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Waco Auto, Home, Renters & Business Insurance


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Centrally-located between Dallas and Austin, Waco is a major college town and cultural center in its own right. Baylor University® and the Magnolia® home décor empire call the city home. It is a major draw for both tourists and residents from the large cities looking to downsize.

Waco residents need various types of insurance that will protect all the important things they accumulate in their lifetimes. Let Remco Insurance Agencies help you get top-rated protection.

 Waco Car Insurance

Texas roadways present a variety of accident risks for all drivers and vehicles. From highways to your driveway, you need to have car insurance for your own protection. Most policies can offer at least:

  • Liability coverage (30/60/25 limits required by Texas law)
  • Collision insurance
  • Comprehensive insurance
  • Personal injury protection (PIP coverage)
  • Uninsured/underinsured coverage

Unique Vehicle Coverage Options: Many drivers don’t qualify for a standard car insurance policy. We’ll help you get specialized coverage options, including:

Car Insurance FAQs

What type of vehicle insurance coverage is required in Texas?

All Texas drivers must carry auto policies that offer at least:

  • $30,000 bodily injury liability coverage per person
  • $60,000 bodily injury liability coverage per accident (two or more people injured)
  • $25,000 property damage liability coverage

Texas requires drivers who cause wrecks (at-fault drivers) to pay for the damage they cause others, like other drivers. It is this coverage that will help you repay others harmed by your actions.

How much is car insurance in Texas per month?

Statewide, Texas drivers pay on average about $87/month for their car insurance. Individual premiums for Waco drivers will vary based on their individual and localized driving risks.

How long do you have to get insurance after buying a car in Texas?

When you buy a new car, your existing auto policy will cover it for about 20 days. However, you should call your insurer as soon as possible to update your policy to reflect the new vehicle.

A couple of special conditions might apply in the meantime. If you buy a new (replacement) vehicle, it will automatically have as much coverage on the old policy as the old car. Buying a second car means that vehicle will have as much coverage as the vehicle on the policy that has the most coverage.

You don’t want to waste time looking for insurance coverage that’s not right for you. Let our team of dedicated insurance professionals do all the work for you. We are ready to help!

 Waco Homeowners Insurance

Waco’s real estate market is very competitive. All buyers will need homeowners insurance in order to protect themselves, their houses and others. Policies can offer multiple lines of coverage, including:

  • Property/structure insurance
  • Possessions and contents coverage
  • Scheduled belongings insurance
  • Liability insurance
  • Pet bite coverage
  • Expenses coverage

Homeowners Insurance FAQs

Are you required to have homeowners insurance in Texas?

Lenders can require borrowers of mortgages or other home loans to get covered. Therefore, you probably will face a requirement for certain types of coverage, namely structure protection.

Is homeowners insurance cheaper for townhomes?

Townhouses are usually smaller, aren’t as expensive and don’t require as much upkeep as stand-alone houses. Therefore, condo insurance usually costs less. Again, premiums vary between properties. So, it is not true to say every condo policy is automatically cheaper than every policy for a standard house. 

 Waco Renters Insurance

A renters insurance policy can apply to almost any rental property in Texas. Policyholders can insure not only their own property, but also the liabilities and property of others. Policies usually offer:

  • Possessions coverage
  • Liability insurance
  • Expenses coverage

Renters Insurance FAQs

Is renters insurance required in Texas?

No law requires renters to carry renters insurance. However, landlords do have the right to require renters to carry coverage. Coverage helps protect landlords from renters’ liabilities.

Do I need renters insurance for my college dorm?

If you live in an on-campus dorm, your parents’ own homeowners or renters insurance can often still extend to you. However, if you move to a house or apartment off campus, you will likely need your own renters or homeowners coverage.

Does homeowners insurance cover home businesses?

In some cases, standard homeowners insurance will extend limited coverage to the assets of home businesses. However, you might need to buy an in-home business policy or a business owners policy (BOP) to get the right amount of protection. 

 Waco Business Insurance

Every business needs insurance. To get the right coverage, you will rely on multiple policy options like:

  • Business Owners Policies (BOPs)
  • Structure and contents coverage
  • General liability insurance
  • Business interruption insurance
  • Workers’ compensation insurance

Business Insurance FAQs

How much business insurance do I need?

It’s impossible to tell you the exact value of coverage you need. We recommend you carry enough asset and liability protection for at least the typical costs of claims within your industry. We can help you research and enroll in the appropriate amounts of coverage.

What business insurance is required by law?

Texas law lets businesses have a lot of choices on whether they have to carry certain types of insurance. However, other industry regulators might require you to get coverage. 

Contact Us Today

Waco residents: Ready to get coverage? Start by getting a free online quote or calling ‭(254) 772-6300. You can also can stop by one of our two locations in Waco. We will be happy to see you!

Our Locations In Waco

  1. 1709 S Valley Mills Dr
    Waco, TX 76711
    Phone Number (254) 752-7526
    Fax Number (254) 732-2942

  2. 737 N. Valley Mills Rd
    Waco, TX 76710
    Phone Number (254) 772-6300
    Fax Number (254) 772-6307
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