Texas has 30,188,424 residents. We list 2,745 agencies for business owners policy (bop) insurance in Texas. Here is what the local numbers say about the cover people here need.

Texas at a glance

2,745business owners policy (bop) insurance agencies listed
37.4%of households rentRenters insurance
$283,800median home valueHome insurance
1992median year homes were builtRebuild cost calculator
5.4%of households have no carAuto insurance
6.4%of homes are mobile homesMobile home insurance

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

Natural hazard risk across Texas

How many of Texas’s 254 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Tornado47 of 254 counties
Very High in Harris County, Bexar County, Collin County and 6 more.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Texas
Lightning46 of 254 counties
Very High in El Paso County, Harris County, Jefferson County and 9 more.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Texas
Strong wind44 of 254 counties
Very High in Lubbock County, Harris County, Dallas County.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Texas
Ice storm43 of 254 counties
Very High in Red River County, Dallas County, Harris County and 10 more.
Hail39 of 254 counties
Very High in Dallas County, Tarrant County, Bexar County and 9 more.
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Texas
Winter weather29 of 254 counties
Very High in El Paso County, Potter County, Randall County and 5 more.

Source: FEMA National Risk Index, December 2025 release.

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 Texas How much liability cover do you need?

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

Insurance companies Texas agencies work with

Of the 2,745 Texas agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual1,771 agencies
Liberty Mutual (Safeco)1,738 agencies
Progressive1,700 agencies
Safeco1,619 agencies
GEICO1,491 agencies
Travelers1,473 agencies
Foremost1,410 agencies
Travelers (Standard Fire)1,384 agencies
The Hartford1,292 agencies
Home State1,147 agencies

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

Questions

Business Owners Policy (BOP) insurance in Texas

All insurance agencies in Texas · Business Owners Policy (BOP) insurance in every state

Where can I find business owners policy (bop) insurance in Texas?

Pick your city in the list on this page to see every agency there that offers business owners policy (bop) insurance, or search by name or ZIP code.

What does business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Which insurance companies do Texas agencies work with?

Among the 2745 Texas agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (1771), Liberty Mutual (Safeco) (1738), Progressive (1700), Safeco (1619), GEICO (1491). An appointed agency can quote that company's policies.

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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