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Stover & Crouch Est. 1920

Insurance in the Texas Hill Country

Stover & Crouch helps families, business owners, farmers and ranchers across the Texas Hill Country, including Fredericksburg, Kerrville and surrounding Hill Country communities. 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 Hill Country

The Hill Country’s weather is water and fire. 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 A&M Forest Service; the questions follow Texas Department of Insurance guidance.

The Hill Country is the heart of what the National Weather Service calls Flash Flood Alley: steep ground, thin soil over limestone and rain that comes in inches an hour. In July 2025 the Guadalupe River at Kerrville rose more than 30 feet in an hour and a half.

What to askHomeowners insurance generally does not cover flooding, and a home on a creek or a river does not have to sit in a mapped flood zone to flood, so ask about a separate flood policy; most carry a 30-day wait. A vehicle lost at a low-water crossing is a comprehensive claim, so ask whether every vehicle carries it.

Learn about flood insurance.

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

Cedar and grass burn in a dry year, and going into 2026 the Texas A&M Forest Service flagged exceptional grass loads across the Hill Country.

What to askFire is a covered peril on most home and farm policies, but fences, outbuildings, stored hay and livestock each carry their own limits, so ask what they are and whether the insurer expects cedar and brush 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.

Spring storms drop large hail here too; two-inch hail fell near Willow City in Gillespie County in April 2014.

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.

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.

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.