Home Insurance in Wichita Falls, TX – Montoya Insurance Group, LLC
Why Home Insurance Matters in Wichita Falls
Your home is more than a building — it’s where your family feels safe, your memories are made, and your future is protected. In Wichita Falls, homes face unique risks, from severe storms and hail to unexpected accidents. Having the right home insurance ensures that when life happens, you’re financially secure and able to recover quickly.
At Montoya Insurance Group, LLC, we work with top carriers to find the right plan for your home, your lifestyle, and your budget.
What Our Home Insurance Covers
When you insure your home with Montoya Insurance Group, you’ll have coverage options such as:
- Dwelling Coverage – Protects the structure of your home from fire, hail, windstorms, and other covered events.
- Personal Property Coverage – Safeguards belongings like furniture, appliances, and electronics.
- Liability Protection – Covers legal costs if someone is injured on your property.
- Loss of Use Coverage – Helps with living expenses if your home becomes uninhabitable after a covered loss.
- Other Structures Coverage – Protects detached garages, sheds, fences, and more.
Common Add-Ons & Options
We customize Wichita Falls home insurance policies with:
- Flood Insurance (not included in standard policies)
- Sewer & Water Backup Coverage
- Replacement Cost Options (repair/rebuild your home at today’s value)
- Coverage for high-value items (jewelry, fine art, collectibles)
Who Needs Home Insurance in Wichita Falls?
Every homeowner needs protection, but coverage is especially important for:
- First-Time Buyers – Protecting your biggest investment.
- Families – Ensuring peace of mind when it comes to your home and belongings.
- Landlords – Coverage for rental homes or investment properties.
- Local Residents – Those facing risks like hailstorms, tornadoes, and theft in Wichita Falls and surrounding towns.
Local Risks to Consider
Living in Wichita Falls means facing unique risks that make reliable coverage essential:
- Severe Storms – Tornadoes and hail can cause major structural damage.
- Flooding – Heavy rains and flash floods can damage foundations and belongings.
- Theft & Vandalism – Property crimes make homeowners’ coverage even more critical.
FAQs – Home Insurance in Wichita Falls
Is home insurance required in Texas?
While not required by state law, most mortgage lenders require home insurance. Even without a mortgage, coverage is highly recommended for financial protection.
How much does home insurance cost in Wichita Falls?
Costs vary based on your home’s value, age, location, and coverage needs. We shop multiple carriers to get you the best rate.
Does home insurance cover flooding?
Standard policies do not include flood insurance. We can add flood coverage for complete protection.
Can I bundle my home and auto insurance?
Yes. Bundling home and auto insurance in Wichita Falls can save money and simplify your policies.
Do you offer bilingual service?
Yes. Montoya Insurance Group, LLC serves clients in both English and Vietnamese.
Protect Your Home with Confidence
Get the Right Home Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we treat your home like our own. With personalized guidance, bilingual service, and access to multiple carriers, we’ll make sure you have the right protection for your most valuable investment.