Insurance in the Texas Panhandle & Plains
Stover & Crouch helps families, business owners, farmers and ranchers across the Texas Panhandle and Plains, including Amarillo, Lubbock 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 the Panhandle and Plains
On the Plains the sky does most of the damage. 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.
Thunderstorms bring large hail and damaging wind through the warm season, especially spring, and tornadoes are most common from April to June.
What to askAsk whether the roof is insured at replacement cost or actual cash value, and whether wind and hail carry their own deductible, which on many Texas policies is a percentage of the dwelling limit rather than a flat amount. A hailed-out pickup is paid under comprehensive coverage, not collision.
Bring this question to us: Get a quote or call (936) 348-2688.
Tornadoes are most common from April to June.
The East Amarillo Complex fires of March 2006 burned more than 900,000 acres and remain the deadliest wildfire in Texas history, and the Smokehouse Creek fire of 2024 was larger still.
What to askMost home and farm policies cover fire, but the limits on fences, stored hay, outbuildings and livestock decide the check, so ask what they are and whether cattle are covered in the pasture as well as in the pens.
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 March 1957 blizzard is the worst spring blizzard on record here, and the February 2013 storm closed every road in both Panhandles.
What to askOn a ranch, ask whether livestock are covered for freezing or smothering in a blizzard, and at the house ask whether a pipe that bursts in a freeze is covered and what the policy expects of an empty house in winter.
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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