Prosper has 37,869 residents in 11,239 households. We list 13 agencies for business owners policy (bop) insurance in Prosper. Here is what the local numbers say about the cover people here need.

Prosper at a glance

13business owners policy (bop) insurance agencies listed
12.1%of households rentRenters insurance
$823,700median home valueHome insurance
2014median year homes were builtRebuild cost calculator
1.9%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 Collin County

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

HailVery High
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 Prosper
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Prosper
Inland floodingRelatively 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 Texas
Ice stormRelatively High
Winter weatherRelatively 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 Prosper How much liability cover do you need?

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

Insurance companies Prosper agencies work with

Of the 13 Prosper agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers11 agencies
Liberty Mutual10 agencies
Liberty Mutual (Safeco)10 agencies
Safeco10 agencies
Travelers (Standard Fire)10 agencies
Mercury8 agencies
GEICO7 agencies
American Modern6 agencies
Foremost6 agencies
Progressive6 agencies

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

Questions

Business Owners Policy (BOP) insurance in Prosper

All insurance agencies in Prosper · Business Owners Policy (BOP) insurance across Texas

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

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 business owners policy (bop) insurance cover?

Bundles property, liability and business interruption for smaller firms.

Which insurance companies do Prosper agencies work with?

Among the 13 Prosper agencies whose appointments we hold, the companies they are most often appointed with are Travelers (11), Liberty Mutual (10), Liberty Mutual (Safeco) (10), Safeco (10), Travelers (Standard Fire) (10). An appointed agency can quote that company's policies.

Do I need flood insurance in Prosper?

FEMA's National Risk Index rates inland flooding risk in Collin County as Relatively 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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