Houston has 2,328,253 residents in 930,404 households. We list 291 agencies for commercial property insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

291commercial property 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.

Insurance companies Houston agencies work with

Of the 291 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Progressive156 agencies
The Hartford131 agencies
GEICO126 agencies
Homeowners of America116 agencies
Infinity107 agencies
Porch103 agencies
Travelers103 agencies
Chubb (ACE)102 agencies
Foremost97 agencies
Home State95 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 85 ZIP codes, mostly in Harris County.

7702416 agencies
7703615 agencies
7707913 agencies
7705612 agencies
7704211 agencies
7705710 agencies
7708410 agencies
770078 agencies
770188 agencies
770637 agencies
770727 agencies
770556 agencies
770706 agencies
770746 agencies
770826 agencies
770926 agencies
770025 agencies
770405 agencies
770585 agencies
770775 agencies
770084 agencies
770154 agencies
770274 agencies
770604 agencies

Questions

Commercial Property insurance in Houston

All insurance agencies in Houston · Commercial Property insurance across Texas

Where can I find commercial property 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 commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Which insurance companies do Houston agencies work with?

Among the 291 Houston agencies whose appointments we hold, the companies they are most often appointed with are Progressive (156), The Hartford (131), GEICO (126), Homeowners of America (116), Infinity (107). 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.

Nearby

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