Insurance in Northwest Texas
Stover & Crouch helps families, business owners, farmers and ranchers across Northwest Texas, including Abilene, Wichita Falls and Brownwood. 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.
What do you need to insure?
Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.
Risks in Northwest Texas
The Rolling Plains get hail and tornadoes most springs, and the grass burns in a dry one. Choose a risk for what the record shows and the question to ask.
Facts of record from the National Weather Service and the Texas A&M Forest Service; the questions follow Texas Department of Insurance guidance.
Severe hail is common across West Central Texas, April through June above all, and the Big Country around Abilene sees more of it than most of the region.
What to askAsk whether the home policy carries a separate wind and hail deductible, what it comes to in dollars, and whether the roof is paid at replacement cost or actual cash value. Hail on a pickup or a stock trailer 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 hail in West Central Texas falls most often from April through June.
Wichita Falls took an F4 tornado in April 1979 that 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.
The Eastland Complex fires of March 2022 burned more than 54,000 acres and destroyed more than 100 structures in Eastland County.
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, and a fence line is long, so ask what the limits 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.
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.
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.
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