Houston has 2,328,253 residents in 930,404 households. We list 595 agencies for accident & health insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

595accident & health insurance agencies listed
57.9%of households rentRenters insurance
$277,800median home valueHome insurance
1982median year homes were builtRebuild cost calculator
10.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Harris County

FEMA rates the overall natural hazard risk in Harris County, where most Houston agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Houston
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Houston
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Houston
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Houston
Ice stormVery High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Houston How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Houston agencies work with

Of the 595 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna361 agencies
UnitedHealthcare328 agencies
Blue Cross Blue Shield302 agencies
Medicare Advantage220 agencies
Memorial Hermann Health Plan,194 agencies
Humana175 agencies
Ameritas Life Insurance170 agencies
Centene162 agencies
Corebridge (AIG Life)159 agencies
Mutual life carrier152 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Houston agencies are

Houston agencies we list sit in 97 ZIP codes, mostly in Harris County.

7703638 agencies
7704231 agencies
7708429 agencies
7705721 agencies
7702420 agencies
7707720 agencies
7705619 agencies
7707219 agencies
7707917 agencies
7704016 agencies
7706416 agencies
7707016 agencies
7708314 agencies
7707412 agencies
7709612 agencies
7706011 agencies
7709511 agencies
7700210 agencies
7702710 agencies
770079 agencies
770189 agencies
770559 agencies
770829 agencies
770949 agencies

Questions

Accident & Health insurance in Houston

All insurance agencies in Houston · Accident & Health insurance across Texas

Where can I find accident & health insurance in Houston?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Houston agencies work with?

Among the 595 Houston agencies whose appointments we hold, the companies they are most often appointed with are Aetna (361), UnitedHealthcare (328), Blue Cross Blue Shield (302), Medicare Advantage (220), Memorial Hermann Health Plan, (194). An appointed agency can quote that company's policies.

Do I need flood insurance in Houston?

FEMA's National Risk Index rates inland flooding risk in Harris County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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