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Stover & Crouch Est. 1920

Insurance in Central Texas

Stover & Crouch helps families, business owners, farmers and ranchers across Central Texas, including Waco, Temple and the Brazos Valley. 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.

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 Central Texas

Central Texas is tornado country first, and the dry years turn the risk to fire and the trees. Choose a risk for what the record shows and the question to ask.

Facts of record from the National Weather Service, the Texas A&M Forest Service and the Texas Department of Insurance, whose guidance the questions follow.

McLennan County has recorded more than seventy tornadoes since 1880, and the Waco tornado of May 1953 is still the deadliest in Texas since 1900.

What to askAsk whether wind and hail carry a separate deductible on the home policy, what it 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.

April and May bring the most tornadoes to North and Central Texas.

The Dyer Mill fire burned 5,280 acres and 30 homes in Grimes County in June 2011.

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.

The 2011 drought killed almost one tree in ten across the Brazos Valley, the hardest-hit part of Texas.

What to askA dead tree near the house is the next storm’s claim, so ask what the policy pays to remove a tree that falls on the house or the fence, and whether it pays anything when the tree misses everything.

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

Floods happen outside the mapped zones: more than half of the homes flooded by Hurricane Harvey were outside designated flood zones, and a home policy does not cover flooding.

What to askAsk about a separate flood policy for a home near the Brazos, the Navasota or a creek, and ask early; most carry a 30-day wait.

Learn about flood insurance.

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

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.