Houston Insurance Quotes

If you live in Houston, you already know insurance needs here are different. Between Gulf Coast storm seasons,
heavy rain and bayou flooding concerns, and daily driving on I-10, I-45, US-59, the 610 Loop, Beltway 8,
and the Grand Parkway, having the right policy is about more than “checking a box.” It’s about making sure
your coverage actually matches how you live in Greater Houston.

NDI Agency helps Houston-area homeowners, renters, and drivers compare coverage across multiple carriers—so you
can choose the best fit for your budget and the risks that matter most in your ZIP code.

Call (214) 349-8300 to start a quote.

Major Metro Areas We Commonly Work With

• Houston–The Woodlands–Sugar Land Metro (Greater Houston)


• Dallas–Fort Worth–Arlington Metroplex


• Austin–Round Rock–Georgetown Metro

Home Insurance in Houston, TX

Houston homes can face a wide range of property risks—from wind and hail to intense rainfall events.
A strong homeowners policy typically includes:

• Dwelling coverage (the structure of your home)


• Other structures (fences, detached garages, sheds)


• Personal property (your belongings)


• Loss of use (temporary housing if your home can’t be lived in)


• Personal liability + medical payments (protection if someone is injured on your property)

Houston-Specific Considerations We’ll Review With You

1. 
   Wind & hail deductibles
   
   Many Texas policies handle wind/hail differently than “all other perils.” We’ll help you understand deductibles
   and how they impact real claim scenarios.
   


2. 
   Flood coverage (often separate)
   
   Flooding is commonly excluded from standard homeowners policies. If you’re near bayous, low-lying areas, or simply
   want extra peace of mind, we can help you explore flood options.
   


3. 
   Roof age and material
   
   In hail-prone areas, roof condition can affect eligibility, premiums, and deductible structures. We’ll factor this
   into carrier comparisons.
   


4. 
   Water backup & additional endorsements
   
   Depending on your home, you may want optional protections for water backup, equipment breakdown, or higher limits
   for valuables (jewelry, collectibles, specialty items).
   

Auto Insurance in Houston, TX

Houston driving is its own category—more congestion, more time on the road, and a higher chance of weather-related incidents.
We’ll help you tailor a policy that fits your commute and your vehicle.

Common Houston auto coverage options include:

• Liability coverage (required in Texas)


• Collision (damage from accidents)


• Comprehensive (theft, vandalism, storm-related damage, etc.)


• Uninsured/underinsured motorist protection


• PIP or MedPay (medical coverage options)


• Rental reimbursement and roadside assistance

If you have teen drivers, a rideshare situation, a long commute, or multiple vehicles, we’ll structure the policy to match your
real risk profile—not a generic template.

Bundle Home + Auto in Houston

Bundling your home and auto insurance can unlock strong discounts with many carriers and can also simplify your policy management.
Because NDI is independent, we can shop bundle options across carriers and explain the differences clearly.

Other Policies Houston Clients Often Need

• Renters insurance (apartment or home rental)


• Condo insurance (HO-6)


• Landlord / rental property insurance


• Umbrella insurance (extra liability protection beyond home/auto limits)


• Commercial auto and business coverage (if applicable)

Not sure what you need? Tell us your situation and we’ll help you prioritize coverage that makes sense.

Why Houston Clients Choose NDI Agency

• Independent shopping: we compare multiple carriers to find the right fit


• Clear explanations: we translate coverage into plain English


• Texas-focused guidance: we understand common storm-season and driving realities


• Fast quoting: streamlined process to help you get covered without delays

Houston Service Area

We help clients across the Houston metro, including:

• Downtown Houston, Midtown, Montrose, The Heights, Westchase, Memorial, Spring Branch


• Nearby communities: Katy, Sugar Land, Pearland, Cypress, The Woodlands, Spring, Pasadena, League City

If you’re not sure whether your neighborhood qualifies, call us—we can confirm quickly.

Get a Houston Insurance Quote

Ready to compare home, auto, or bundle options?

• Phone: (214) 349-8300


• Address: 777 Main St Ste 600, Fort Worth, TX 76102, United States

Tip: Have This Ready (If Available)

• For home: year built, roof age/type, prior claims (if any), desired deductible


• For auto: VIN, driver info, approximate annual mileage, current coverage (if any)