Galveston has 53,424 residents in 25,198 households. We list 14 agencies for umbrella insurance in Galveston. Here is what the local numbers say about the cover people here need.

Galveston at a glance

14umbrella insurance agencies listed
53.8%of households rentRenters insurance
$326,000median home valueHome insurance
1973median year homes were builtRebuild cost calculator
10.7%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 Galveston County

FEMA rates the overall natural hazard risk in Galveston County, where most Galveston agencies we list are located, as Relatively High 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 Galveston
HurricaneRelatively 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 Galveston
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Galveston
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 Galveston
Ice stormRelatively 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 Galveston How much liability cover do you need?

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

Insurance companies Galveston agencies work with

Of the 14 Galveston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Foremost8 agencies
American Modern7 agencies
GEICO6 agencies
Progressive6 agencies
WESTERN SURETY COMPANY6 agencies
Liberty Mutual (Safeco)5 agencies
Safeco5 agencies
Incline4 agencies
Liberty Mutual4 agencies
Service Lloyds4 agencies

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

Where Galveston agencies are

Galveston agencies we list sit in 5 ZIP codes, mostly in Galveston County.

775504 agencies
775513 agencies
775523 agencies
775543 agencies
775531 agency

Questions

Umbrella insurance in Galveston

All insurance agencies in Galveston · Umbrella insurance across Texas

Where can I find umbrella insurance in Galveston?

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 Galveston agencies work with?

Among the 14 Galveston agencies whose appointments we hold, the companies they are most often appointed with are Foremost (8), American Modern (7), GEICO (6), Progressive (6), WESTERN SURETY COMPANY (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Galveston?

FEMA's National Risk Index rates inland flooding risk in Galveston 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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Umbrella insurance near Galveston

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