Top agents near you in Texas
Find the Right Agents for Your Insurance Needs
Associated Carriers – Allstate (principle), Hagerty, American Modern, Sage Surge, Wellington
“I enjoy helping people protect against life’s uncertainties that could cause a financial hardship without the protection that insurance provides us. “
Insurance Products – Personal insurance, Business insurance
📍Katy, Texas, 77494
Associated Carriers – AIG, Chubb, Nationwide, Mercury, Safeco, State Auto, Berkeley One, and more.
“I listen. We discuss. You implement.”
Insurance Products – Personal Business, Business Insurance
📍Dallas, Texas, 75240
Associated Carriers – AIG, Aetna, United Healthcare, Voya, American Funds, National General, Lincoln Financial Group, CUNA Mutual, Primerica, and more.
“Our industry leading agents save you money and time providing you the best coverage at the lowest cost”
Insurance Products – Life Insurance, Health Insurance
📍Universal City, Texas, 78148
Insurance Products – Personal Insurance, Business Insurance
📍Houston, Texas, 77060
Associated Carriers – Humana, Cigna, Aetna, Americo, National Life Group, Wellcare, Ameritas, and more.
“My Goal is to help clients understand their options and feel comfortable with the choices they make when it comes to insurance.”
📍Dallas, Texas, 75243
Find Agents for Different Coverages in Texas
Texas is the second largest state in the United States by population and has a diverse landscape. Hence, Texas is exposed to all kinds of natural disasters like flooding, tornadoes, wildfires, erosion, and sinkholes, making it the most vulnerable state in the U.S., as per the records.
Insurance is essential for all the residents of Texas to protect their prized assets, including their businesses. However, insurance can be expensive in Texas due to natural disaster risks, high rebuilding costs, and a dismal insurance fraud record.
So, connect with our experienced local insurance agents in Texas to find the coverage that best fits your needs and budget.
Find insurance agents near your cities in Texas
Why Agency Height?
Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.
The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best.
Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose.
Popular Coverages in Texas
Most of the top insurance carriers offer a diverse range of coverage in the state of Texas. Insurance buyers can get coverage as per their insurance needs and specific requirements. For instance, insurance agency Houston, Tx may provide different policy for the residents of Houston.
Here are the popular coverage options in Texas for important insurance policies:
- Personal Liability Protection
- Dwelling Coverage
- Personal Property
- Additional Living Expenses (ALE)
- Medical Payments Coverage
- Flood Insurance
- Bodily Injury Liability
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
- Collision/Comprehensive Coverage
- Personal Injury Protection (PIP)
- Business Owners’ Policy (BOP)
- General Liability Insurance
- Workers’ Compensation Insurance
- Professional Liability Insurance
- Risk Engineering Insurance
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
Average Insurance Rates in Texas
Average premium rates in Texas vary depending on a number of factors, including the type of insurance you need and the provider you choose. However, these are some general rates that can help you estimate the cost of insurance in Texas.
|Type of Insurance||Average Annual Premium Rates|
|Business Insurance||$300 -$5,000 (per coverage)|
Frequently Asked Questions
What kinds of perils are covered by homeowners' insurance in Texas?
A homeowners’ insurance policy in Texas covers a variety of perils, including windstorms, tornadoes, fires, and theft. It can also provide coverage for water damage, mold, and other types of property damage. In Texas, homeowners’ insurance is essential to protect your home and belongings as the state is highly prone to natural disasters.
What does auto insurance cover in Texas?
Auto insurance in Texas comprises of mandatory and optional coverage. A standard policy includes liability coverage, uninsured/ underinsured motorist coverage, personal injury protection, and medical payments. Car drivers can also opt for collision/comprehensive coverage for more protection during accidents.
What are the minimum state requirements for car insurance in Texas?
The state of Texas requires all car owners to fulfill the following minimum insurance requirements:
- Bodily injury liability: $15,000 per person
- Bodily injury liability: $60,000 per accident
- Property damage liability: $25,000 per accident
What is the average cost of home insurance in Texas?
The average cost of home insurance in Texas is $3341 or about $278 per month. Texas is the fifth most expensive state in the U.S. to insure a home. Hence, it’s best to consult with a local insurance agent to get the right figures for your property.
What coverage options are available under commercial insurance for businesses in Texas?
Commercial insurance is crucial for businesses operating in a disaster-prone state like Texas. Small business owners can get all the standard coverage options under commercial insurance, like general liability insurance, commercial property insurance, professional liability insurance, commercial auto insurance, workers’ compensation insurance, and employees’ practices liability insurance.
What types of life insurance policies are available in Texas?
Term life insurance, permanent life insurance, whole life insurance, and universal life insurance are the life insurance policies available in Texas
Why is home insurance so expensive in Texas?
One of the main reasons is that the state is prone to natural disasters, such as hurricanes and floods. Secondly, the cost of rebuilding can be extremely high, especially in coastal areas. Lastly, Texas has a high rate of insurance fraud.
What is the average cost of car insurance in Texas?
The average is $1868 per year or $156 per month. Rates are subject to fluctuation, so we recommend that car owners consult with insurance agents or request quotes from carriers to get the exact numbers for their automobiles.
How long does it take to receive a settlement check after making a claim in Texas?
State law in Texas requires insurance companies to respond to all filed claims within 15 days. Generally, it takes 4 to 6 weeks to receive a settlement check. Carriers must make their final settlements by the end of 5 business days after a claim has been approved.
Is flood insurance important in Texas?
It’s imperative that homeowners in Texas, particularly the ones who live near coastal areas, get the right flood insurance. Texas is a flood-risk zone and standard homeowners’ insurance doesn’t include flood coverage. Almost every major city in Texas is in a high-risk area. Getting additional coverage is important if you live in Texas or if you are planning to move to Texas.
What is the average cost of flood insurance in Texas?
The average cost of flood insurance in Texas is about $634 per year. However, the rates can increase depending on the proximity of your property to flood zones and other factors like size, type of coverage, and deductible amount.
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