Serving Texas Since 1903

One Agency for All Your Insurance Needs

Willingham Insurance Agency delivers personal and commercial insurance solutions trusted by families and businesses across Ballinger and West-Central Texas for over a century.

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Independent, Local, and Here for You — 120 Years Strong

Many people feel overwhelmed by insurance options and want a partner they can count on. Willingham Insurance Agency has served Texas families and businesses since 1903, earning trust through personalized service, deep local expertise, and a broad network of top-rated carriers. Our Ballinger team makes coverage simpler, guiding you to the right policy for your home, vehicle, farm, or business. If you live in Ballinger, Abilene, San Angelo, Brady, or Brownwood, you’re in good hands with neighbors who understand your needs.

Insurance Services

Insurance Solutions for Every Stage of Life and Business

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Auto Insurance

Protect your ride — whether it’s your family car, motorcycle, or RV. We help you compare rates and coverages so you can drive with confidence.

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Home Insurance

From homeowners to renters, get coverage for what matters most. Our team finds policies tailored to your property and budget.

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Farm & Ranch Insurance

Safeguard your land, livestock, and livelihood with flexible farm and ranch solutions built for Texas agriculture.

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Contractors Insurance

Cover jobsite risks with policies designed for Texas contractors. Get fast help with certificates, bonds, and claims support.

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Life Insurance

Protect your family’s future with flexible life coverage options and local guidance every step of the way.

Insurance Clarity, Local Support, and True Peace of Mind

Choosing Willingham Insurance Agency means less stress and more confidence. With over a century of experience and access to multiple carriers, you get options that actually fit your life — all backed by a local team you can reach anytime. Here are the benefits our clients value most:

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One-Stop Insurance Shopping

Shopping for insurance is time-consuming. We compare options from leading carriers to save you time and money, finding the right fit without hassle.

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Century of Community Trust

You want reliability and stability. With a legacy of serving Texas since 1903, our reputation is built on generations of support.

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Local Experts, Real Answers

When you call, you get knowledgeable staff who know Ballinger and the region — not a call center. That means prompt, personal help when it matters most.

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Coverage That Moves With You

Whether life brings a new car, home, or business venture, we make updating your protection simple and straightforward.

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Claims Support When You Need It

Claims and questions are handled locally, so you always have a familiar advocate in your corner.

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Trusted by Generations Across West-Central Texas

Client Testimonials
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Service That Speaks for Itself

Sally S.

Have used Willingham Agency for many years. Highly recommend. Everyone is friendly and helpful, even the boss!

Amy D.

Ward Painting Inc. has used Willingham Agency for over 11 years and Terilyn is absolutely the best! She is always quick to check on questions we may have and send over documents we need. We highly recommend Willingham Agency!

Cecil B.

Terilyn has always had our interest as her first priority. Her first concern is to meet our current needs and then work proactively to anticipate our future needs.

Barb H.

I have had a great experience working with Debbie, she's fantastic to work with! All of the folks at Willingham Insurance are great to work with. The whole office is efficient, dependable, and quick to get back to you. Great small town people. So glad we have them here in our awesome little town of Ballinger!! THANKS to ALL of YOU!!

Bobby

I have used Willingham insurance agency for 22 years. I’ve never been disappointed. They’re prompt, professional, and personal.

Krun S.

My insurance experience with Willingham Insurance in Ballinger was superior. From the minute I walked in the door through the complete process, I felt I was their first priority. A truly great experience and I highly recommend them for your personal and business insurance needs.

Lynsie P.

Debbie has been absolutely wonderful to work with. She is so helpful and fast when it comes to helping me find the best rates for our needs. I am so glad we made the switch to Willingham Insurance!

Latresha A.

Great service ladies always super sweet

Insights & Resources for Smarter Insurance Decisions

Stay informed with helpful tips, updates, and clear insurance guidance.

If you’ve ever told yourself you were finally going to look into life insurance—and then somehow never got around to it—you’re not alone. Many of us have the intention, even the motivation, but...

Why We Hesitate: The Psychology Behind Underinsurance

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Many homeowners assume their insurance covers every possible scenario, only to discover during a claim that certain high-cost risks require extra protection. These add-ons — commonly called riders,...

Overlooked Home Insurance Riders: Are You Missing Important Coverage?

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Strong financial planning is one of the best ways to protect the people you care about most. Yet when it comes to choosing the right insurance, many people aren’t sure how life insurance differs...

Life Insurance vs. AD&D: What You Need to Know

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Get the Insurance Help You Deserve — Fast, Local, Reliable

Insurance decisions can feel complicated, but you don’t have to handle them alone. Willingham Insurance Agency helps clients across Ballinger, Abilene, San Angelo, Brady, and Brownwood get the answers and support they need with just one call. Let’s take the stress out of protecting what matters most.