Hub Insurance Agency
1165 E Main St, Ste B, Alice, TX 78332
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Alice households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1165 E Main St, Ste B, Alice, TX 78332
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905 E Main St, Alice, TX 78333
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177 County Road 480, Alice, TX 78332
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Learn about insurance coverage options specific to Alice residents.
Alice homeowners pay $1,400-$1,900/year for home insurance. Learn about South Texas weather risks, coverage needs, and how to save on your premium.
Car InsuranceGet the facts on Alice, Texas auto insurance: 30/60/25 minimums, at-fault rules, rising costs, and coverage for oil & gas workers. Smart guide for Jim Wells County drivers.
General Insurance EducationComplete insurance guide for Alice, Texas residents. Learn about homeowners, auto, flood, and oil industry coverage needs in Jim Wells County. Get local insights.
Most of Alice is not in a high-risk flood zone, but if your home is near Lake Alice or local creeks, flood insurance is worth considering. Standard home insurance doesn't cover flooding, so you'd need a separate policy through NFIP or a private carrier. Even in low-risk areas, a flood policy can cost as little as $400-$600 annually and provides valuable protection during heavy rains.
Alice homeowners typically pay between $1,400 and $1,900 per year for home insurance, which is below the Texas state average. Your actual premium depends on your home's age, construction type, roof condition, coverage amounts, and claims history. Being inland reduces hurricane risk, which helps keep rates lower than coastal areas.
Hail and wind from spring thunderstorms are the biggest concerns in Jim Wells County. Golf ball-sized hail can damage roofs, siding, and vehicles, while high winds can tear off shingles and topple trees. Occasional winter freezes can also cause burst pipes and HVAC failures, so your policy should cover sudden water damage.
Yes, but only up to the limit in your "other structures" coverage, which is typically 10% of your dwelling coverage. If you have valuable equipment, tools, or vehicles stored in a detached garage or workshop, you may need to increase this coverage to fully protect those structures and contents.
Absolutely. Most insurance carriers offer a multi-policy discount of 15-25% when you bundle home and auto coverage. In Alice, where most people drive to work in the oil fields or around town, bundling can save you several hundred dollars a year while simplifying your insurance management.
Replacement cost coverage is almost always the better choice. It pays to rebuild or replace items at today's prices without deducting for depreciation. Actual cash value coverage is cheaper but leaves you short when construction costs and materials have increased, which has been common in recent years across Texas.
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