Protect your home and business with tailored coverage from Pepper, Johnstone & Company. With over 50 years of experience and access to more than 60 top insurers, we offer flexible and affordable solutions for all your insurance needs.
Home & Commercial Insurance in Texas
from Pepper, Johnstone & Company
Texas Property Insurance Tailored to Your Risk and Region
From severe hailstorms in Dallas to flash floods in Houston and tornadoes in the Panhandle, Texas property owners face some of the most diverse and intense weather risks in the country. At Pepper, Johnstone & Company, we’ve been helping families and businesses secure the right protection for over 50 years. With access to more than 60 top-rated carriers, we craft flexible insurance policies that shield your assets, income, and future, no matter where you live or work in Texas.
What to Expect from Your Texas Insurance Policy
Every insurance policy is a contract of trust between you and your provider. In exchange for a premium, your insurer agrees to cover specific losses due to natural disasters, theft, liability, and other covered events. In Texas, this often means planning for extreme weather, rising property values, and legal liability—all of which can be addressed through well-structured coverage designed by our local Account Managers.
Personalized Coverage for Texas Homes and Businesses
We don’t believe in one-size-fits-all policies. Whether you're protecting your home in San Antonio or insuring a retail space in Austin, we offer tailored insurance packages for:
Single-family homes & duplexes
Rental properties & short-term vacation homes
Office buildings, medical practices & law firms
Retail shops, restaurants & service businesses
Warehouses, manufacturers & agricultural operations
No matter your property type, our experienced team can help build a protection plan that reflects your real risks and long-term goals.
Navigating Insurance Requirements in Texas
Is Insurance Required in Texas?
Texas law does not mandate homeowners or commercial property insurance, but mortgage lenders and commercial financiers almost always require it. Additionally, given the frequency of extreme weather events in Texas, voluntary coverage is highly recommended for both residential and business owners. Liability insurance, while not always required, is essential for protecting your finances from legal claims.
Key Coverages for Texas Property Owners
If you're buying a home or running a business in Texas, here are some must-have coverages to consider:
Homeowners Insurance: Covers your home, personal belongings, and temporary living costs if your property is damaged by events like wind, hail, fire, or theft.
Commercial Property Insurance: Protects your business buildings, equipment, and inventory.
Flood Insurance: Especially crucial in Texas due to the high number of FEMA-designated flood zones. This coverage is not included in standard policies.
Liability Protection: Covers legal costs and settlements if someone is injured on your property or if your business is found liable for damages.
Business Interruption Coverage: Helps cover lost income if your Texas-based business must temporarily close due to a covered disaster.
Farm & Ranch Insurance: Custom packages for agricultural operations in rural Texas.
Auto & Fleet Insurance: Personal auto, commercial vehicle, and business fleet coverage tailored to Texas driving conditions.
Frequently Asked Questions
Texas Home and Commercial Insurance
No, it’s not required by law, but lenders typically require it if you have a mortgage. Considering the high risk of hail, windstorms, and wildfires in many Texas regions, it’s strongly recommended.
Any business that owns physical assets, operates vehicles, or interacts with customers or clients should carry commercial insurance. This includes everything from barbershops and law firms to restaurants and logistics companies.
A standard homeowners policy includes dwelling coverage, personal property protection, liability insurance, and additional living expenses. You can customize it with add-ons like flood or umbrella insurance.
Pepper, Johnstone & Company offers industry-specific solutions for Texas businesses, including coverages for property, liability, cyber threats, and commercial auto. Each policy is tailored to your business size, industry, and risk exposure.
Premiums vary based on location (e.g., coastal vs. inland), construction type, claim history, coverage levels, and risk exposure (e.g., hail, flooding, or wildfire zones). For businesses, size and operational complexity also play a role.
Flood insurance is issued through the National Flood Insurance Program (NFIP) or private carriers and is not included in standard home or commercial policies. Given Texas’s high flood risk, this is an essential add-on for many property owners.