Texas Personal Insurance: Home, Auto & Life Coverage

Texas personal insurance provides essential protection across the Lone Star State. From the Dallas-Fort Worth metroplex to the Gulf Coast, Dream Assurance Group helps Texas residents find comprehensive coverage tailored to your needs.

Personal Insurance Options in Texas

Auto Insurance

Comply with Texas liability laws (30/60/25) with competitive rates.

View Auto Coverage

Homeowners Insurance

Replacement Cost coverage with windstorm protection for Texas homes.

View Home Coverage

Condo Insurance

HO-6 coverage for unit owners. Protects interior and personal property.

View Condo Coverage

Renters Insurance

Protect your belongings from theft or damage in your rented apartment or home.

View Renters Coverage

Life & Annuities

Term or Permanent Life insurance options to protect your family's future.

View Life Coverage

Umbrella Liability

Additional liability protection of $1M+ to safeguard your assets.

View Umbrella Coverage

Bundled Home & Auto

Save up to 25% when you bundle your home and auto policies together.

View Bundle Savings

Pet Insurance

Coverage for veterinary bills to keep your furry family members healthy.

View Pet Coverage

Texas Insurance Requirements & Laws

Mandatory Auto Insurance Limits

Texas is a "fault" state. Drivers must maintain the following liability coverage, known as "30/60/25":

  • $30,000 Bodily Injury
    Per person injured in an accident you cause.
  • $60,000 Total Bodily Injury
    Per accident total, regardless of the number of people injured.
  • $25,000 Property Damage
    For damage to another person's car or property.
Additional Info:

Fault State: At-fault drivers pay damages.
Uninsured Motorist: Optional but recommended.

30/60/25
Texas State Minimums

Homeowners Insurance: Legal vs. Lender Requirements

Unlike auto insurance, the State of Texas does not legally mandate homeowners insurance. However, if you have a mortgage, your lender will require proof of insurance.

Common Texas Risks to Consider:

HurricanesCoastal coverage is critical. Windstorm often separate.
HailSevere hail damage common in Dallas/Fort Worth.
FloodingFlash floods common. Separate flood policy required.

How to Get Personal Insurance in Texas

  1. 1. Assess Needs

    Review your home value, vehicles, and assets.

  2. 2. Get Quotes

    We compare rates from top Texas carriers to find the best rate.

  3. 3. Review

    Compare coverage options, deductibles, and price.

  4. 4. Bind Coverage

    Get your policy issued, often the same day.

Protect Your Texas Family

Get Lone Star State coverage from a local agent.

Frequently Asked Questions

What insurance do I need in Texas?

Texas requires 30/60/25 liability. Homeowners required by lenders. Wind/Flood often separate.

Is Texas a no-fault state?

No, Texas is a "fault" state.

Do I need windstorm insurance?

In coastal counties, standard policies exclude wind. TWIA or separate policy needed.

How much can I save bundling?

10-25% discounts typical.

Is flood insurance included?

No, separate flood insurance is required for flood coverage.