Clients First Insurance Group, LLC
713 S Main St, Quitman, TX 75783
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713 S Main St, Quitman, TX 75783
View this agency's profile to learn more about their services.
710 S Main St, Quitman, TX 75783
View this agency's profile to learn more about their services.
710 S Main Street, Quitman, TX 75783
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303 W Bermuda St, Quitman, TX 75783
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Learn about insurance coverage options specific to Quitman residents.
Complete guide to insurance in Quitman, TX. Learn about auto requirements, home coverage, lake property risks, and local agents in Wood County.
Home InsuranceQuitman home insurance costs $4,500-$6,000/year. Learn about Lake Fork flood risks, hail coverage, and ways to lower your premium in Wood County, Texas.
Car InsuranceComplete guide to auto insurance in Quitman, TX. Learn about Texas's 30/60/25 requirements, at-fault system, and coverage options for Wood County drivers.
Texas requires all drivers, including those in Quitman, to carry minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. However, most insurance agents recommend higher limits to adequately protect your assets, especially if you own property or have significant savings.
Yes, you should strongly consider flood insurance if you live near Lake Fork or in areas prone to water drainage. Standard homeowners insurance policies do not cover flood damage. You can purchase flood insurance through the National Flood Insurance Program or private insurers, and you don't have to be in a designated flood zone to benefit from this coverage, as heavy rains can cause flooding anywhere.
No, standard homeowners insurance does not adequately cover boats. If you own a bass boat, pontoon, or any watercraft, you need separate boat insurance that covers physical damage to your vessel, liability if someone gets hurt while you're operating it, and medical payments for passengers. Given Lake Fork's heavy traffic, this coverage is essential for protecting yourself financially.
While specific rates for Wood County vary by property and coverage level, the average homeowners insurance in Texas costs around $4,101 annually for $300,000 in dwelling coverage. This is significantly higher than the national average due to Texas weather risks. Your actual cost depends on your home's value, age, construction type, and coverage choices.
Working with one of Quitman's four local insurance agencies offers advantages—they understand Wood County's specific risks, including lake-related issues and local weather patterns, and can provide personalized service when you need to file a claim. While online quotes might seem convenient, a local agent who knows the community can help ensure you have adequate coverage for your unique situation.
Texas law does not require homeowners insurance, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, going without coverage leaves you financially vulnerable to weather damage, liability claims, and other losses that could cost tens or hundreds of thousands of dollars to repair or replace.
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