Texas Insurance Agencies

Texas law requires all drivers to carry minimum liability coverage of $30,000 per injured person (up to $60,000 per accident) plus $25,000 for property damage — often called 30/60/25. Uninsured/underinsured motorist coverage is strongly recommended given Texas' share of drivers without insurance.

For homeowners, Texas policies must contend with hail, tornadoes, severe thunderstorms, wildfires in the Hill Country, and hurricane exposure along the Gulf Coast. Wind and hail are typically covered by standard homeowners policies in most inland areas, but coastal residents often need separate windstorm coverage through the TWIA pool. Flood insurance is a separate policy via NFIP or private markets.

Texas is a large, diverse market with ~192,000 licensed P&C agents and thousands of independent agencies. Working with a local Texas agency that understands your region's risks — whether Gulf Coast, North Texas tornado alley, or Hill Country wildfire zones — helps you match carriers, coverage, and price to your situation.