Personal lines insurance
Coverage Built for Texas Families
Whether you own a home, drive a car, or both — we'll find the right protection at the right price. Here's what we cover.
Protect What You've Built
Your home is likely your biggest investment. Texas weather — hail, wind, flooding, and extreme heat — can do real damage. A solid homeowners policy covers your dwelling, personal belongings, and liability so you're not left holding the bill when something goes wrong.
- Dwelling coverage — Repairs or rebuilds your home's structure after a covered loss.
- Personal property — Replaces furniture, electronics, clothing, and other belongings.
- Liability protection — Covers legal costs if someone is injured on your property.
- Loss of use — Pays for temporary housing while your home is being repaired.
- Additional structures — Covers fences, detached garages, and other structures on your property.
Drive With Confidence
Texas requires minimum liability coverage — but minimum isn't always enough. We'll walk you through your options and make sure you're covered for the unexpected, whether that's a fender bender on I-35 or a hailstorm in the parking lot.
- Liability coverage — Pays for damage or injuries you cause to others in an accident.
- Collision coverage — Covers repairs to your vehicle after a collision, regardless of fault.
- Comprehensive coverage — Protects against theft, hail, weather, and non-collision damage.
- Uninsured motorist — Covers you if you're hit by a driver with no or insufficient insurance.
- Medical payments — Helps pay medical bills for you and your passengers after an accident.
Why an Independent Agent?
Captive agents can only offer you one company's products. As an independent agency, we're free to shop multiple carriers and find the combination of coverage and price that actually fits your situation — not just what's easiest to sell.
- We compare rates across multiple carriers
- No pressure to buy a specific product
- We advocate for you at claim time
- One agent for all your personal lines needs
Not sure what you need?
That's what we're here for. Tell us about your situation and we'll help you figure out the right coverage — no jargon, no pressure.
Disclaimers
- All quotes are subject to underwriting review and carrier approval. Final rates and coverage options may vary based on individual risk factors and carrier guidelines.
- Information submitted through this website is used solely to provide insurance quotes, policy guidance, and customer support. We do not sell, trade, or share your personal information with third parties.
- Coverage availability, pricing, and policy features vary by carrier. WD Insurance Agency LLC provides options from multiple insurers, and all final terms are determined by the issuing carrier.