Published May 31, 2026 · 40 years in trucking & the trades
What we cover in Houston
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Houston choose a local agent
When you're in Houston, Harris County, you get a real person who knows TX — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance requirements in Texas
Texas is an at-fault (tort) state — drivers must carry liability coverage, and because a meaningful share of Texas motorists drive uninsured, uninsured/underinsured motorist coverage is worth asking about even though you can decline it. Texas leads the country in hail losses, so your roof's age and whether it settles at replacement cost or actual cash value often matters more than the premium difference between carriers. On the coast it works differently again: standard homeowners policies commonly exclude windstorm and hail in the seaward counties, and that coverage is bought separately — frequently through the Texas Windstorm Insurance Association (TWIA). Texas also moves more freight than any other state, so commercial auto, motor truck cargo and physical damage are everyday business here rather than a specialty line. As an independent agency we shop multiple carriers against Texas rules and Texas weather. Verify current state minimums with the Texas Department of Insurance.
Houston, TX insurance — common questions
How much does insurance cost in Houston, TX?
Rates in Houston and Harris County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Houston?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Houston and all of TX — home, auto, farm, business, life, and more.
Can I get a quote in Houston today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.