Temple has 89,602 residents in 34,514 households. We list 13 agencies for health insurance in Temple. Here is what the local numbers say about the cover people here need.

Temple at a glance

13health insurance agencies listed
47.7%of households rentRenters insurance
$239,000median home valueHome insurance
1991median year homes were builtRebuild cost calculator
6.7%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 Bell County

FEMA rates the overall natural hazard risk in Bell County, where most Temple agencies we list are located, as Relatively Moderate 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 Temple
HailRelatively 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 Temple
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Temple
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 Temple How much liability cover do you need?

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

Insurance companies Temple agencies work with

Of the 13 Temple agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna7 agencies
UnitedHealthcare7 agencies
BANNER LIFE INSURANCE COMPANY5 agencies
Blue Cross Blue Shield5 agencies
Dearborn Life Insurance Company5 agencies
Liberty Mutual5 agencies
Liberty Mutual (Safeco)5 agencies
Medicare Advantage5 agencies
Safeco5 agencies
Humana4 agencies

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

Where Temple agencies are

Temple agencies we list sit in 4 ZIP codes, mostly in Bell County.

765025 agencies
765045 agencies
765032 agencies
765011 agency

Questions

Health insurance in Temple

All insurance agencies in Temple · Health insurance across Texas

Where can I find health insurance in Temple?

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 health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Temple agencies work with?

Among the 13 Temple agencies whose appointments we hold, the companies they are most often appointed with are Aetna (7), UnitedHealthcare (7), BANNER LIFE INSURANCE COMPANY (5), Blue Cross Blue Shield (5), Dearborn Life Insurance Company (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Temple?

FEMA's National Risk Index rates inland flooding risk in Bell County as Relatively Moderate 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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