Fort Worth has 963,194 residents in 342,126 households. We list 106 agencies for umbrella insurance in Fort Worth. Here is what the local numbers say about the cover people here need.

Fort Worth at a glance

106umbrella insurance agencies listed
43%of households rentRenters insurance
$303,000median home valueHome insurance
1994median year homes were builtRebuild cost calculator
5.5%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 Tarrant County

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

HailVery 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 Fort Worth
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Fort Worth
Ice stormVery High
Winter weatherVery High
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 Fort Worth

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 Fort Worth How much liability cover do you need?

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

Insurance companies Fort Worth agencies work with

Of the 106 Fort Worth agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

GEICO57 agencies
Foremost52 agencies
Liberty Mutual51 agencies
Progressive50 agencies
Liberty Mutual (Safeco)47 agencies
Safeco45 agencies
Travelers40 agencies
Home State37 agencies
Travelers (Standard Fire)36 agencies
American Modern35 agencies

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

Where Fort Worth agencies are

Fort Worth agencies we list sit in 28 ZIP codes, mostly in Tarrant County.

7611613 agencies
7610210 agencies
761099 agencies
761107 agencies
761076 agencies
761776 agencies
761145 agencies
761375 agencies
761795 agencies
761044 agencies
761264 agencies
761324 agencies
761334 agencies
761113 agencies
761313 agencies
761353 agencies
761403 agencies
761232 agencies
761011 agency
761081 agency
761121 agency
761131 agency
761151 agency
761181 agency

Questions

Umbrella insurance in Fort Worth

All insurance agencies in Fort Worth · Umbrella insurance across Texas

Where can I find umbrella insurance in Fort Worth?

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 Fort Worth agencies work with?

Among the 106 Fort Worth agencies whose appointments we hold, the companies they are most often appointed with are GEICO (57), Foremost (52), Liberty Mutual (51), Progressive (50), Liberty Mutual (Safeco) (47). An appointed agency can quote that company's policies.

Do I need flood insurance in Fort Worth?

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

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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