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Houston Insurance
Insurance in Houston, TX
Houston knows flooding, from Hurricane Harvey to everyday storms, and Texas lets most private employers choose whether to carry workers' comp. We compare insurers for families, businesses, contractors and truckers across Greater Houston.
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Coverage in Houston
What We Write in Houston
Personal
Home, auto, flood, renters and condo, and umbrella, including the personal injury protection Texas auto policies carry unless you turn it down in writing.
Learn More →Business & Commercial
Liability, property, workers' comp, commercial auto and umbrella for every kind of Texas business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help on Texas workers' comp choices and coastal windstorm options.
Learn More →Know Before You Buy
What Houston Clients Should Know
Flood, wind and Texas workers' comp rules are what most often change coverage in Houston.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- Flood is a separate policy. Hurricane Harvey flooded tens of thousands of Houston homes, many outside mapped flood zones. Standard home policies exclude flood, and NFIP coverage usually has a 30-day wait.
- Coastal windstorm coverage. In designated coastal areas, including parts of the Gulf Coast near Houston, windstorm coverage may come from the Texas Windstorm Insurance Association instead of your home insurer.
- Workers' comp is usually optional. Most private Texas employers can choose not to carry workers' comp, but nonsubscribers take on notice requirements and lawsuit exposure.
- Public jobs require coverage. If you build for the state, a county, a city or another political subdivision, the nonsubscriber option generally goes away.
- Texas auto minimums. Texas requires at least 30/60/25 liability. Many Houston drivers buy higher limits and uninsured motorist coverage.
Where We Work
Serving Greater Houston
We work with clients across Greater Houston by phone, text and email, including:
HoustonKatySugar LandThe WoodlandsPearlandPasadenaBaytownLeague CityConroeCypressSpringHumbleMissouri CityGalveston
State rules and coverage details: Texas insurance
Questions
Houston Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Do I need flood insurance if I am not in a flood zone?
Many Harvey claims came from homes outside high-risk zones. Coverage outside those zones is often affordable and worth comparing.
Should my business carry workers' comp in Texas?
It is a business decision with real tradeoffs. Nonsubscribers lose key lawsuit protections, and many contracts require comp. We help you weigh both sides.
Do you insure trucks based in Houston?
Yes. We write primary liability, physical damage and cargo for owner-operators and small fleets.
Licensing
Licensed Agents in Texas
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold Texas producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in Texas.