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Personal and Renters Insurance in Texas

You’ve worked hard for what you own. Securing personal property and renters insurance in Texas is a great way to protect your belongings against the unexpected.

Services Personal Personal Insurance Solutions

Protecting What Matters Most with Personal Insurance Solutions

Personal insurance protects you and the assets you've worked to acquire, and it doesn't need to be complicated. Our expert team takes a service approach to make your life easier and protect you from risk and liability.

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Services Personal Renters Insurance

Renters Insurance

When all that you’ve worked so hard for is secure, you have the freedom to focus on what really matters. Landlord policies do not your cover the replacement of lost or damaged property due to fire, smoke, lightning, explosion, vandalism, or water damage. Renters insurance can cover virtually all your personal possessions and help with temporary housing and liability protection for people on your property if needed.

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What Does Personal Insurance Cover?

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

Homeowner: Primary home, secondary home, custom homes

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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

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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.

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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 you’re covered.

Farm and Ranch

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

Watercraft/Aircraft

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If you own watercrafts or aircrafts, we offer comprehensive coverage plans designed to protect against everything from theft and vandalism to accidents involving other vehicles on land or water.

Recreational Vehicles

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We understand that your recreational vehicle is more than just a mode of transportation. It's also a place where you can get away and relax with family and friends. That's why we want to make sure that your RV is protected so you can focus on enjoying life.

Rental Property

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If you own rental property, you know how important it is to have the peace of mind of knowing your investment is protected. Our team works quickly to process claims so you minimize down time.

Weddings/Special Events

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Your wedding or special event should be an unforgettable experience for everyone involved. Our dedicated team processes any claims as quickly as possible so you can enjoy every moment of these once-in-a-lifetime celebrations!

Windstorm/Flood

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If you live in an area that experiences frequent flooding or windstorms, we recommend protecting your personal property with a special policy tailored to you.

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BENEFITS OF GETTING PERSONAL INSURANCE IN TEXAS

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Protect Your Property

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Save Money on Needs

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Get Peace of Mind

Why Hotchkiss?

  • CUSTOMIZED COVERAGE

    With 50 years of experience, we deliver tailored insurance solutions that meet your unique needs.

  • FRIENDLY TEAM OF EXPERTS

    Our knowledgeable staff provides unparalleled guidance and support at every step.

  • COMPREHENSIVE OPTIONS

    We have access to a wide range of coverage options for to find solutions that make sense for you.

  • PROACTIVE PARTNERSHIPS

    We view every client relationship as a partnership, working collaboratively to protect your possible.

Services Why Hotchkiss

Ready to Secure Your Future?

Personalized insurance solutions are just a click away. Contact us today to start building your protection plan with a partner you can trust.

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Frequently Asked Questions

Services Personal Insurance FAQ

IS PERSONAL INSURANCE REQUIRED BY LAW?

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Lenders will insist that you obtain insurance until your loan is paid.

even though it is not required by law. In case of damage or injury, personal insurance will help you get back to where you were.

HOW IS THE VALUE OF PERSONAL PROPERTY DETERMINED FOR INSURANCE PURPOSES?

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This value is determined by several factors, including the age and condition of the item.

HOW DO I FILE A CLAIM FOR PERSONAL INSURANCE?

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Most insurance providers give you the option of submitting a claim online, via a mobile app, over the phone with an agent, or by completing a claims form and sending back by email or fax.

HOW DO I CHOOSE THE RIGHT PERSONAL INSURANCE POLICY?

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There are many factors to consider as you make your decision, including:

  • The type of coverage you need.

  • Your budget.

  • Your personal needs and wants. If there's something specific that is important to you, like protecting against damage from flooding or earthquakes, then these factors will help determine your choice of policy.