Richardson has 118,731 residents in 45,818 households. We list 26 agencies for business owners policy (bop) insurance in Richardson. Here is what the local numbers say about the cover people here need.

Richardson at a glance

26business owners policy (bop) insurance agencies listed
49.3%of households rentRenters insurance
$431,400median home valueHome insurance
1986median year homes were builtRebuild cost calculator
5.5%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 Dallas County

FEMA rates the overall natural hazard risk in Dallas County, where most Richardson agencies we list are located, as Very 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 Richardson
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Richardson
Ice stormVery High
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 Richardson
Winter weatherVery 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 Richardson How much liability cover do you need?

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

Insurance companies Richardson agencies work with

Of the 26 Richardson agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual20 agencies
Progressive20 agencies
Liberty Mutual (Safeco)19 agencies
Safeco19 agencies
Travelers17 agencies
The Hartford16 agencies
Travelers (Standard Fire)16 agencies
Foremost15 agencies
Home State14 agencies
Mercury14 agencies

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

Where Richardson agencies are

Richardson agencies we list sit in 5 ZIP codes, mostly in Dallas County.

7508013 agencies
7508110 agencies
750821 agency
750831 agency
750851 agency

Questions

Business Owners Policy (BOP) insurance in Richardson

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

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

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 Richardson agencies work with?

Among the 26 Richardson agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (20), Progressive (20), Liberty Mutual (Safeco) (19), Safeco (19), Travelers (17). An appointed agency can quote that company's policies.

Do I need flood insurance in Richardson?

FEMA's National Risk Index rates inland flooding risk in Dallas 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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