Personal Insurance in Texas

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Protecting Your Home, Your Car, and Your Peace of Mind

Life in Texas is full of opportunities — but also risks. From hailstorms to highway accidents, unexpected events can leave you and your family financially vulnerable. That’s where Personal Insurance from DFG Insurance Solutions comes in. We help Texans safeguard their homes, vehicles, and lifestyles with reliable coverage tailored to real needs.

What Personal Insurance Covers

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Homeowners Insurance

– Protects your house and belongings from fire, theft, wind, hail, and more. Includes liability coverage if someone is injured on your property.

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Condo Insurance

Provides coverage for your personal property, interior unit improvements, and liability, complementing your HOA’s master policy.

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Renters Insurance

Covers your personal belongings in an apartment or rental home, plus liability protection — often required by Texas landlords.

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Umbrella Insurance

Adds an extra layer of liability protection beyond home and auto, shielding your assets from lawsuits or major claims.

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Auto Insurance

Protects you against accidents, damage, or injuries on Texas roads. Includes liability, collision, comprehensive, and uninsured motorist coverage.

Black motorcycle icon.

Motorcycle & Recreational Vehicle Insurance

Helps cover medical bills and lost wages if your drivers or staff are hurt while on the job.

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Why Choose DFG Insurance Solutions

Personal insurance isn’t one-size-fits-all. At DFG, we build coverage around you:

  • Custom-Tailored Protection

    Whether you own a home, rent an apartment, or drive daily across Texas highways, we match coverage to your lifestyle.


  • Independent Access

    We shop top-rated carriers across Texas, finding the best mix of value and protection for your family.

  • Local Expertise

    From hailstorms to flood zones, we know the risks Texans face and guide you in choosing the right safeguards.

  • Direct Access

    Call or text Dee and her team anytime. You’ll always reach real people who know your name, not a call center.

  • Long-Term Support

    From policy reviews to claims assistance, we stay with you at every step — ensuring your coverage grows with your needs.

Let’s Clear the Confusion

Common Questions About Personal Insurance

  • Is personal insurance required in Texas?

    Some policies are required by law or lenders. For example, Texas drivers must carry auto liability insurance to legally operate a vehicle. Mortgage lenders require homeowners insurance to protect their investment. While renters insurance isn’t legally mandated, many landlords in Texas now require it.

  • How much auto insurance coverage do I need in Texas?

    The state minimum is 30/60/25 liability coverage ($30,000 per person, $60,000 per accident, $25,000 property damage). However, most Texans choose higher limits and add comprehensive and collision coverage for better protection. At DFG, we’ll help you balance affordability with the coverage you truly need.

  • Does homeowners insurance in Texas cover flooding?

    No. Standard homeowners policies in Texas do not include flood insurance. To protect against flood damage, you’ll need a separate policy through the National Flood Insurance Program (NFIP) or private carriers. We’ll help you determine if flood insurance makes sense for your home.

  • What are the benefits of bundling home and auto insurance?

    Bundling home and auto policies can save Texans up to 20–25% on premiums, while simplifying payments and claims. Plus, bundling with DFG means we shop multiple carriers to maximize your savings without sacrificing protection.

  • How much does personal insurance cost in Texas?

    Costs vary based on factors like home value, vehicle type, driving record, and location. For example, auto insurance in Dallas–Fort Worth often costs more than in smaller Texas towns. As an independent Texas agency, we compare rates across multiple companies to find the most competitive options for your budget.

Protect What Matters Most

From your home to your car — and everything in between — DFG Insurance Solutions is here to safeguard your family’s future. With personal service, honest advice, and access to top carriers, we’ll make sure you’re covered where it counts.

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