Homeowners Insurance
Protect the roof over your family.
- Dwelling & structure coverage
- Personal property protection
- Personal liability up to $1M+
- Windstorm & hail add-ons
- Loss-of-use / additional living expenses
- Replacement cost valuation
Products
Coverage as thoughtful as Texas hospitality.
Every policy is hand-shopped across trusted carriers to fit your home, your vehicles, and your budget.
Auto Insurance
Coverage for every mile of Texas road.
- Bodily injury & property damage liability
- Collision & comprehensive
- Uninsured/underinsured motorist
- Medical payments (MedPay) / PIP
- Roadside assistance & rental
- SR-22 filings available
Bundle & Save
Multi-policy discounts for Texas households.
- Home + Auto discount
- Multi-vehicle savings
- Loyalty & claims-free rewards
- One agent, one point of contact
Personal Umbrella
An extra layer for peace of mind.
- $1M – $5M excess liability
- Covers gaps above home & auto limits
- Affordable protection for growing families
More coverage we write
Beyond home and auto, we place these lines across our carriers for Texas clients.
Homeowners insuranceHomeowners Insurance in TexasAuto insuranceAuto Insurance in TexasFlood insuranceFlood Insurance in TexasLife insuranceLife Insurance in TexasMotorcycle insuranceMotorcycle Insurance in TexasATV & UTV insuranceATV and UTV Insurance in TexasBoat & Watercraft insuranceBoat and Watercraft Insurance in TexasRenters insuranceRenters Insurance in Texas
We're an independent agency — see the carriers we represent.
Product FAQ
Common questions about our coverage
- What types of insurance does Heritage Texas offer?
- Heritage Texas Insurance Group offers homeowners, auto, personal umbrella, and bundled home + auto policies for Texas families. As an independent agency, we shop multiple A-rated carriers to match coverage and price to your specific ZIP code and risk profile.
- What does a Texas homeowners insurance policy typically cover?
- A standard Texas HO-3 homeowners policy covers dwelling and structure, personal property, personal liability, loss-of-use / additional living expenses, and — in most of the state — wind and hail. Flood is never included and requires a separate NFIP or private flood policy. Coastal counties usually need a separate TWIA windstorm policy.
- What auto insurance coverages are available in Texas?
- Texas auto policies include bodily injury and property damage liability (state minimum 30/60/25), collision and comprehensive, uninsured/underinsured motorist, medical payments (MedPay) or PIP, roadside assistance, and rental reimbursement. SR-22 filings are available when required.
- How much can I save by bundling home and auto insurance?
- Bundling home and auto with the same carrier typically saves 10–25% on the combined premium and simplifies claims when a single event — like a hailstorm — damages both your roof and vehicles. We run bundled and unbundled quotes across multiple carriers to show you the true side-by-side numbers.
- Do I need a personal umbrella policy in Texas?
- A personal umbrella adds $1M–$5M of liability protection above your home and auto limits. It's worth considering if you have significant assets, teen drivers, a pool, rental property, or exposure to lawsuits that could exceed standard liability limits.