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Protecting What Matters Most with Personal Insurance Solutions in Texas

Personal insurance is designed to protect you and the assets you've worked so diligently to acquire, and it doesn't need to be complicated. Hotchkiss Insurance’s team of consultants in Texas will fiercely protect you from risk and liability, with a service approach that makes your life easier.

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How Does Personal Insurance Work

If your possessions are damaged or destroyed by a covered risk, personal insurance may be able to assist you in paying for their replacement or repair. The insurance provider will contribute to the cost of losses covered by your policy after you have met your deductible.

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Renters Insurance

Think of the costs associated with having to replace everything you own.

Renters insurance can cover virtually all of your personal possessions. Not only will it protect your personal items, but should you ever need it, you’ll have help with temporary housing and liability protection for people on your property. It’s important to note that your landlord’s policy will not cover your personal items. This insurance can include coverage for lost or damaged property due to theft, fire, smoke, lightning, explosion, vandalism, and water damage.

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Don't Leave Your Financial Stability to Chance

Invest in a comprehensive personal insurance plan and secure your future against unexpected events. Start your journey with Hotchkiss Insurance today.

Get your personal insurance now!
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What Does Personal Insurance Cover?

As your portfolio grows, so does your need for a tailored, advisory approach of personal insurance from a dedicated team.

Homeowner: Primary home, secondary home, custom homes

For homeowners, we offer a variety of policies to protect you and your family from the damage and inconvenience that can come with a broken pipe, fire, storm or other disasters.

Auto and Exotic, high-performance vehicles

If you own an exotic or high-performance car or motorcycle, you may be able to get protection against theft or damage.

Collections: Fine Art, Jewelry, Wine, etc.

If you have valuable collections like fine art, jewelry or wine—or if you're an avid collector who has built up a collection over time—we can help make sure they're covered if they ever get damaged.

Farm and Ranch

If you own a farm or ranch, we offer policies that provide protection against losses due to weather events such as hail storms and tornadoes.


If you own watercraft (such as boats) or aircrafts (such as airplanes), we offer comprehensive coverage options designed to protect against everything from theft/vandalism to accidents involving other vehicles on land or water.

Recreational Vehicles

We understand that your recreational vehicle is more than just a mode of transportation. It's also a place where you can get away from the hustle and bustle of everyday life and relax with family and friends. That's why we want to make sure that your RV is protected when it comes time to make a claim, so you can focus on what matters most: enjoying life!

Rental Property

If you own rental property, you know how important it is to have peace of mind knowing that your investment is protected. Our dedicated team will work quickly to process your claim—so you can get back up on your feet faster!

Wedding/Special Events

Your wedding or special event should be an unforgettable experience for everyone involved. We make it happen with our dedicated team by processing any claims as quickly as possible so you can enjoy every moment of this once-in-a-lifetime celebration!


If you live in an area that experiences frequent flooding or windstorms, we recommend protecting your personal property with a dedicated Insurance team policy.

Contact your personal insurance specialist today
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Benefits of Getting Personal Insurance in Texas

Here are the Benefits of getting Personal Insurance in Texas:

1. Protect Your Stuff

You never know what the future holds. You could get into a car accident and have to pay $5,000 in repair costs. Or you might have a leaky roof that costs $2,500 to fix. Either way, it's better to be prepared than not.

2. Save Money on the Things You Need

You don't want to be caught off guard when the unexpected happens. That's why we're here to help you make sure that you have the coverage you need, and save money on it at the same time!

3. Get Peace of Mind

If your stuff is stolen or damaged by some other means (like fire or a flood), having personal insurance in Texas will help ensure that your losses are covered—and that money isn't going toward replacing everything again!

Are you ready to take charge of your financial security?

Personal insurance provides the protection you need for you and your loved ones. Act now to get the coverage you deserve and secure your future.

Book your personal insurance expert today
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Why Choose Hotchkiss Insurance as your Personal Insurance Broker in Texas?

Here are some reasons why you should choose us:

Customized coverage

We're an insurance company that's been in the game for years, which means we can give you customized rates and coverage options to fit your needs.

Friendly team of experts

Our knowledgeable staff will help you find the best policies for any situation.

Multiple options for different needs

We have a wide range of coverage options for both personal and commercial properties, so you can choose what makes sense for you.

Convenient consultations

We offer consultations over the phone or in person at our Texas office, so there's no need to drive anywhere!

Valuable Personal Insurance in Texas

If you're looking for valuable personal insurance plans in Texas, Hotchkiss Insurance has the expertise and experience you need.

Let us help you create or select a customized insurance package to insure whatever it is you need to protect.

Our agents are ready to provide you with the personalized valuable personal insurance coverage you need. Contact us today to schedule a meeting.

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  • Is Personal Insurance required by law? - Lenders will insist that you obtain insurance till your loan is paid even though it is not required by law. Keeping it is also a smart idea in case of damage or injury.
  • How is the value of personal property determined for insurance purposes? - The value of personal property for insurance purposes is determined by a number of factors, including the age and condition of the item.
  • How does one file a claim for Personal Insurance? - The majority of insurance providers give you the option of submitting a claim online, via a mobile app, over the phone with one of their agents, or by completing a claims form and sending it to them by email or fax.
  • How does one choose the right Personal Insurance policy?- Choosing the right Personal Insurance policy can be a difficult process. There are many factors to consider as you make your decision, including:
  • The type of coverage you need. Is it just for your car or will you be taking out insurance on other personal property as well? Will you need to protect against theft, damage from weather, or natural disasters?
  • Your budget. How much money do you have available for insurance? What's the most that you can afford to pay for this kind of coverage?
  • Your personal needs and wants. If there's something specific that is important to you, like needing to protect against damage from flooding or earthquakes, then this should be reflected in your choice of policy.

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