Property insurance in Texas is a business necessity and offers loss protection and peace of mind. When you own an actual business, you’ll need Texas property insurance, whereas if you own commercial property, you may only need real estate insurance.

You may need several different types of insurance to fully protect yourself and your business. Weigh the cost of any policy additions against the actual risk involved. Consider the following types of coverage as TX property insurance riders, and ask the agent you choose which would be best for your situation:

1. General liability insurance protects you against claims of negligence, and any resulting judgments against your company.

2. Home-based business insurance is what you'll need in addition to your TX home insurance if you work from home. Your home policy won't protect you against business-related claims when you're running a business out of your home.

3. Internet business insurance may serve you best if you work online from a home office. It's necessary to protect your computer and business interests against malicious online attacks and computer viruses.

Action Steps
The best contacts and resources to help you get it done

Search locally for home insurance, Texas property insurance

Providers of Texas homeowners' insurance and Texas property insurance are more than willing to work around your schedule when it comes to providing coverage quotes. Ask a local agent to visit your business at your convenience, and discuss property insurance at several coverage levels.

I recommend: Utilize the Texas online website to search for local agents or companies using the official Texas Department of Insurance search feature.

Include national companies when comparing a Texas property insurance rate

Most property insurance providers in Texas are nationally-based and offer online quotes. Use these services to get a general idea of the rate you'll pay, and then ask your agent for an actual estimate based on your specific needs.

I recommend: NetQuote and Local Insurance offer online quote searches for Texas homeowners' insurance, Texas property insurance and fleet auto insurance.

Select a provider that bundles property insurance in TX

Homeowner's insurance in Texas often comes with a liability rider to cover visitors who are injured on your property. Have your agent combine property insurance, Texas auto insurance and other liability coverage into one policy for the small business owner. Ask each agent to calculate the savings, should you choose their company for all of your insurance needs. All TX property insurance companies should offer multi-policy discounts.

I recommend: Piece together the policy you’d like at 4allinsurancequotes.com, then ask the bidding agencies for package discounts and see who comes back with the best offer. Insurance Match also pairs you with agents who offer discounted property insurance, Texas business liability and auto liability coverage packages.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  If you're near the Texas coast, make sure the Texas Windstorm Insurance Association underwrites your policy in the event of wind or hail damage to your business. Property insurance providers in Texas must hold a local recording agent license for TWIA underwriting; out-of-state providers of TX property insurance need a Non-Resident Property & Casualty license. Buy your coverage well before a hurricane forms in the Gulf of Mexico, since the TWIA won't underwrite policies when a hurricane is directly threatening the group's coverage area
• •  Ask your current home insurance, Texas auto insurance or business liability insurance agent if their company's Texas property insurance rate would be lower for you with a customer loyalty discount. Add that to your insurance bundle, and you could be saving significantly on all your insurance needs.
• •  You won't be required to carry private workers' compensation insurance in Texas. Check with the Texas Department of Insurance to determine your specific responsibilities as an employer.