From a house in the suburbs to a weekend place on the coast, Texas households often have more than one property, vehicle, and risk to protect. Personal insurance works best when every policy is reviewed together.
Shopping for personal insurance in Texas? Coverage can change a lot from one part of the state to another. A Blue Peak advisor can help you compare home and auto insurance in Texas, along with flood, wind, and liability options for each property you own.
A primary home in Dallas, a lake house in the Hill Country, and a rental near Houston can each need different coverage. Blue Peak helps you see all of them in one place.
Most Texas households combine several policies. Here is how they typically work together.
A homeowners policy can help pay to repair your house and replace belongings after a covered loss, and it usually includes liability. For details on dwelling limits and storm deductibles, see home insurance in Texas.
Texas law requires at least 30/60/25 liability coverage. Auto policies in Texas include personal injury protection (PIP) and must offer uninsured/underinsured motorist coverage unless you reject them in writing. Compare your options on our auto insurance page.
If you drive borrowed or rented cars but do not own one, a non-owner policy can provide liability coverage. It does not pay for damage to the car you are driving. Learn more about non-owner car insurance in Texas.
A home you rent to tenants usually needs a landlord policy instead of a standard homeowners policy. Read about landlord insurance in Texas.
A licensed Blue Peak advisor can review your homes, vehicles, and liability coverage together and help you request quotes.
Where your property sits in Texas can shape what a policy covers and what you need to add.
In most of the state, homeowners policies usually cover wind and hail, though the deductible for those claims may differ from your other deductibles. Ask how yours is set.
Along the Gulf Coast, a homeowners policy might not cover wind and hail. Many coastal owners get that coverage through the Texas Windstorm Insurance Association (TWIA), which has its own eligibility rules.
Most homeowners and landlord policies do not cover flood. Flood insurance is available through the National Flood Insurance Program or private insurers, and most policies have a 30-day waiting period. Learn more about flood insurance.
Bring these questions to your next policy review:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell personal insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Homes in many coastal counties need separate windstorm coverage through the Texas Windstorm Insurance Association (TWIA), and hail deductibles are often a percentage of the dwelling limit.
Blue Peak works with individuals and families in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your personal insurance before you decide.
Personal insurance includes the policies that protect you and your household, such as homeowners, auto, and umbrella coverage. Depending on what you own, it can also include landlord, flood, and non-owner auto coverage.
Texas requires at least $30,000 per person and $60,000 per accident for injuries, plus $25,000 for property damage. This is often written as 30/60/25. Many drivers carry higher limits.
Not always. Along the coast, many homeowners policies exclude wind and hail. Coastal owners often buy separate windstorm coverage, such as a policy through TWIA.
Most homeowners policies do not cover flood, so you would need a separate flood policy for your home. Flood damage to a car is usually handled under comprehensive coverage on your auto policy, if you carry it.
Yes, but the policy type depends on how the property is used. A Blue Peak advisor can help you review a second home or rental alongside your primary residence.
Texas households often have coverage needs that change from one property to the next. Reviewing your policies together helps you close gaps and avoid paying for overlap.
Start with our personal insurance overview, or talk with an advisor about your home, auto, flood, and umbrella coverage.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
