Killeen has 158,159 residents in 59,769 households. We list 8 agencies for umbrella insurance in Killeen. Here is what the local numbers say about the cover people here need.

Killeen at a glance

8umbrella insurance agencies listed
50.5%of households rentRenters insurance
$215,400median home valueHome insurance
1996median year homes were builtRebuild cost calculator
5%of households have no carAuto insurance
3.7%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 Bell County

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

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Killeen agencies are

Killeen agencies we list sit in 4 ZIP codes, mostly in Bell County.

765413 agencies
765422 agencies
765432 agencies
765401 agency

Questions

Umbrella insurance in Killeen

All insurance agencies in Killeen · Umbrella insurance across Texas

Where can I find umbrella insurance in Killeen?

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.

Do I need flood insurance in Killeen?

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