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Texas Insurance
Your Partner in Protection Across Texas
Hail across the state, hurricanes on the coast and a workers comp system that lets most employers opt out make the right coverage matter here. We compare insurance companies for Texas families and businesses, from personal and life insurance to specialty coverage like trucking, contractors and builders risk.
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Coverage in Texas
What We Write in Texas
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 →Texas Notes
What's Different About Insuring in Texas
Each state page covers the rules and risks that matter there.
- Most private employers can choose not to carry workers comp, but employers who opt out give up important legal defenses and must file a notice with the state
- Coastal homes often need windstorm coverage through the Texas Windstorm Insurance Association when private companies won't write wind
- Hail is one of the most common causes of home and auto claims, so check how your policy pays on an older roof
- Auto policies include personal injury protection unless you reject it in writing
- Flood is a separate policy from homeowners, even far from the coast
Licensing
Licensed Agents in Texas
Verify any license with the Texas Department of Insurance.
- 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 shop it for you.