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Stover & Crouch Est. 1920

Insurance for Lubbock County, Texas

Farm, home, business and auto insurance for Lubbock, Wolfforth, Slaton and Shallowater.

Get a quoteCall (936) 348-2688

High Plains region

Explore Lubbock County

Insurance for your home, vehicles, business and land

Start with the coverage you need, then use the local questions below to prepare for a review.

The Stover & Crouch team in the Madisonville office.
The Stover & Crouch team, serving families and businesses across Texas.

Meet your insurance team

Get help comparing quotes, understanding your coverage and requesting policy changes.

  • Craig StoverAgency president helping families, landowners and businesses
  • Steven StoverCommercial insurance · IIAT Board of Directors
  • Tammy DriskellMore than 40 years of service with Stover & Crouch
  • Sheila PiercePersonal auto specialist with 25 years at the agency
  • Erin FergusonPersonal, business and farm & ranch insurance
  • Tyler StoverCommercial insurance and operations with catastrophe claims experience

What local records can help you ask

2025 homeowners paid losses

$397.4 million

Paid across Lubbock County in 2025, according to the Texas Department of Insurance.

TDI county loss data · Download source data (CSV)

A documented local storm

Large hail in southwest Lubbock

On June 23, 2023, the National Weather Service recorded a report of estimated 4.5-inch hail in southwest Lubbock and described damage to cars and buildings. Review the home, business property, and vehicles separately; one policy does not answer every hail question.

NWS Lubbock storm report · June 23, 2023

The payment total covers homeowners policies, not farm, commercial, auto, renters, condo, dwelling-only or TWIA losses. It is not an average claim or a forecast of your premium. The storm example is separate historical evidence; it does not explain the 2025 total or predict the next storm.

Sources checked October 6, 2026.

Know what you would pay after damage

Compare roof claim payments

Ask whether a covered roof loss uses replacement cost or actual cash value, which accounts for age and wear. Check roof endorsements as well as the summary page. If renewal terms have changed, compare the new wording with last year’s policy before deciding.

TDI’s roof coverage guidance

Put the deductible into dollars

For illustration, a 2% deductible applied to a $300,000 insured dwelling value is $6,000, not 2% of the repair bill. Check the percentage and the value your own policy uses, and whether wind or hail has a separate deductible. Use those figures when comparing proposals.

TDI’s explanation of deductibles

Explain home and business uses

Tell us if a garage holds business tools, a building is rented out, or customers come to the property. Home insurance may not cover all business equipment or injuries involving customers and employees. Bring lease requirements and describe where equipment is kept.

TDI’s guidance on business use of a home

Make the roof and deductible comparison easier

Bring the current policy and the proposal you are considering, if you have one.

  • Declarations pages, roof endorsements, and the renewal or proposed effective date.
  • Roof material, installation date if known, repair records, and current photos.
  • The wind or hail deductible and the insured value used to calculate it.
  • Building and vehicle uses, business equipment, lease requirements, and any insurer notice.

Next step

Talk through your Lubbock County insurance needs

Work with our Texas-based independent agency by phone, email, or online. You do not need to make a trip to start a review.

Coverage depends on the insurer, policy terms, and your circumstances.