Texas Service Hub
Find Freedom Insurance Group’s Texas insurance guides in one place: Texas homeowners insurance, Texas car insurance, and all our insurance products. We’re headquartered in Flower Mound and licensed in Texas, Tennessee, Colorado, and Missouri.
What affects your price: Many of our customers save significantly when we shop their policy across multiple companies, and your actual savings depend on your details. Texas premiums are based on your postal code, rebuild cost or vehicle, claims history, deductibles, credit-based insurance scores where permitted, roof age, and which insurance companies are writing policies in your area. When you compare quotes, make sure they include the same coverage, not a liability-only quote against a full package.
Browse every state in our Insurance Service Center, or see our other state guides: Tennessee · Colorado · Missouri.
Texas insurance products
Commercial auto & truck
Coverage for work vehicles and commercial trucks.
Get a Texas auto insurance quote
A licensed Freedom Insurance Group agent compares several insurance companies for you.
Texas homeowners coverage guides
- Dwelling coverage
- Other structures
- Personal property
- Loss of use
- Personal liability
- Coverage F / medical payments
- Riders / endorsements
- Wildfire coverage
- Common coverage gaps
Landlord policy types
Texas auto coverage guides
- Liability coverage
- Uninsured motorist
- Comprehensive
- Collision
- Full coverage
- Medical payments
- personal injury protection coverage
- GAP insurance
- Rental reimbursement
Motorcycle, RV, boat, and personal watercraft
Areas we serve
Policy help
What to check when you shop in Texas
- Confirm rebuild cost for the dwelling—not purchase price alone.
- Read hail, wind, roof, and water rules carefully; North Texas hail and Gulf Coast wind are priced and covered differently.
- Separate flood when your location has flood risk, even if your lender does not require it.
- Use a landlord policy for homes you rent to tenants.
- On auto, match liability, uninsured and underinsured motorist coverage, personal injury protection, and deductibles across quotes. Texas checks proof of insurance through its TexasSure system, so keep your policy active.
- Do not rely on a personal auto policy for business driving; see our commercial auto and truck guides instead.
FAQs
What will I find on this page?
Links to all of our Texas insurance guides, from homeowners and auto to landlord, flood, and business coverage.
Is landlord insurance the same as homeowners?
No. Once the property is rented and you do not live there as your primary residence, carriers generally want a landlord or dwelling-fire form. See the landlord and DP-1/2/3 links above.
Does homeowners include flood?
Usually not. Use the Texas flood guide when needed.
Where do I find Tennessee, Colorado, or Missouri guides?
Return to the main service center and open the matching state hub.
Sources and further reading
- Texas Department of Insurance — consumer resources and TexasSure information.
- Insurance Information Institute — homeowners and auto basics.
- National Flood Insurance Program — flood vs. homeowners distinctions.
- Freedom Insurance Group — service center and ask an agent.
- Texas Department of Insurance: Auto insurance guide. Accessed October 2026.
- Texas Department of Insurance: Home insurance guide. Accessed October 2026.
- National Flood Insurance Program: Buy a flood insurance policy. Accessed October 2026.
