Brownsville has 189,177 residents in 59,839 households. We list 24 agencies for umbrella insurance in Brownsville. Here is what the local numbers say about the cover people here need.

Brownsville at a glance

24umbrella insurance agencies listed
38.3%of households rentRenters insurance
$139,900median home valueHome insurance
1995median year homes were builtRebuild cost calculator
7.4%of households have no carAuto insurance
4.8%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 Cameron County

FEMA rates the overall natural hazard risk in Cameron County, where most Brownsville agencies we list are located, as Relatively 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 Brownsville
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Brownsville
Ice stormRelatively High
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Brownsville
Winter weatherRelatively 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 Brownsville How much liability cover do you need?

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

Insurance companies Brownsville agencies work with

Of the 24 Brownsville agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GEICO21 agencies
Home State12 agencies
Incline12 agencies
Progressive12 agencies
Agricultural Workers Mutual Auto Insurance Company11 agencies
Old American11 agencies
Foremost10 agencies
Redpoint10 agencies
GAINSCO9 agencies
Infinity8 agencies

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

Where Brownsville agencies are

Brownsville agencies we list sit in 4 ZIP codes, mostly in Cameron County.

7852111 agencies
785207 agencies
785265 agencies
785221 agency

Questions

Umbrella insurance in Brownsville

All insurance agencies in Brownsville · Umbrella insurance across Texas

Where can I find umbrella insurance in Brownsville?

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 umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Brownsville agencies work with?

Among the 24 Brownsville agencies whose appointments we hold, the companies they are most often appointed with are GEICO (21), Home State (12), Incline (12), Progressive (12), Agricultural Workers Mutual Auto Insurance Company (11). An appointed agency can quote that company's policies.

Do I need flood insurance in Brownsville?

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