Texas Insurance Solutions

Comprehensive Insurance Coverage for Texas Residents

Everything's bigger in Texas, including insurance needs. From severe weather to expansive properties, Texas residents require specialized coverage. We help Texans find affordable insurance that meets state requirements and protects against regional risks.

Texas Auto Insurance Requirements

Texas law requires all drivers to maintain minimum liability coverage:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury (multiple people)
• $25,000 per accident for property damage

This is known as 30/60/25 coverage and is the legal minimum in Texas.

Recommended Auto Insurance Coverage in Texas

While minimum coverage meets legal requirements, we recommend higher limits:

• 100/300/100 Liability: Better protection for your assets
• Uninsured Motorist Coverage: Protects you from uninsured drivers (common in TX)
• Comprehensive Coverage: Covers hail, theft, and weather damage
• Collision Coverage: Repairs your vehicle after accidents
• Medical Payments: Covers medical expenses for you and passengers

Texas Auto Insurance Challenges

Texas drivers face unique insurance challenges:

• Severe Weather: Hail storms cause billions in vehicle damage annually
• Uninsured Drivers: About 14% of Texas drivers lack insurance
• Urban Congestion: Major cities have high accident rates
• Rural Roads: Long distances and wildlife hazards
• High Theft Rates: Vehicle theft is common in urban areas

Texas Home Insurance

Texas homeowners face unique property risks requiring comprehensive coverage:

Essential Texas Home Insurance Coverages

• Dwelling Coverage: Protects your home's structure
• Hail and Wind Coverage: Critical for Texas weather
• Personal Property: Covers belongings inside your home
• Liability Protection: Legal protection up to policy limits
• Additional Living Expenses: Temporary housing during repairs

Texas Weather Risks

Hail Damage: Texas leads the nation in hail claims. Comprehensive coverage is essential.

Tornadoes: Tornado Alley extends through North Texas. Ensure adequate dwelling coverage.

Hurricanes: Coastal areas face hurricane risks. Consider separate windstorm coverage.

Flooding: Standard policies don't cover floods. Separate flood insurance recommended.

Saving on Texas Home Insurance

• Impact-Resistant Roofing: Hail-resistant shingles reduce premiums
• Wind Mitigation: Hurricane straps and reinforced construction
• Security Systems: Monitored alarms lower rates
• New Home Discount: Recently built homes cost less to insure
• Bundle with Auto: Combine policies for 15-25% savings

Texas Commercial Insurance

Texas businesses need specialized insurance protection:

Commercial Auto Insurance in Texas

• Delivery service coverage (Amazon, DoorDash, Uber Eats)
• Contractor truck and equipment insurance
• Fleet coverage for multiple vehicles
• Oil field vehicle insurance

General Liability Insurance

• Restaurant and bar liability (including liquor liability)
• Retail store coverage
• Construction general liability
• Professional services E&O

Workers' Compensation in Texas

Texas is unique—workers' comp is optional for most private employers. However, we recommend it to:

• Protect against employee injury lawsuits
• Meet contract requirements
• Attract quality employees
• Comply with federal requirements (if applicable)

Major Texas Cities We Serve

We provide insurance coverage throughout Texas:

• Houston: Comprehensive coverage for Space City
• Dallas: DFW metro insurance specialists
• Austin: Capital city insurance solutions
• San Antonio: Alamo City coverage experts
• Fort Worth: Tarrant County insurance services
• El Paso: West Texas insurance specialists
• Arlington: Mid-Cities coverage options
• Corpus Christi: Coastal insurance experts
• Plano: Collin County specialists
• Lubbock: Panhandle insurance solutions

Why Choose Us for Texas Insurance?

• Texas Expertise: We know Texas insurance requirements and risks
• 36+ Carriers: Access to all major Texas insurers
• Weather Specialists: Expert guidance on hail and storm coverage
• Fast Service: Same-day coverage available
• Local Knowledge: Familiar with regional risks
• Competitive Rates: Find the best price for your coverage