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

Kaufman County · Texas

Insurance for Kaufman County

A house, a few horses, a barn, or a business run from the property can involve different insurance needs. We help Kaufman County residents review those details together, including customers in Kaufman, Forney, and Terrell. Tell us what you own and how you use it, and we’ll help you review the options.

Get a quoteCall (936) 348-2688

North Texas region

Start with what is on your property

Explore the coverage that fits your home, animals, equipment, or operation.

Horses & equine businessesDiscuss horse values and activities such as boarding, training, and lessons. Farms & ranchesReview the residence, barns, livestock, equipment, and work done on the property. Homeowners insuranceCompare home protection, roof settlement terms, and your share of a covered loss. Business insuranceFind coverage for paid work, business property, employees, and vehicles.

Local losses. Practical questions.

2025 homeowners paid losses

$63.5 million

Paid across Kaufman County in 2025, according to the Texas Department of Insurance.

TDI county loss data · Download source data (CSV)

A documented local storm

Forney’s April 2012 tornado

The National Weather Service documented a tornado near Forney on April 3, 2012 that remained in Kaufman County. It damaged homes, a school roof, and vehicles. For your property review, list each building and the vehicles or equipment kept there.

NWS Forney storm report · April 3, 2012

The payment total covers homeowners policies, not farm, commercial, auto, renters, condo, dwelling-only or TWIA losses. It is not an average claim or a forecast of your premium. The storm example is separate historical evidence; it does not explain the 2025 total or predict the next storm.

Sources checked October 6, 2026.

Describe the property beyond the front door

Make the activities clear

Personal horses, paid boarding, and riding lessons are different uses to discuss. Include barns, shops, equipment, and visitors in the conversation. A home policy may leave gaps for business equipment or injuries to customers and employees. Ask which activities the proposed coverage addresses.

TDI: Business use of a home

Read the roof terms for each building

Bring roof details for the house and any barn or shop you want insured. Ask how covered damage would be paid and which deductible applies. Replacement cost and actual cash value can leave different amounts for you to pay; do not assume the house and outbuildings have identical terms.

TDI: Roof coverage

Check rising water separately

A storm can raise a separate flood question even when a home policy includes wind coverage. Most home policies do not cover flooding. Ask about water rising from outside and review the needs of the home and other buildings individually.

TDI: Home, flood, and wind

Bring a picture of the whole property

A short list and a few records can make the first conversation more useful.

  • Property address, building list, approximate sizes, uses, and photos.
  • Current policies, roof details, deductibles, and any renewal changes.
  • Horses or livestock, equipment, and whether they are personally owned or part of a business.
  • Boarding, training, lease, or other agreements involving paid work or visitors.

Talk through your Kaufman County property

Work with our Texas-based independent agency by phone, email, or online. Our office is in Madisonville; you do not need to make a trip to start a review.

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