Independent Insurance Guidance for Texas
Bickerstaff Insurance is an independent insurance agency in Texas providing personal, business, and life insurance solutions with a focus on clarity, preparation, and long-term protection.
Our Partners CARRIERS.
Real People. Real Stories.
Insurance only means something when it works. Hear what happened when it did.
Our approach.
01
Understand your situation
We start by learning about your assets, responsibilities, and risk exposure.
02
Review coverage options
We walk through appropriate solutions and explain how each works.
03
Implement with intention
Coverage is selected based on fit—not speed or price alone.
04
Ongoing review
As circumstances change, we adjust coverage accordingly.
A more thoughtful approach to insurance.
Insurance decisions shouldn’t be rushed or confusing. They should be informed, intentional, and built around your actual risks.
At Bickerstaff Insurance, we help clients understand their coverage, evaluate exposure, and make confident decisions—without pressure or guesswork.
Insurance Solutions We Provide
Personal Insurance
Protection for your home, vehicles, and personal liability.
- Homeowners
- Auto
- Umbrella
- Flood
- Wind and Hail
- Renters
- Life
- Health
Business Insurance
Coverage designed to protect operations, employees, and assets.
- Business Owners Policies
- General Liability
- Commercial Property
- Business Interruption
- Commercial Auto
- Cyber Liability
- Workers’ Compensation
- Employer Sponsored Health Insurance
Life & Health Insurance
Financial protection for individuals and families.
- Life Insurance
- Disability Income
- Supplemental Health
A local Texas insurance agency with community roots.
Bickerstaff Insurance is an independent insurance agency that serves individuals, families, and businesses throughout North Texas. Our relationships are built on consistency, transparency, and long-term service.
Independent guidance
As an independent agency, we represent multiple carriers and focus on finding the right coverage—not pushing a single product.
Clear explanations
We take the time to explain coverage, trade-offs, and options so you know what you're buying and why.
Proactive planning
We review policies regularly to ensure coverage keeps pace with changes in your life or business.
Support when it matters
If a claim occurs, we help you navigate the process and advocate on your behalf.
Why work with
Bickerstaff Insurance
Our Testimonials.
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Ready for a clearer view of your insurance?
Whether you’re reviewing existing coverage or exploring new options in Texas, we’re here to help you make informed decisions.
Frequently Asked Questions.
What are the mandatory insurances in Texas?
For most consumers, the main insurance required by Texas law is auto liability insurance if you own and drive a vehicle. Texas minimum limits are 30/60/25. Home, renters, and health insurance are not required by state law, although a mortgage lender or landlord may require coverage. For businesses, workers’ compensation is not required for most private employers in Texas.
Do you have to have health insurance in Texas?
No. Texas does not require you to carry health insurance, and there is currently no federal tax penalty for not having coverage. That said, health insurance is still important for protecting against large medical bills.
How much does insurance cost in Texas?
Insurance cost depends on the type of policy, coverage limits, deductibles, claims history, location, and carrier. Rates vary significantly from person to person and property to property, so the best way to get an accurate number is to compare quotes based on your specific situation.
Do you need insurance to register a car in Texas?
Yes. Texas requires proof of liability insurance to register a vehicle.
How much is a no-insurance ticket in Texas?
Garland currently lists a no-insurance citation, or “Failure to Maintain Financial Responsibility,” at $346. If the driver actually had valid insurance at the time of the stop, the court may dismiss the charge if proof is provided on time.
How much is gap insurance in Texas?
Gap insurance is optional and usually is not priced by city. In most cases, it is a small add-on when purchased through your auto insurer, while dealer or lender GAP coverage can cost several hundred dollars or more.
How do I get health insurance in Texas?
Most people get health insurance through an employer, HealthCare.gov, Medicaid, or CHIP. Marketplace plans are typically available during Open Enrollment, and outside that period you generally need a qualifying life event to enroll.
What is the minimum car insurance required in Texas?
Texas requires drivers to carry at least liability insurance with minimum limits of 30/60/25. That means $30,000 for bodily injury per person, $60,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums, but many drivers choose higher limits for better protection.
What does full coverage mean in Texas?
“Full coverage” is not a legal term and can mean different things depending on the policy. In most cases, people use it to describe a policy that includes liability, collision, and comprehensive coverage, rather than liability only. If you still owe money on your car, your lender will usually require collision and comprehensive coverage.
Is renters insurance required in Texas?
No. Renters insurance is not required by Texas law, but some landlords may require it as part of the lease. It can help protect your personal belongings and may also provide liability coverage if someone is injured in your rental home or apartment.
Why did my insurance rate go up at renewal?
Insurance rates can increase because of both market-wide factors and policy-specific factors. Market-wide causes can include inflation, higher repair and construction costs, weather losses, and overall claims trends. On an individual policy, the increase may also be related to claims history, tickets, changes in discounts, deductible choices, vehicle or driver changes, roof age, home characteristics, or coverage changes at renewal.
Latest news.
Not sure if your coverage is doing its job? Let’s find out together.
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