Insurance in North Texas
Stover & Crouch helps families, business owners, farmers and ranchers across North Texas, including Dallas, Fort Worth, Wichita Falls and surrounding 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.
Explore our regional guides
What do you need to insure?
Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.
Risks in North Texas
North Texas gets hail and tornadoes nearly every year, and the season peaks in spring. Choose a risk for what the record shows and the question to ask.
Facts of record from the National Weather Service; the questions follow Texas Department of Insurance guidance.
The Mayfest hailstorm of May 1995 in Fort Worth is still one of the costliest hailstorms on record.
What to askAsk whether wind and hail carry a separate deductible, what it comes to in dollars, whether the roof is paid at replacement cost or actual cash value and whether that changes as the roof ages. A hailed car is a comprehensive claim, so ask whether every vehicle carries it.
Bring this question to us: Get a quote or call (936) 348-2688.
Severe weather in North Texas peaks in spring.
The National Weather Service in Fort Worth counts about 26 tornadoes a year across North and Central Texas, most of them in April and May; the Wichita Falls tornado of April 1979 destroyed more than 3,000 homes.
What to askAsk whether the dwelling limit would rebuild the house at today’s prices, and what the policy pays for somewhere to live while it is rebuilt.
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 same storms fill creeks and underpasses fast; the rain behind the Mayfest hail flooded Dallas County streets the same night.
What to askHomeowners insurance generally does not cover flooding, so ask about a separate flood policy for a home near a creek; 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.
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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