Houston Business & Personal Insurance

Wirehaired Trust is based in Houston, and Greater Houston is where we write the most. The market here is defined by three things carriers price hard: Gulf hurricane and wind exposure, the flood history of Harris, Fort Bend, and Montgomery counties, and an economy built on construction, energy services, and industrial real estate. We know which carriers still have appetite inside the I-610 loop, which ones write coastal Galveston and Baytown, and which ones will not touch a roofer with hot-tar work.

What Carriers Price in Houston

• ✓ Wind/hail deductibles are written as a percentage of insured value, commonly 2%–5%, and coastal ZIP codes east of Highway 146 often carry separate named-storm terms or Texas Windstorm Insurance Association placement.
• ✓ Flood is excluded from every standard property policy. After Harvey, Imelda, and Beryl, lenders and carriers both scrutinize elevation certificates, prior loss history, and FEMA zone, and NFIP alone caps commercial buildings at $500,000.
• ✓ Contractors working petrochemical-adjacent and industrial sites face GC contract requirements that routinely push umbrella limits to $5M–$10M and demand primary/non-contributory additional-insured wording.
• ✓ Workers' comp is optional under Texas law but mandatory under nearly every Houston commercial contract; non-subscriber status without an alternative plan is a common gap we find in audits.

Who We Insure in Houston

Areas We Serve Around Houston

• Downtown & Midtown
• The Heights & Oak Forest
• Katy & Cinco Ranch
• Sugar Land & Fort Bend
• The Woodlands & Spring
• Pearland & Clear Lake
• Cypress & Northwest Harris
• Galveston & Baytown coastal

Houston Insurance Questions We Hear Most

Do Houston homeowners need a separate wind/hail deductible?

Almost every Houston-area homeowners policy carries a wind/hail deductible expressed as a percentage of the dwelling limit, typically 2%–5%, separate from the flat all-other-perils deductible. On a $450,000 home a 2% deductible is $9,000 out of pocket before the carrier pays.

Is flood insurance required in Houston?

It is required by lenders for properties in FEMA Special Flood Hazard Areas, but roughly 40% of Harris County flood claims come from outside those zones. We quote both NFIP and private flood for every Houston property review.

Do I need workers' comp for my Houston business?

Texas does not mandate it, but general contractors, property owners, and most commercial leases in Houston require proof of coverage. We place traditional workers' comp and, where appropriate, structured non-subscriber alternatives.

Coverage 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.