Horseshoe Bay has 4,854 residents in 2,525 households. We list 3 agencies for home insurance in Horseshoe Bay. Here is what the local numbers say about the cover people here need.

Horseshoe Bay at a glance

3home insurance agencies listed
19.4%of households rentRenters insurance
1995median year homes were builtRebuild cost calculator
1.8%of households have no carAuto insurance
5.3%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.

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 Horseshoe Bay How much liability cover do you need?

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

Questions

Home insurance in Horseshoe Bay

All insurance agencies in Horseshoe Bay · Home insurance across Texas

Where can I find home insurance in Horseshoe Bay?

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 home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Horseshoe Bay?

FEMA's National Risk Index rates inland flooding risk in Llano 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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