Austin & Central Texas Business & Personal Insurance
Independent property & casualty coverage for Austin businesses, property owners, and families. 30+ carriers, licensed in Texas, no pressure, no runaround.
Austin combines Central Texas hail with Hill Country wildfire exposure, one of the most regulated short-term rental markets in the state, and a construction boom that has not slowed since 2015. Carriers ask different questions here: STR permit status, brush-fire distance and protection class for properties west of MoPac, and hot-work and height terms for contractors on mid-rise multifamily. We place all of it, from single-door Airbnb hosts to GCs building in Georgetown and Kyle.
What Carriers Price in Austin
- ✓ Austin's short-term rental ordinance and licensing regime means carriers ask about permit status and occupancy; a homeowners policy on an active Airbnb is a rescission risk, not a coverage plan.
- ✓ Hill Country and western Travis County properties carry wildfire scoring, poor protection classes, well water, and septic systems that change both pricing and carrier appetite.
- ✓ Central Texas hail drives 2%–5% percentage wind/hail deductibles on residential and commercial property alike; flash-flood exposure along Onion Creek, Shoal Creek, and the Blanco is excluded without a separate flood policy.
- ✓ Tech and professional firms need cyber, E&O, and D&O structured for venture-backed growth, while the surrounding construction market needs builders risk and contractor GL that tolerates four-plus stories.
Who We Insure in Austin
Areas We Serve Around Austin
- Downtown & East Austin
- Westlake & Rollingwood
- Round Rock & Pflugerville
- Cedar Park & Leander
- Georgetown & Williamson County
- Kyle, Buda & San Marcos
- Dripping Springs & the Hill Country
- Lake Travis & Lakeway
Austin Insurance Questions We Hear Most
Does homeowners insurance cover my Austin Airbnb?
No. Standard HO-3 and Texas HO-A/HO-B forms exclude business activity, and short-term rental is a business. If the application listed the home as owner-occupied, a claim can trigger rescission. We write dedicated STR dwelling and liability programs for Austin hosts.
How does wildfire risk affect Hill Country home insurance?
Carriers score brush exposure, slope, access, and distance to a responding fire station. Properties in Dripping Springs, Wimberley, and Lake Travis often need surplus-lines or specialty carriers. We know which ones are still writing.
What insurance does a GC building in Georgetown or Kyle need?
General liability with additional-insured endorsements for ongoing and completed operations, workers' comp or a compliant non-subscriber plan, commercial auto, builders risk, and inland marine for tools and equipment. Most project owners also require a $5M umbrella.
Run a Coverage Diagnostic for Your Austin Risk
Two minutes. A licensed Texas advisor compares your current policy against 30+ carriers and shows you the deductible math in dollars.
Run Your Coverage DiagnosticCoverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Deductible figures are illustrative. Availability, eligibility, and pricing vary by carrier and risk. Submitting a request does not bind coverage. Wirehaired Trust is a dba of Pointeriaus, a licensed independent property & casualty insurance agency in Texas and Florida.