Red Oak has 17,077 residents in 5,347 households. We list 10 agencies for home insurance in Red Oak. Here is what the local numbers say about the cover people here need.

Red Oak at a glance

10home insurance agencies listed
24.5%of households rentRenters insurance
$366,100median home valueHome insurance
2007median year homes were builtRebuild cost calculator
7.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Ellis County

FEMA rates the overall natural hazard risk in Ellis County, where most Red Oak agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Red Oak
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Red Oak

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Red Oak How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Red Oak agencies work with

Of the 10 Red Oak agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GAINSCO4 agencies
Progressive4 agencies
Travelers4 agencies
Foremost3 agencies
GEICO3 agencies
Home State3 agencies
Travelers (Standard Fire)3 agencies
Aetna2 agencies
Agricultural Workers Mutual Auto Insurance Company2 agencies
American Family Life Assurance Company of Columbus2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Home insurance in Red Oak

All insurance agencies in Red Oak · Home insurance across Texas

Where can I find home insurance in Red Oak?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Red Oak agencies work with?

Among the 10 Red Oak agencies whose appointments we hold, the companies they are most often appointed with are GAINSCO (4), Progressive (4), Travelers (4), Foremost (3), GEICO (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Red Oak?

FEMA's National Risk Index rates inland flooding risk in Ellis County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Home insurance near Red Oak

For insurance agencies

Is your Red Oak agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing