Geneva Insurance Group is licensed by the Texas Department of Insurance (TDI) to write business across all 254 Texas counties. We compare A-rated carriers for Texas drivers, homeowners, and businesses — from Houston, DFW, Austin, and San Antonio through the Rio Grande Valley, the Hill Country, and West Texas — tuned to the hurricane, hail, freeze, and rapidly-rising-rebuild-cost realities Texas risk profiles demand.
Texas requires 30/60/25 liability and 30/60/25 uninsured motorist (which can be waived in writing). Texas auto rates have risen 35-50% since 2022 due to claim severity, particularly in DFW and Houston. We compare carrier appetite by metro and almost always recommend 100/300/100 minimum.
Texas homes face hurricanes along the coast (Harris, Galveston, Brazoria, Cameron), historic-level hail in DFW and central TX, tornadoes statewide, and freeze events (post-Uri). The Texas market has tightened since 2022; we work with admitted carriers, the TWIA windstorm pool for coastal properties, and surplus lines for higher-value or harder-to-place risks.
Renters and condo policies in Texas typically run $12-$26/month. Required by most landlords in Houston, Dallas, Austin, San Antonio, and Fort Worth.
Texas is the only U.S. state where workers comp is technically optional — employers can opt out (becoming "non-subscribers") but lose key tort defenses. We help you decide whether subscribing makes sense for your specific business and write GL, commercial property, professional liability, commercial auto, and BOPs across the Texas standard and surplus lines markets.
Term life, whole life, and individual health insurance for Texas residents through TDI-licensed carriers. Marketplace and off-exchange plans both available.
Personal umbrella for Texas households — typically $200-$550/year for $1M of coverage. Especially valuable for high-asset households in DFW, Houston, Austin, and San Antonio metros given local equity profiles.
Geneva is licensed by the Texas Department of Insurance (TDI) for personal and commercial lines statewide. We follow Texas-specific rules including the Insurance Code and TDI regulations.
Coastal Texas (TWIA windstorm pool, named-storm deductibles, tier-1 county wind coverage) is a different insurance market from inland Texas (where hail is the dominant property-loss driver). We match carriers to your specific Texas geography and risk profile.
Harris, Dallas, Tarrant, Bexar, Travis, Collin, Denton, Hidalgo, El Paso, Williamson, and the rest — we write business in every Texas county. Fully-remote model means no office overhead in your premium.
Texas requires 30/60/25 in liability coverage — $30,000 per person bodily injury, $60,000 per accident bodily injury, and $25,000 property damage. Texas also requires 30/60/25 uninsured motorist coverage by default, though it can be waived in writing. Most independent agents recommend at least 100/300/100, particularly in DFW and Houston where claim severity is high.
No — Texas is the only U.S. state where private-sector workers compensation is optional. Employers can choose to "subscribe" to the workers comp system or "non-subscribe" (opt out). Non-subscribers lose key tort defenses and can be sued directly by injured employees, often without the protective cap workers comp provides. We help you analyze whether subscribing makes sense for your specific industry, employee count, and risk tolerance.
The Texas Windstorm Insurance Association (TWIA) is the insurer of last resort for windstorm and hail coverage in 14 first-tier coastal counties (plus parts of Harris). If you cannot obtain wind coverage in the standard market, TWIA provides it. Most coastal Texas properties end up with a "wraparound" structure: TWIA for wind/hail and a private carrier for everything else (fire, theft, liability). We help you understand the structure and find the best wraparound carrier.
Yes, sharply. Texas auto rates rose 35-50% from 2022 to 2025 due to claim severity, vehicle and medical inflation, and litigation environment. Home rates are up due to hail, hurricane reinsurance costs, and the 2021 freeze event. The most effective protection is working with an independent agent who re-shops at every renewal across the standard and surplus lines markets.
Texas auto insurance compared across A-rated carriers.
Texas homeowners coverage with hurricane, hail, freeze, and rebuild-cost structuring.
Workers comp (subscriber vs non-subscriber) + GL + professional liability for Texas businesses.
Personal umbrella for Texas households.