Schertz has 44,050 residents in 15,903 households. We list 15 insurance agencies in Schertz. Here is what the local numbers say about the cover people here need.

Schertz at a glance

15insurance agencies listed
21.6%of households rentRenters insurance
$317,100median home valueHome insurance
2002median year homes were builtRebuild cost calculator
2.1%of households have no carAuto insurance
3.5%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 Guadalupe County

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

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
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Schertz
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Schertz

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 Schertz How much liability cover do you need?

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

Insurance companies Schertz agencies work with

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

Foremost5 agencies
Allstate3 agencies
American Modern3 agencies
National General3 agencies
Nationwide3 agencies
Progressive3 agencies
Central States Health & Life Co. of Omaha2 agencies
Dairyland2 agencies
Everlake Life Insurance Company2 agencies
GAINSCO2 agencies

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

What Schertz agencies can write

Share of the 15 agencies listed in Schertz that are appointed with at least one insurance company writing each type, or that name it on their own website.

Life67%
Home53%
Auto53%
Landlord53%
Boat53%
Renters40%
Condo40%
Umbrella40%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Schertz

How do I find an insurance agency in Schertz?

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 insurance can I get from agencies in Schertz?

Most often life, home, auto, landlord, boat. Pick a type in the filters to narrow the list.

Which insurance companies do Schertz agencies work with?

Among the 13 Schertz agencies whose appointments we hold, the companies they are most often appointed with are Foremost (5), Allstate (3), American Modern (3), National General (3), Nationwide (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Schertz?

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

Do I need renters insurance in Schertz?

21.6% of households in Schertz rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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