Richmond has 12,582 residents in 4,756 households. We list 27 agencies for general liability insurance in Richmond. Here is what the local numbers say about the cover people here need.

Richmond at a glance

27general liability insurance agencies listed
46.5%of households rentRenters insurance
1984median year homes were builtRebuild cost calculator
5%of households have no carAuto insurance
13.9%of homes are mobile homesMobile home 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 Fort Bend County

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

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Richmond
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Richmond
HurricaneRelatively 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 Richmond
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
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Richmond

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 Richmond How much liability cover do you need?

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

Insurance companies Richmond agencies work with

Of the 27 Richmond agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Homeowners of America10 agencies
Home State9 agencies
Incline9 agencies
Markel9 agencies
GEICO8 agencies
Liberty Mutual8 agencies
Porch8 agencies
Progressive8 agencies
Travelers8 agencies
Liberty Mutual (Safeco)7 agencies

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

Where Richmond agencies are

Richmond agencies we list sit in 3 ZIP codes, mostly in Fort Bend County.

7746911 agencies
774069 agencies
774077 agencies

Questions

General Liability insurance in Richmond

All insurance agencies in Richmond · General Liability insurance across Texas

Where can I find general liability insurance in Richmond?

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 general liability insurance cover?

Covers third-party injury and property damage arising from your operations.

Which insurance companies do Richmond agencies work with?

Among the 27 Richmond agencies whose appointments we hold, the companies they are most often appointed with are Homeowners of America (10), Home State (9), Incline (9), Markel (9), GEICO (8). An appointed agency can quote that company's policies.

Do I need flood insurance in Richmond?

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

Nearby

General Liability insurance near Richmond

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