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Personal Insurance


Financial Protection Where You Need It Most

Know your family and assets are safe, now and in the future, with our customized personal insurance policies

Personal insurance should play a central role in you and your family’s financial wellbeing, helping to provide you the security when you need it the most. While no amount of money can replace you, your family members, your beloved assets, or even your pet, we can help build a customized insurance policy that gives you peace of mind. 

For over 35 years, we’ve provided nothing but white-glove service and competitive prices. If you seek to insure your home, jewelry, automobile, or whatever it is, Dean & Draper will leverage our relationships to work with a company that can meet these specialized needs. 

Take a look at our personal insurance policies below.

Overview of Personal Auto Insurance

Even if you own the latest car with the most state-of-the-art safety features, accidents happen on the road. In Texas, auto insurance is also required and covers everyone within your car. At Dean & Draper, we want to make sure you, your car, and everyone in it is taken care of through our tailored, personal auto insurance policies.


Most auto insurance policies offer coverage for:

  • Bodily Injury Liability - covers accidental injury or death of another person if caused by you in an automobile related accident.
  • Property Damage Liability - covers accidental damage to other people's property if caused by you in an automobile related accident.
  • Defense Costs - covers court costs, legal expenses and attorney's fees.
  • Collision - covers you for damage to your car in an accident, regardless of who was at fault.


  • Other Than Collision - covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.
  • Medical Payments - covers you and your family in any car, and anyone riding in your car for medical expenses resulting from an accident.
  • Uninsured / Underinsured Motorist - covers injury suffered by you, your family, and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.

Overview of Home Insurance

Your home is most likely the largest financial investment you’ll ever make. What would you do if something happened to it? The team at Dean & Draper don’t want you to have to worry about that. Instead, we want you to enjoy your house, knowing it and its contents are protected against unforeseen events. Our policies are built to match your needs - giving you maximum coverage of your home, possessions, valuables, and family.


Homeowner’s insurance policies may cover a number of events:

  • Burglaries, vandalism, and other civil disturbances
  • Hurricanes, tornadoes, and other weather emergencies


  • Fires, injuries, and other accidents occurring on your property
  • Lawsuits related to any of the above

Overview of Flood Insurance

In Texas and other parts of the country, the weather can be extreme. From a drizzle to category 4 hurricanes, the threat of flooding is very real. Unfortunately, many Americans ignore flood insurance, which is not included in standard home insurance policies. But you don’t have to figure it out on your own. We want to make sure all homeowners are insured against the unknown, and we’ll work with you to determine if you qualify for flood insurance and which policy is the best.

Overview of Dwelling Fire Insurance

Texas dwelling fire insurance is the recognized coverage choice for those looking to safeguard their rental properties, seasonal and secondary homes, and other residences without permanent occupancy. Fire insurance covers both the structure of the house and any attachments to the home. The team at Dean & Draper works with landlords, property owners, and future homeowners to find the best coverage possible.

Please note: As Texas dwelling fire insurance is more specialized than homeowner's insurance, it is slightly narrower in its scope and is not offered by every insurance agency.

Dwelling fire insurance policies may cover homes that suffer:

  • Fire and smoke damage
  • Ice and sleet damage
  • Hail and lightning damage


  • Explosions
  • Vandalism, burglaries, and civil disturbances
  • Damage caused by aircraft or other vehicles

Overview of Personal Umbrella Insurance

No one ever expects to face a lawsuit, but it can happen. The costs can quickly add up, leaving you in potential financial ruin. Additionally, a typical auto, homeowner’s, or other insurance policy can only handle a limited amount of liability. The rest is up to you - unless you work with the Dean & Draper associates to design your customized personal umbrella liability insurance policy.

A personal umbrella insurance policy may:

  • Protect you from costs beyond what your existing insurance policies take care of 


  • Ensure you aren’t liable someone else's medical care, lost wages, or other expenses related to an accident

Overview of Motor/RV Insurance

If you own a motorhome or RV, you probably love it and want to keep it safe. But traditional automobile insurance doesn’t actually cover it. Instead, you need specific motor home or RV insurance which covers motor homes, fifth wheels, camper vans, travel trailers, trucker campers, and more. Texas motor home insurance policies offer many benefits aimed at protecting not only you and your family but your traveling companions and possessions as well -- none of which are even an option with auto insurance. Work with us for the lowest rate on your insurance, with the most coverage.

What your motor home or RV insurance may cover:

  • The loss of personal possessions not part of the vehicle (including appliances, clothing, and other belongings)
  • Emergency expenses (including accommodations and temporary replacement vehicles)


  • Permanent attachments to the motor home (including satellite dishes and awnings)
  • Towing and roadside assistance

Overview of Motorcycle Insurance

Whether you've just purchased your first motorcycle, or you're an experienced driver looking for a better rate, the last thing you want to worry about is if you can afford an accident. The advisors at Dean & Draper can help you insure your beloved bike with the best motorcycle insurance plan made just for you. Our policies can cover scooters, mopeds, motorcycles, trikes, cruisers, street bikes, and more.

Insurance can help protect you and your motorcycle from:

  • Costs associated with bodily injury to yourself or others involved in the accident
  • Costs of any property damage you caused with your motorcycle


  • Costs associated with motorcycle theft or vandalism
  • Costs of damage sustained while your bike is in storage (e.g. water or smoke damage)

Overview of Renter’s Insurance

When you rent any kind of property in Texas or across the country, your personal property is not covered by your landlord’s insurance. Some landlords require their tenants to purchase renters’ insurance while others don’t. In either situation, you’ll want to protect your possessions in the event of an accident, burglary, inclement weather, or other emergency. We can guide you to a plan that helps you keep your valuable items safe. policies can range from $10 -$20 a month, which is a small price to pay knowing you’ll be taken care of.

Renter’s insurance policies can cover a number of areas:

  • Personal property, including furniture, electronics, and clothing
  • Food & other living expenses, including temporary alternative housing


  • Additional unique items, including jewelry, art, collectibles, and expensive electronics

Overview of Condo Insurance

Owning a condominium is neither the same as owning a traditional home or renting. The issues and challenges they face are wholly unique, and require a policy just as tailored to insure their properties. We know you need protection for your home, belongings, and families just like traditional homeowners and will work closely with you to find an affordable condo insurance package. 

Your condominium association may have coverage for the building itself and shared common areas, but a personal policy from Dean & Draper may afford you more protections.

Coverage may include:

  • Burglaries & break-ins
  • Injury liability


  • Water damage, including burst pipes
  • Fires, freezes, and other inclement weather

Overview of Valuable Articles Insurance

Too often people find out their renter or homeowner’s insurance only covers a portion of the cost of important valuables like antiques, jewelry, or family heirlooms. Dean & Draper wants to make sure your valuable articles receive the best protection they deserve in the event of an accident or theft. Not sure if your valuables are covered? The team at Dean & Draper can answer that question and much more.

Valuable articles insurance policies may cover expensive or personal belongings like:

  • Jewelry & furs
  • Antiques & silver
  • Fine furniture
  • Instruments & fine art


  • Laptops, cameras, & other costly electronics
  • Stamp collections & wine collections
  • Inherited items
  • Other unique & rare collectibles and personal effects

Overview of Pet Insurance

You and your family love your pets. The decision to take care of them is simple, but veterinary costs can get high. We can help find a pet insurance program for you that protects your furry loved ones and pocketbook.

Ready to get started? Use click here to get started today and protect those who love you the most.

Pet insurance may include:

  • Coverage available for accidents and illness with the option of adding preventive care coverage at an additional cost
  • A range of different annual limits, deductibles, and reimbursement percentages


  • The freedom to choose any veterinarian, specialist, or emergency clinic
  • No waiting period for preventive care

Overview of Event Insurance

Are you planning an upcoming event and want to ensure you are covered in case there is an unforeseen accident? Dean and Draper has you covered so you can sit back and enjoy your event knowing you and your guests are covered.

Ready to get started? Use click here to get started today.

Events may include:

  • Weddings
  • Parties and Social Events
  • Fundraisers
  • Musical and Theatrical Performances

  • Conventions
  • Tradeshows
  • Exhibits
  • Sporting Events and Tournaments 


Ready to get started? Fill out the form to receive a personalized consultation.

Frequently Asked Questions

Our specialties include commercial insurance, personal insurance, employee benefits, and risk management.

The service and knowledge you have access to when you work with our company is invaluable. Our team is dedicated to working with our clients and personalizing their insurance to best fit their needs. Our clients are able to speak with a real person, someone who lives and works in the area, who has a desire to serve their community.

We are not looking to be a quoting machine.  We want to build partnerships and long term relationships with all our clients. This involves getting to know you in a series of personalized meetings, where we focus on developing a solution that will meet your needs and works with your timeframe. We’ll engage in meaningful conversation, ask the right questions, cultivate a partnership, empower you to make strategic decisions and execute your solution.

We’ve been in the insurance industry in Texas for over three decades. We have specially trained associates with different skill sets, so you’ll always be matched with someone who is committed to your specific situation. About 40% of our business is currently made up of personal policies - a feat we didn’t get just by chance!

Ready to protect your business?

Dean & Draper Insurance Agency represents some of the best insurance companies in the country, and we can provide a commercial insurance policy that will fit your unique needs at a competitive price.