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Home Insurance

How Does Homeowners Insurance Help You?

Your home is a considerable investment and having home insurance will help protect that investment. If your home is damaged in the event of a storm or a fire, or if someone is injured on your property and sues, insurance will help protect you.

What Factors Affect Home Insurance?

There are many factors that can affect homeowner’s insurance. Your home features and characteristics can affect your premiums. The location of your home can affect insurance coverage as well. If you install protective devices, such as burglar alarm systems, you could lower your premium. An agent at Norment & Landers Insurance can go over your options for insurance.

Are You Required to Have Homeowners Insurance?

You can technically own a home in Texas without homeowner’s insurance. However, if you have a mortgage on your home, then you will be required to have home insurance coverage. There are certain things like flooding and earthquakes that are not covered by homeowner’s insurance, but mortgage lenders can still require that you get additional coverage to protect against these perils. Once you pay off your mortgage, you don’t need to keep the insurance, but you should to protect your home.

Should You Do a Home Inventory?

When you get homeowners insurance in Texas, it is recommended you do a home inventory. A complete home inventory will help make any claims easier down the road. As part of your home inventory, you should make a list of all your possessions and describe each item. It’s important to list big-ticket items, which include jewelry, artwork, and other collectibles. Take pictures to make it easier to verify. Don’t store your home inventory list in the home. Make sure you keep it and any photos secure in a safety deposit box.

Contact Norment & Landers Insurance to get a quote on home insurance. Our agents can answer your questions and help you get started on a policy.


Personal service, customized policy and actual visit and review of items covered in policy.

Customer since 2018

Norment and Landers is very easy to work with and the communication is always excellent.

Cody W., customer since 2016

Everyone is very professional and is always there to help in any service. Great relationships with the customer.

Steve C., customer since 2011

Always friendly, helpful and quick to respond.

Brittany M., customer since 2017

We are very satisfied with the service of Norment and Landers. Any time I need something, I email Erik and it is taken care of within minutes. I would recommend your service to everyone.

Crystal U., customer since 2016

Thank you to Norment & Landers for taking care of our every need! Sims is always so helpful, and never hesitates to answer every question (no matter how small). Wouldn't do business anywhere else!!

Ashley R., customer since 2016

Brad proposed corporate medical insurance for our team. He has guided us through the process and keeps us up to date each year. This has helped our employees greatly. The staff is always helpful. We are being taken good care of.

Joella L., customer since 2018

We never worry about what our insurance coverage should be, we know you will give us a reminder to review our needs at renewal time. Thanks, Al

Al R., customer since 2016

I like that I can email Sims directly and he makes it happen. I don't have to worry about anything. Just email Sims and it gets taken care of.

Ross W., customer since 2009

We are happy with our coverage and the shopping for insurance that meets our needs at a great price.

Gary B., customer since 2017

When we had any questions about our policies we were given all the information we needed. Very informative and helpful.

Judy P., customer since 2015

Always helpful, respond promptly

Customer since 2010

Always helpful

Tami M., customer since 2018

I've got very professional knowledge , so convenient and friendly services when I walk out from their office. Even I don't need to go to their office they still get my things done. Thanks Brad

Pi T., customer since 2018

You always are available, and friendly.

Customer since 2012

I was dreading the process for finding good and affordable insurance, but Erik and his team made it quick and painless. I really appreciated the ease of everything and will definitely continue to use Norment and Landers Insurance.

Mally C., customer since 2019

Consistent, personalized, excellent service from real folks with familiar names and faces

Customer since 2012

Very easy to get a quote and to begin coverage through Norment and Landers. Cody Upchurch was very helpful and got me a great rate with excellent coverage.

Bradley F., customer since 2019

Friendly, informed staff always willing to explain specifics or answer questions. Competitive rates and easy claims process.

Bret H., customer since 2016

Personalized service made me feel that I was important and my needs could be meant!

Rita G., customer since 2018


John B., customer since 2000

Good people. Great service.

Mark F., customer since 2016

You take time to explain the policies & you always look for the best price & coverage to fit my needs. The entire staff has always been professional and respectful. I highly recommend Norment & Landers Insurance.

Jo R., customer since 2018

I appreciate how easy it is to get information and support anytime that I have questions about insurance coverage. Customer service has been exceptional-responsive and timely!

Patricia M., customer since 2014