Insurance Pages for Texas Cities

Texas Coverage Requirements and Choices

Texas Minimum Auto Coverage: 30/60/25

Bodily injury per person

$30,000

Bodily injury per accident

$60,000

Property damage per accident

$25,000

Personal injury protection and uninsured/underinsured motorist coverage must be offered; written rejection is required to decline them. Compare these with liability and physical damage coverage.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Texas auto insurance requirements

Texas Coverage Requirements and Choices

Texas Property Coverage Questions

• Severe thunderstorms, hail, high winds, extreme heat, and occasional winter freezes can affect auto, home, and business claims.
• Coastal and Gulf-influenced areas may face tropical storm or hurricane-related losses.

Auto liability numbers do not apply to home coverage. Set dwelling and property limits from rebuilding cost, belongings, occupancy and lender or lease requirements. In Texas, review the exact address, roof, deductible, water exclusions and any separate wind or flood policy.

Standard homeowners, renters and business policies generally exclude flood. Check the address on FEMA’s map and discuss building and contents protection separately.

FEMA address-level flood maps · Federal flood insurance guidance

Texas Coverage Requirements and Choices

Workers Compensation in Texas

Most private employers can choose whether to carry workers compensation. Public-project and other exceptions, non-subscriber duties, and customer contracts need a separate review.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Texas employer coverage guidance

Texas Coverage Requirements and Choices

Choose a death benefit from income replacement, debts, childcare, education, final expenses and business obligations. A state auto minimum is not a life insurance coverage amount. Compare term length, permanent-policy guarantees, beneficiaries and affordability with your Texas application and insurer underwriting.

NAIC life insurance consumer guide