Your #1 source in Texas for Home, Auto and Flood

As an independent Texas agency, UNIVERSAL HOME & AUTO INSURANCE has the flexibility to meet your insurance needs with affordability, quality and professionalism. Our goal is to provide the best possible insurance product to our customers at the lowest cost without sacrificing service or coverage. At UNIVERSAL HOME & AUTO INSURANCE you matter to us. You are not just a number, you are a customer and our neighbor. Your safety and security are our priority.

We look forward to earning, and most importantly, keeping your business.

12+ years of experience

We are committed to your customer satisfaction and have the team to deliver no matter your insurance needs.

Client Attention

Our team will work and design insurance packages specific to your coverage needs.

20+ Insurance Providers

With our accreditation with over 20 different insurance providers, we have access to the best prices for our clients.

Our Services For the State of Texas

Auto Insurance

Auto insurance protects you against financial loss if you have an accident, it is required in order to drive a vehicle in the state of Texas.

Homeowner's Insurance

Homeowner's insurance  is a form of property insurance that covers losses and damages to an individual's house and to assets in the home.

Renter's Insurance

Renter's insurance is a form of property insurance that provides coverage for a policy holder's belongings and liability within a rental property.

Motorcycle Insurance

Motorcycle Insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage.  It is also required to operate a motorcycle in the state of Texas.

Commercial Auto Insurance

Commercial liability insurance helps protect you from costs associated with injuries or property damage suffered by others in an accident caused by you or your employee in your insured commercial vehicle.

General Liability Insurance

General Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims.

Flood Insurance

Additional to Home Owner’s insurance, flood insurance protects real property owners from water damage to the structure and/or contents of their property that otherwise, might not be covered by a Home Owner’s policy.

Umbrella Insurance

Umbrella insurance is liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).

Other Services

Notary | Come by Universal Auto Insurance if you are in need of legal witness for all your important documents.

Title Transfers | Universal Auto Insurance is a great place to facilitate and secure any of your title transfer needs.

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