Independent Insurance Agency Serving Houston, TX

Texas is an at-fault state. The driver who causes a crash is responsible for the other party's damages through their liability coverage, and the injured party can sue for damages beyond those limits. The Insurance Research Council estimates roughly 14 percent of Texas drivers carry no insurance at all, which is why we price Uninsured and Underinsured Motorist coverage into every Houston auto quote rather than leaving it off to show a lower number.

No. Standard homeowners and renters policies exclude flood, and that gap is the single biggest coverage problem in Houston. A Houston Chronicle analysis of the more than 204,000 homes and apartment buildings damaged in Harris County by Hurricane Harvey found almost three quarters of them sat outside the federally regulated 100-year flood plain, so being off the flood map is not the same as being safe. We pull your flood zone designation and quote NFIP and private flood options alongside your home policy, so you see the real cost of covering the risk before hurricane season rather than after a loss.

They can. FEMA released new draft flood maps for Harris County and Houston in February 2026, built on Atlas 14 rainfall data collected after Hurricane Harvey and reflecting more than a 30 percent increase in rainfall rates compared with the 2007 maps they replace. The Harris County Flood Control District has said it will take another year or two to finalize them. If your address moves into a Special Flood Hazard Area, a federally backed mortgage will require flood insurance. We check your current designation, quote flood coverage while your rating still reflects the existing maps, and re-check the zone at every renewal.

Usually not. The Texas Windstorm Insurance Association writes wind and hail coverage in the 14 first-tier coastal counties plus the parts of Harris County east of Highway 146 that sit inside the city limits of La Porte, Morgan's Point, Pasadena, Seabrook, and Shore Acres, per TWIA. Most Houston addresses fall outside that catastrophe area, so wind and hail stay on the standard homeowners policy. We confirm which side of that line your address falls on before we quote, then place either a standard policy or the separate wind coverage the location actually requires.

Most Houston businesses start with General Liability, and many are better served by a Business Owner's Policy that bundles general liability with commercial property at a lower combined premium. Texas does not mandate workers compensation, but port terminals, refinery contracts, and general contractors routinely require it along with certificates naming them as additional insured. Service firms in engineering, consulting, real estate, and accounting should add Professional Liability. Tell us who is asking for the certificate and we place a policy that satisfies the contract instead of one you have to rewrite later.

Yes. Houston is a trucking city because of the port. Port Houston ranks first among US ports in foreign waterborne tonnage at 220.1 million short tons in 2024 and is the fifth ranked US container port by total TEUs, according to Port Houston, and that freight leaves on I-10, I-45, I-69, and Beltway 8. We quote primary liability, cargo, physical damage, and non-trucking liability for owner operators and fleets, then issue the certificates and endorsements your shippers require. See our Houston commercial trucking insurance page for the detail.

Yes. Dragon Insurance is licensed in Texas and serves Houston, Harris County, and the surrounding metro communities, including Pasadena, Katy, Sugar Land, Pearland, and The Woodlands. Every quote is handled by phone and online, so no office visit is required. We serve Dallas and the DFW metroplex from the same Texas license. Call 717-229-5115 or request a quote online and a licensed agent will compare carriers for your address.