Houston has 2,328,253 residents in 930,404 households. We list 915 agencies for life insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

915life 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 915 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna346 agencies
UnitedHealthcare305 agencies
Blue Cross Blue Shield282 agencies
Corebridge (AIG Life)236 agencies
Nationwide227 agencies
Medicare Advantage197 agencies
Ameritas Life Insurance193 agencies
Memorial Hermann Health Plan,181 agencies
Transamerica178 agencies
Mutual life carrier177 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 118 ZIP codes, mostly in Harris County.

7704245 agencies
7705644 agencies
7703642 agencies
7707937 agencies
7708435 agencies
7702429 agencies
7705729 agencies
7707728 agencies
7704025 agencies
7707224 agencies
7702721 agencies
7708320 agencies
7707019 agencies
7707418 agencies
7700216 agencies
7706416 agencies
7700715 agencies
7700815 agencies
7709515 agencies
7709615 agencies
7701814 agencies
7706014 agencies
7706513 agencies
7709913 agencies

Questions

Life insurance in Houston

All insurance agencies in Houston · Life insurance across Texas

Where can I find life 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 life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Houston agencies work with?

Among the 915 Houston agencies whose appointments we hold, the companies they are most often appointed with are Aetna (346), UnitedHealthcare (305), Blue Cross Blue Shield (282), Corebridge (AIG Life) (236), Nationwide (227). 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.

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