Waco has 143,570 residents in 53,906 households. We list 44 agencies for life insurance in Waco. Here is what the local numbers say about the cover people here need.

Waco at a glance

44life insurance agencies listed
50.6%of households rentRenters insurance
$221,700median home valueHome insurance
1979median year homes were builtRebuild cost calculator
6.8%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 McLennan County

FEMA rates the overall natural hazard risk in McLennan County, where most Waco 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 Waco
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Waco

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 Waco How much liability cover do you need?

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

Insurance companies Waco agencies work with

Of the 44 Waco agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Foremost16 agencies
Nationwide14 agencies
The Hartford11 agencies
Home State10 agencies
Progressive10 agencies
UnitedHealthcare10 agencies
American Modern9 agencies
Blue Cross Blue Shield9 agencies
WESTERN SURETY COMPANY9 agencies
CMFG Life Insurance Company8 agencies

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

Where Waco agencies are

Waco agencies we list sit in 10 ZIP codes, mostly in McLennan County.

7671012 agencies
7670210 agencies
767036 agencies
767015 agencies
767083 agencies
767143 agencies
767062 agencies
767051 agency
767111 agency
767151 agency

Questions

Life insurance in Waco

All insurance agencies in Waco · Life insurance across Texas

Where can I find life insurance in Waco?

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 Waco agencies work with?

Among the 44 Waco agencies whose appointments we hold, the companies they are most often appointed with are Foremost (16), Nationwide (14), The Hartford (11), Home State (10), Progressive (10). An appointed agency can quote that company's policies.

Do I need flood insurance in Waco?

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