Answers to the most common questions about home, auto, and life insurance in Texas. Can't find your answer? Just call a local agent.
Standard homeowners insurance in Texas covers your dwelling structure, personal property, personal liability, and additional living expenses if your home becomes uninhabitable. Covered perils typically include fire, windstorm, hail, theft, vandalism, lightning, and water damage from burst pipes. Flood and earthquake damage require separate policies. Call our agents for a full explanation of what your specific policy covers.
Home insurance in Plano TX typically costs between $1,800 and $3,500 per year, depending on your home's value, age, construction type, and the coverage limits you choose. Collin County homes face hail and severe storm risks that can affect premiums. Call our Plano office at (469) 429-6933 for a personalized estimate.
Home insurance in Laredo TX generally ranges from $1,400 to $2,800 per year. Webb County has different risk profiles than North Texas, often resulting in lower premiums for comparable homes. Call our Laredo office at (956) 649-8661 for your specific rate.
No. Flood insurance is NOT included in standard homeowners policies anywhere in the United States. You must purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. This is especially important for homes near the Rio Grande in Laredo or low-lying areas in DFW. Ask our agents about flood coverage options.
Yes. Both our Plano TX and Laredo TX offices have fully bilingual agents who speak English and Spanish fluently. We are proud to serve Texas's Spanish-speaking communities with the same quality of service in either language. ¡Hablamos español!
Texas requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. However, these minimums are often insufficient to cover real accidents. We recommend higher limits and full coverage for most drivers. See our auto insurance page for more details.
In most cases, we can bind a policy and have you covered the same day you call. For homebuyers with a closing deadline, we can often provide a proof of insurance binder within a few hours. Just call your nearest Zoi Insurance office and we will make it happen.
An independent insurance agency like Zoi Insurance works with multiple carriers rather than representing just one company. This allows us to shop the market on your behalf and find the best combination of price and coverage for your specific situation. You get more options and better value than going directly to a single insurance company.
Yes. If you rent out a property in Texas, your standard homeowners policy will not cover it as a rental. You need a landlord insurance (dwelling fire) policy covering property damage, landlord liability, and loss of rental income. See our real estate insurance page or call us to get covered.
From our Plano TX office, we serve Plano, Frisco, Allen, McKinney, Richardson, Garland, The Colony, Prosper, and all of Collin and Dallas County. From our Laredo TX office, we serve Laredo, Webb County, Zapata County, and surrounding South Texas communities. We are licensed throughout Texas.
Yes. Renters insurance is available through Zoi Insurance for tenants across Texas. A renters policy covers your personal belongings and personal liability starting at as little as $15/month. Call either office to get covered in minutes.
We offer term life, whole life, universal life, and final expense insurance. Term life is the most affordable and popular for young families. Whole life builds cash value over time. Final expense policies are available with no medical exam for clients ages 50–85. Call us to find out which policy fits your family and budget.
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