment insuranceCompare your machine inventory with the equipment and values described in the proposal. Homeowners insuranceCheck the residence separately, including roof terms and the deductible for wind or hail. Commercial property insuranceFor an agricultural service or other business, review its buildings, contents and property values.

Questions worth asking before you choose

Reconcile the list with what is there now

Walk through the property with the current policy’s building and equipment list. Mark purchases, sales, replacements and changes of use, and identify owned, leased and borrowed items. Ask how values are established for each proposed coverage. Include attached equipment and improvements that may be easy to miss when a renewal repeats an old description. Keep photos and records with the updated list.

Convert the home deductible to dollars

For the residence, check whether the wind or hail deductible is a dollar amount or a percentage, and ask what insured value that percentage uses. For illustration, 2% of a $300,000 insured value is $6,000. Use your own policy figures when comparing the amount you would need to pay. Review the roof’s settlement terms as a separate question.

Describe the busiest part of the year

Explain when rented machines arrive, whether equipment moves between locations and whether you perform paid work for others. Bring the agreements rather than assuming the owner’s policy addresses your use. If buildings or machines support a separate business, identify that business too. A seasonal timeline helps the agent review the operation before the equipment is delivered or the work begins.

Helpful Texas resources

Bring the details that matter

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

  • An updated building and equipment list with values, serial numbers and photos.
  • Records of purchases, sales, improvements and any change in a building’s use.
  • Leases, rental agreements and a calendar of seasonal equipment or paid work.
  • Current policy schedules, roof details and home wind or hail deductibles.

Local guides

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.