Call (936) 348-2688 Get Directions to our Madisonville office (opens in a new tab)
Stover & Crouch Est. 1920

Insurance in the Alamo Region

Stover & Crouch helps families, business owners, farmers and ranchers across the Alamo Region, including San Antonio, New Braunfels, Kerrville and Victoria. We offer a full range of home, auto, business, farm and ranch insurance options. Work with our Texas-based independent agency by phone, email or online.

Get a quoteCall (936) 348-2688

What do you need to insure?

Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.

Personal insuranceExplore home, auto, renters and other personal insurance options. Business insuranceReview insurance for your business, including property, vehicles and liability. Farm & ranch insuranceDiscuss your home, land, buildings, equipment, livestock and agricultural operation.

Risks in the Alamo Region

The Alamo Region runs from the Hill Country to the coast at Port Lavaca, and most of it sits in what the National Weather Service calls Flash Flood Alley. Choose a risk for what the record shows and the question to ask.

Facts of record from the National Weather Service, NOAA and the Texas Comptroller; the questions follow Texas Department of Insurance guidance.

The October 1998 flood put more than eleven inches of rain on San Antonio in a day and did about $750 million in damage across the region.

What to askHomeowners insurance generally does not cover flooding, and in this country a creek does not have to sit in a mapped flood zone to come up, so ask about a separate flood policy; most carry a 30-day wait.

Learn about flood insurance.

Bring this question to us: Get a quote or call (936) 348-2688.

The April 2016 storm on the north side of San Antonio did about $1.36 billion in damage, the costliest hailstorm in the city’s history, and the largest hailstone ever measured in Texas fell near Hondo in April 2021.

What to askAsk what the wind and hail deductible comes to in dollars and whether the roof is paid at replacement cost or actual cash value. The 2016 storm damaged more than a hundred thousand vehicles, and a hailed car is a comprehensive claim, so ask whether every vehicle carries it.

Bring this question to us: Get a quote or call (936) 348-2688.

Around Victoria and Port Lavaca the region reaches the Gulf, where the questions change: whether wind is in the home policy at all, a separate flood policy, and windstorm inspections.

What to askOn the Calhoun County coast, ask whether wind and hail are in the home policy or need a TWIA policy, and whether the property needs a windstorm inspection before coverage or after a new roof.

Read our Gulf Coast guide.

Bring this question to us: Get a quote or call (936) 348-2688.

Hurricane season runs June 1 through November 30.

Bring the details that matter

Bring the details relevant to your situation. You can start a conversation even if you do not have every document.

  • Your current policies or renewal notices, if you have them.
  • The addresses, buildings, vehicles or equipment you want to insure.
  • How the property and vehicles are used, including any business, farming or ranching activities.
  • Recent changes, your main questions and when you need coverage to start.

Texas resources

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.