Protect the vehicles, homes, and belongings you rely on with help from bilingual local agents. Lopez compares available options from multiple carriers and explains the limits, deductibles, and policy details that affect your decision.
Compare liability and other available coverage for your drivers and vehicles, including options for different driving histories and identification situations.
Review coverage for the home, personal property, liability, and qualifying living expenses after a covered loss, subject to the policy.
Protect belongings and review liability and qualifying living-expense coverage that a landlord’s building policy generally does not provide for the tenant.
Choose the closest starting point. A Lopez agent will ask about the people, property, and use involved, then explain which personal insurance category may apply.
Using a vehicle for deliveries, job sites, customer transportation, or other business activity? Personal auto coverage may not fit every commercial exposure.
Explore Business Insurance
Auto insurance is the most common starting point for Texas households, and it is the coverage the state requires drivers to carry. Lopez compares available liability, collision, and comprehensive options from multiple carriers so consistent limits and deductibles, then explains what changes between the choices so the price you see reflects the coverage you actually selected.
Texas requirements, coverage types, rating factors, and what to bring for a quote are covered in depth on the dedicated Auto Insurance page. Use it when you are ready to compare specific options.
Compare Auto Insurance OptionsAn ITIN, foreign license, Matricula Consular, coverage lapse, recent ticket, or older accident or SR-22 requirement can need more context than a standard quote form captures. An SR-22 is a certificate filed by an insurer to show financial responsibility when required, not a separate policy. Bring the notice, identification, and records you have so the team can check available carrier requirements and confirm the next step. Eligibility, price, and approval remain subject to the carrier and complete, accurate information.
Ask About SR-22 Support
A homeowners policy can combine several types of protection. Dwelling coverage may help repair or rebuild the home after a covered loss. Other structures coverage can apply to eligible detached structures. Personal property coverage may help repair or replace belongings. Liability coverage can address certain claims if someone is injured or property is damaged and you are legally responsible.
Policies differ in the events they cover, the exclusions they contain, and the way losses are valued. Texas policies may also use different deductibles for wind, hail, or other causes of loss. Review the Declarations page, coverage limits, deductibles, and endorsements rather than relying on a broad label.
Compare Homeowners InsuranceA landlord's insurance generally covers the property owner's interest in the building. It does not normally pay to replace the tenant's clothing, furniture, electronics, and other personal belongings after a covered loss.
Renters insurance can include personal property coverage, personal liability, and qualifying additional living expenses if the rental becomes temporarily unlivable after a covered event. Coverage follows the policy limits and deductibles. Some belongings may have special limits, and high-value items may need additional coverage.
Estimate the value of what you own room by room. Keep receipts, photos, or an inventory where possible. Ask whether the policy uses replacement cost or actual cash value for personal property and what events are excluded.
Compare Renters Insurance
Mobile or manufactured homes can need coverage designed for their construction, location and occupancy. A policy may include coverage for the home, personal property, liability and certain additional living expenses, subject to terms. Tell the agent whether the home is owned, financed, rented, permanently placed or moved.
Motorcycles, ATVs, travel trailers and other recreational vehicles have different uses and exposures. The right policy may depend on financing, storage, seasonal use, off-road activity, attached equipment and personal belongings. Give the agent a clear account of how and where the vehicle is used.
Explore Specialty Personal InsuranceWhen two options have different limits or deductibles, the lower price may not be the better comparison. Use the same basic inputs and ask the same questions for each option.
Bundling more than one policy with a carrier may be available and can be convenient. It is not automatically the best overall fit. Compare the complete price and coverage for every policy before deciding.
Tell us who and what needs coverage, how the vehicle or property is used and what changed. Accurate information matters.
We check available carriers and explain differences in limits, deductibles, payment structure and features. Not every carrier or policy is available for every applicant.
Before you leave or submit anything, confirm what has been completed, what still depends on you and what must be reviewed by a carrier or government office. Keep copies of important documents and ask when you should follow up.
If a vehicle is titled to a business, used for deliveries, carries tools or regularly travels to job sites, personal auto coverage may not fit every exposure. Business owners may also need general liability, proof of insurance or a surety bond for a contract, license or permit.
Texas minimum liability limits are a legal starting point, not a universal recommendation. Consider household finances, vehicle financing, savings and the cost of higher limits or different deductibles. A licensed representative can explain options, but the decision remains yours.
There is no single standard definition. People commonly mean liability, collision and comprehensive. Limits, deductibles and optional features still vary, so review the actual policy rather than relying on the phrase.
Some carriers may accept a foreign license or other identification. Requirements vary. Contact Lopez with the documents you have so available options can be checked.
A homeowners policy may include the dwelling, other structures, personal property, liability and qualifying additional living expenses after a covered loss. The policy's limits, deductibles, exclusions and covered causes of loss control.
A landlord's policy generally protects the building owner's interest, not the tenant's belongings. Renters insurance may also include liability and qualifying living-expense coverage, subject to the policy.
A higher deductible can reduce premium in some cases, but it increases the amount you pay before covered damage is paid. Choose an amount you could reasonably handle after an unexpected loss.
Bundling may be available and convenient, but it is not always the best total fit. Compare the full price, limits and deductibles for both policies before deciding.
Policies can often be changed subject to carrier rules. Contact Lopez promptly when drivers, vehicles, address, property use or household details change. Do not assume a new driver or vehicle is automatically covered.
Coverage begins on the effective date and time confirmed by the carrier after the application and payment requirements are satisfied. A quote or form submission alone does not create coverage.
Tell us what you drive, own or rent. We will review available options, answer your questions and help you understand the next step.
