Personal Insurance
Home & Auto Coverage in Texas
Protect Your Home, Vehicle, and More!
While Ironwood Insurance is known for commercial coverage across Central Texas, we also offer personal insurance for individuals and families who want the convenience of handling all their coverage in one place. Whether you're protecting your home in Waco, commuting along Highway 84, or just want to make sure your family’s assets are secure, we’ll help you find personal insurance options that make sense—without overcomplicating the process.
We understand the value of time and trust. That’s why many of our business clients also choose us to handle their home and auto insurance—because it’s easier to work with one agency that knows your full picture.
Homeowners Insurance
Your home is more than just a roof—it’s where life happens. We help you protect it with homeowners insurance that covers the structure itself, your belongings inside, and liability for injuries that might happen on your property.
Texas homes face unique risks like hailstorms, wind damage, and occasional flooding. Having a local agent who understands those exposures can make all the difference when it comes to choosing the right coverage and responding quickly if something goes wrong.
Auto Insurance
Texas requires all drivers to carry minimum liability insurance—but that’s just the start. We help you build an auto insurance policy that fits your budget and lifestyle, with options for collision, comprehensive, uninsured motorist, and more.
Whether you're driving around Lake Waco, commuting from Marlin, or taking weekend trips through the Hill Country, we’ll shop competitive rates from top carriers to get you on the road with confidence.
Bundling & Discounts
Want to save? Bundling your home and auto insurance through one carrier often unlocks valuable multi-policy discounts. As an independent agency, we work with multiple insurers so you can take advantage of bundling savings without losing the flexibility of choice.
We’ll help you coordinate coverage, simplify billing, and maximize discounts across personal and business policies when possible. Clients appreciate the convenience—and the cost savings.
Personal Umbrella & Additional Coverages
Looking for added peace of mind? A personal umbrella policy provides extra liability coverage above the limits of your home and auto policies. This can be especially important if you have significant assets or want more protection against lawsuits.
We can also help with other personal lines if needed—like rental property insurance, boat coverage, or even special event policies—depending on your situation.
Our Personal Insurance Service
We believe your personal insurance should work as hard as you do. That’s why we compare quotes from leading carriers (including names like Progressive, Safeco, and Travelers) and take the time to walk through your options with zero pressure.
When you have a claim, we’re not just a phone number—you’ll talk to a real person who knows your name and your policy. Our Waco-based team is ready to help whether you're dealing with a fender bender or a roof replacement.
Frequently Asked Questions About Personal Insurance in Texas
Does Ironwood Insurance offer personal insurance or just business coverage?
We’re known for our commercial insurance expertise, but we also help individuals and families across Central Texas with personal insurance—especially home and auto coverage. Many of our business clients appreciate having everything under one roof.
Can I bundle my home and auto insurance?
Yes. Bundling your home and auto with the same carrier often qualifies you for a multi-policy discount. We’ll compare options from multiple insurance companies to find you the best deal—and make managing your policies easier.
What does homeowners insurance cover in Texas?
A standard homeowners policy typically covers your home’s structure, your belongings, liability protection, and additional living expenses if you’re temporarily displaced. In Texas, it’s especially important to look for strong wind and hail coverage—our team knows how to navigate those options.
Is auto insurance required in Texas?
Yes. Texas law requires all drivers to carry minimum liability coverage. But most people also add protection like collision, comprehensive, uninsured motorist, and roadside assistance to cover damage to their own vehicle and more.
Can I switch my personal insurance to Ironwood even if I’m not a business client?
Absolutely. You don’t need to be a commercial client to work with us on personal lines. If you're located in Waco, Burnet, Lampasas, or nearby, we’re happy to help with your home, auto, and other personal policies.
What other personal insurance coverages do you offer?
In addition to home and auto, we can help with personal umbrella policies for added liability protection. If you own a rental property, boat, or need coverage for something specific, just ask—we’ll let you know what’s available.
Do you help with claims or just sell the policy?
We’re here for both. If you have a claim, we’ll help walk you through it—not just hand you off to the carrier. Our goal is to be your long-term resource, whether you’re renewing a policy or dealing with storm damage.
Can I get a quote without a bunch of back-and-forth?
Yes. We make the process simple. Fill out a quick form, or give us a call to tell us what you’re looking for. We’ll shop it for you and send back the best options.
Get a Home/Auto Quote
Even if your primary need is commercial insurance, let us review your personal home and auto policies for potential savings. Many of our clients appreciate having everything under one roof—and we make the process easy.
Ready to take a look? Reach out for a personal insurance quote and let’s talk about how we can help.