Houston has 2,328,253 residents in 930,404 households. We list 128 agencies for disability income insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

128disability income 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 128 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna83 agencies
Principal82 agencies
Mutual life carrier80 agencies
UnitedHealthcare77 agencies
Blue Cross Blue Shield74 agencies
Nationwide71 agencies
Corebridge (AIG Life)70 agencies
Metropolitan Life Insurance Company70 agencies
The Lincoln National Life Insurance Company69 agencies
Dearborn Life Insurance Company66 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 52 ZIP codes, mostly in Harris County.

7702411 agencies
770569 agencies
770276 agencies
770426 agencies
770074 agencies
770364 agencies
770604 agencies
770664 agencies
770704 agencies
770774 agencies
772444 agencies
770403 agencies
770573 agencies
770643 agencies
770793 agencies
770943 agencies
770963 agencies
772423 agencies
770022 agencies
770142 agencies
770182 agencies
770412 agencies
770582 agencies
770672 agencies

Questions

Disability Income insurance in Houston

All insurance agencies in Houston · Disability Income insurance across Texas

Where can I find disability income 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 disability income insurance cover?

Replaces part of your income if illness or injury stops you working.

Which insurance companies do Houston agencies work with?

Among the 128 Houston agencies whose appointments we hold, the companies they are most often appointed with are Aetna (83), Principal (82), Mutual life carrier (80), UnitedHealthcare (77), Blue Cross Blue Shield (74). 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.

Nearby

Disability Income insurance near Houston

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