Insurance in the Texas High Plains
Stover & Crouch helps families, business owners, farmers and ranchers across the Texas High Plains, including Amarillo, Lubbock and Plainview. 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.
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What do you need to insure?
Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.
Risks on the High Plains
The Panhandle’s weather comes in wide open: hail, wind, dust, blizzards and grass fire. 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.
Hail is the most reported severe weather in the Texas Panhandle, and nearly all of it falls from May through September.
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. Hail on a pickup is a comprehensive claim, not collision, so ask whether every vehicle carries it and how tractors, sprayers and pivots are listed on the farm policy.
Bring this question to us: Get a quote or call (936) 348-2688.
Ninety-three percent of Panhandle hail falls May through September.
This is one of the windiest regions in the country, and dust storms have cut visibility on the highway to near zero.
What to askA dust-storm pileup on the interstate is the reason to carry liability above the Texas minimum and uninsured motorist coverage, so ask about both; sand damage to a vehicle is a comprehensive claim.
Bring this question to us: Get a quote or call (936) 348-2688.
Snowfalls of ten inches or more with near-blizzard conditions come about once in five years, and the February 2013 blizzard closed every road in both Panhandles.
What to askAsk whether a pipe that bursts in a freeze is covered and what the policy expects of an empty house in winter, and on a ranch ask whether livestock are covered for freezing or smothering in a blizzard.
Bring this question to us: Get a quote or call (936) 348-2688.
In a dry year the grass burns: the Smokehouse Creek fire of 2024 started in Hutchinson County and is the largest wildfire in recorded Texas history.
What to askFire is a covered peril on most home and farm policies, but fences, stored hay, outbuildings and livestock each carry their own limits, so ask what they are before the grass cures.
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.
County insurance guides
Explore local property, business and coverage questions, with information for communities throughout each county.
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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