Insurance in the Texas Capital Region
Stover & Crouch helps families, business owners, farmers and ranchers across the Texas Capital Region, including Austin, Round Rock and Georgetown. 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.
What do you need to insure?
Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.
Risks in the Capital Region
The Capital Region sits on the Balcones Escarpment, in the part of Texas 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 and the Texas A&M Forest Service; the questions follow Texas Department of Insurance guidance.
Onion Creek in south Austin set a record crest in October 2013 and flooded hundreds of homes, and on Memorial Day weekend 2015 the Blanco River at Wimberley rose from about five feet to about forty-one feet in four hours.
What to askHomeowners insurance generally does not cover flooding, and a creek does not have to sit in a mapped flood zone to come up, so ask about a separate flood policy for a home near Onion Creek, the Blanco, the San Gabriel or a Hill Country draw; most carry a 30-day wait.
Learn about flood insurance.
Bring this question to us: Get a quote or call (936) 348-2688.
Hail reaches the cities most springs; the March 2009 storm was the costliest hailstorm in Austin’s history.
What to askMany Texas home policies set a separate wind and hail deductible as a percentage of the dwelling limit, so ask what yours comes to in dollars and whether the roof is paid at replacement cost or actual cash value.
Bring this question to us: Get a quote or call (936) 348-2688.
In the drought of 2011 the Bastrop County Complex fire destroyed more than 1,600 homes, the most of any wildfire in Texas history.
What to askFire is a covered peril on most home policies, but ask how outbuildings, fences and the contents of a shop are covered, whether the limits would rebuild them, and whether the insurer expects brush and trees cleared back from the house.
Bring this question to us: Get a quote or call (936) 348-2688.
Twenty-seven of the thirty largest fires in Texas history burned between January and May.
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.
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