San Marcos has 70,897 residents in 28,013 households. We list 12 agencies for umbrella insurance in San Marcos. Here is what the local numbers say about the cover people here need.

San Marcos at a glance

12umbrella insurance agencies listed
69.2%of households rentRenters insurance
$310,400median home valueHome insurance
2001median year homes were builtRebuild cost calculator
8.1%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 Hays County

FEMA rates the overall natural hazard risk in Hays County, where most San Marcos agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

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 San Marcos
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in San Marcos
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in San Marcos
Winter weatherRelatively 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 San Marcos

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

Insurance companies San Marcos agencies work with

Of the 12 San Marcos agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

American Modern7 agencies
Foremost6 agencies
Liberty Mutual6 agencies
Liberty Mutual (Safeco)6 agencies
Progressive6 agencies
Safeco6 agencies
Home State5 agencies
Infinity5 agencies
WESTERN SURETY COMPANY4 agencies
Allstate3 agencies

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

Where San Marcos agencies are

San Marcos agencies we list sit in 2 ZIP codes, mostly in Hays County.

786667 agencies
786675 agencies

Questions

Umbrella insurance in San Marcos

All insurance agencies in San Marcos · Umbrella insurance across Texas

Where can I find umbrella insurance in San Marcos?

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 San Marcos agencies work with?

Among the 12 San Marcos agencies whose appointments we hold, the companies they are most often appointed with are American Modern (7), Foremost (6), Liberty Mutual (6), Liberty Mutual (Safeco) (6), Progressive (6). An appointed agency can quote that company's policies.

Do I need flood insurance in San Marcos?

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