Martinez Insurance
1319 S Oakes St, San Angelo, TX 76903
View this agency's profile to learn more about their services.
Loading...
City directory
San Angelo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1319 S Oakes St, San Angelo, TX 76903
View this agency's profile to learn more about their services.
1225 S Bryant Blvd, San Angelo, TX 76903
View this agency's profile to learn more about their services.
2009 W Beauregard Ave, San Angelo, TX 76901
View this agency's profile to learn more about their services.
3196A Executive Dr, San Angelo, TX 76904
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to San Angelo residents.
No, unlike coastal Texas communities, San Angelo homeowners receive wind and hail coverage included in their standard homeowners policy. However, this coverage typically comes with a 2% deductible based on your home's insured value, meaning you'll pay the first 2% of any wind or hail damage out of pocket.
San Angelo homeowners pay significantly less than the state average. Local policies typically cost $1,264 to $2,578 annually, while the Texas state average is $4,585. The difference is primarily because San Angelo doesn't face hurricane risk like coastal communities, which drives up insurance costs dramatically.
It depends on your property's location. About 10% of San Angelo properties face severe flood risk, particularly homes near O.C. Fisher Lake, the Concho River, or in low-lying areas. Standard homeowners policies don't cover flooding, so if you're in a flood-prone area, separate flood insurance through NFIP or private insurers is essential.
Hail and tornado activity pose the most significant threats. Tom Green County experiences frequent severe storms with baseball-sized hail and is classified as a moderate tornado risk area. The 1953 F4 tornado remains the most destructive on record, and the area continues to see regular tornado warnings and damaging hail events.
Roof age significantly impacts both your eligibility and costs. Many insurers won't provide replacement cost coverage for roofs over 15 years old, instead offering only depreciated actual cash value. Given San Angelo's frequent hail activity, upgrading to impact-resistant shingles not only protects your home better but often qualifies you for insurance discounts.
Yes, increasingly so. While often overlooked, 99% of San Angelo properties face some wildfire risk over the next 30 years due to West Texas grasslands, drought conditions, and high winds. Insurers are factoring this into pricing, especially for properties near undeveloped land. Creating defensible space and using fire-resistant materials can help mitigate both risk and costs.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network