San Antonio has 1,479,835 residents in 554,581 households. We list 12 agencies for commercial umbrella insurance in San Antonio. Here is what the local numbers say about the cover people here need.

San Antonio at a glance

12commercial umbrella insurance agencies listed
47.8%of households rentRenters insurance
$235,700median home valueHome insurance
1985median year homes were builtRebuild cost calculator
7.7%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 Bexar County

FEMA rates the overall natural hazard risk in Bexar County, where most San Antonio 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 San Antonio
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in San Antonio
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 San Antonio
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in San Antonio
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 San Antonio How much liability cover do you need?

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

Insurance companies San Antonio agencies work with

Of the 12 San Antonio agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

RLI12 agencies
Travelers11 agencies
Travelers (Standard Fire)10 agencies
Liberty Mutual9 agencies
Mercury9 agencies
GEICO8 agencies
Liberty Mutual (Safeco)8 agencies
Safeco8 agencies
American Modern7 agencies
Markel7 agencies

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

Where San Antonio agencies are

San Antonio agencies we list sit in 11 ZIP codes, mostly in Bexar County.

782092 agencies
782051 agency
782151 agency
782171 agency
782181 agency
782211 agency
782391 agency
782501 agency
782571 agency
782791 agency
782881 agency

Questions

Commercial Umbrella insurance in San Antonio

All insurance agencies in San Antonio · Commercial Umbrella insurance across Texas

Where can I find commercial umbrella insurance in San Antonio?

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 commercial umbrella insurance cover?

Extra liability limits above your general liability and commercial auto policies.

Which insurance companies do San Antonio agencies work with?

Among the 12 San Antonio agencies whose appointments we hold, the companies they are most often appointed with are RLI (12), Travelers (11), Travelers (Standard Fire) (10), Liberty Mutual (9), Mercury (9). An appointed agency can quote that company's policies.

Do I need flood insurance in San Antonio?

FEMA's National Risk Index rates inland flooding risk in Bexar 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.

Nearby

Commercial Umbrella insurance near San Antonio

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