Insurance in West Texas
Stover & Crouch helps families, business owners, farmers and ranchers across West Texas, including Midland, Odessa and San Angelo. 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 West Texas
West Texas risk is dry-country risk, and when the rain comes it comes hard. 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.
A wind-driven grass fire can run faster than six miles an hour. In the drought of 2011 Midland County alone had 119 wildfires that burned more than 30,000 acres, and the Hickman fire took 34 structures.
What to askFire is a covered peril on most home and farm policies, but fences, stored hay, outbuildings, livestock and equipment in the field each carry their own limits, so ask what they 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.
The wind raises walls of dust that have dropped highway visibility to zero.
What to askA dust-storm pileup on the interstate is the reason to carry liability above the Texas minimum and uninsured motorist coverage, so ask about both; sand damage to a vehicle is a comprehensive claim, not collision.
Bring this question to us: Get a quote or call (936) 348-2688.
In August 2011 the Concho River ran through downtown San Angelo and swept vehicles off the roads, and a May 2021 storm over Odessa brought 27 high-water rescues in one evening.
What to askHomeowners insurance generally does not cover flooding, and a draw that is dry eleven months of the year can fill a street in an hour, so ask about a separate flood policy for a home near a draw, a creek or the Concho.
Learn about flood insurance.
Bring this question to us: Get a quote or call (936) 348-2688.
Baseball-sized hail fell for 45 minutes at the National Weather Service office in Midland in May 2024.
What to askAsk what the wind and hail deductible comes to in dollars and whether the roof is paid at replacement cost or actual cash value, and ask whether every vehicle carries comprehensive coverage.
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.
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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