Houston has 2,328,253 residents in 930,404 households. We list 40 agencies for errors & omissions insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

40errors & omissions 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 40 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

CNA40 agencies
Progressive27 agencies
Homeowners of America26 agencies
GEICO25 agencies
The Hartford25 agencies
Liberty Mutual24 agencies
Travelers24 agencies
Travelers (Standard Fire)24 agencies
Employers23 agencies
Mercury23 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 30 ZIP codes, mostly in Harris County.

770073 agencies
770403 agencies
770423 agencies
770242 agencies
770362 agencies
770562 agencies
770722 agencies
770061 agency
770081 agency
770171 agency
770181 agency
770201 agency
770271 agency
770341 agency
770431 agency
770571 agency
770581 agency
770621 agency
770641 agency
770691 agency
770841 agency
770861 agency
770921 agency
772411 agency

Questions

Errors & Omissions insurance in Houston

All insurance agencies in Houston · Errors & Omissions insurance across Texas

Where can I find errors & omissions 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 errors & omissions insurance cover?

Covers financial loss a client suffers through a mistake in your work.

Which insurance companies do Houston agencies work with?

Among the 40 Houston agencies whose appointments we hold, the companies they are most often appointed with are CNA (40), Progressive (27), Homeowners of America (26), GEICO (25), The Hartford (25). 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

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