(936) 348-2688 Client Support
Stover & Crouch Insurance
Personal Insurance

Home, Auto & Renters Insurance in Texas

We help Texas households find the right starting point: Homeowners, Car & Truck, or Renters. As an independent agency since 1920, we compare options across carriers and explain the tradeoffs in plain language.

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Where we helpBased in Madisonville and working with Texas households. Fit still depends on your details. See where we help.
Phone(936) 348-2688. Call to talk through coverage with a local team member.
Personal policies

Choose the policy that matches your question.

Pick the policy your question is about. A renewal that came in higher than you expected is reason enough to start. Something else, or several things at once? One general review covers it.

Homeowners Insurance

First homes, moves, and the proof your lender asks for.

The house, your belongings up to policy limits, and your liability if a guest is hurt or you are responsible for damage.

Homeowners Insurance

Car & Truck Insurance

New drivers, a first policy of your own, or a new vehicle.

Built around the vehicles you rely on every day: deductibles, liability limits, and coverage for the car or truck itself, explained before you choose.

Car & Truck Insurance

Renters Insurance

A first policy: apartments, leases, and roommates.

Your belongings and your liability, and the small surprises that turn into big problems fast.

Renters Insurance
In plain terms

Reviewing home and auto together.

Many households look at home and auto in the same sitting. A move, a purchase, or a new driver usually touches both. One coordinated review gathers the facts once and keeps the conversation organized. It doesn’t assume one carrier, one policy, or any particular outcome; what fits still comes down to the actual policies and underwriting.

Come as you are

What to have handy

Use what you already have. These details make the first conversation useful. They don’t determine coverage, eligibility, or price.

  • Who lives in the home, and whether you own or rent it
  • Vehicles, drivers, garaging, and how each vehicle is used
  • Current policies and renewal dates
  • What changed: a move, a purchase, a new driver, a new need
  • Timing: when the change starts or the renewal lands
What happens next

Three steps, no paperwork to start

  1. Send what you haveThe list above is plenty.
  2. We review itAnd follow up if a detail is missing.
  3. We talk it throughYou hear what fits and what to weigh. You decide.
Words you’ll hear

Four terms, translated

Premium
What you pay for the policy term.
Deductible
Your part of a covered claim, before the policy pays.
Liability limits
The most the policy pays for covered damage or injury to others.
Underwriting
The carrier’s review that decides eligibility and final terms.
Why Stover & Crouch

An independent agency on your side of the table.

Serving Texas households since 1920. Personal insurance is rarely one-size-fits-all. We compare carrier options with you, explain the tradeoffs without the jargon, and keep coverage in step as your household changes. The work continues after the policy starts, not just before it.

Choice

Quotes from multiple carriers. We work for you, not one company.

Straight answers

Deductibles, liability limits, and coverage gaps, explained before you decide.

Kept current

Moves, purchases, and household changes coordinated as they happen.

One person to call

A local team member on the line when it can’t wait.

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Ready when you are

Ready to review your personal insurance?

Start one request for your home, vehicles, and everything in between. We'll review what you send and follow up.

A website request does not bind, change, or confirm coverage. Already a client? Use Client Support.

Start your review Call (936) 348-2688

Our team answers the phone Monday through Friday, 8 to 5.