🛻 Auto Insurance

Q: What types of auto insurance coverage do you offer?

We offer liability, collision, comprehensive, uninsured/underinsured motorist, and full coverage policies. We’ll help you find the right coverage for your vehicle and budget.

Q: Is auto insurance required in Texas?

Yes, Texas law requires all drivers to carry liability insurance with minimum limits. We can also help you understand optional coverages that offer more protection.

Q: Can I get insurance if I have a bad driving record?

Yes. We work with multiple carriers to find affordable options, even if you have tickets, accidents, or a suspended license.

🏠 Homeowners & Renters Insurance

Q: What does homeowners insurance cover?

It typically covers your home’s structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event.

Q: I rent—do I still need insurance?

Yes. Renters insurance protects your personal belongings and provides liability coverage. It’s affordable and often required by landlords.

Q: Does homeowners insurance cover floods or earthquakes?

No, those require separate policies. If you’re in a high-risk area, we can help you add flood or windstorm coverage.

🏢 Business & Commercial Insurance

Q: What types of business insurance do you provide?

We offer general liability, commercial property, workers’ compensation, commercial auto, and specialized policies for various industries.

Q: Do you offer coverage for small businesses?

Absolutely. Whether you’re a startup or a family-owned shop, we’ll help tailor a policy that fits your specific needs and risks.

Q: How do I know what coverage my business needs?

We provide personalized consultations to evaluate your operations and recommend the right coverage to protect your assets and employees.

🚚 Commercial Trucking Insurance

Q: What does commercial trucking insurance cover?

Coverage can include primary liability, cargo insurance, physical damage, non-trucking liability, and more depending on your needs and DOT requirements.

Q: Can you insure owner-operators and fleets?

Yes. Whether you’re an independent driver or manage a fleet, we offer flexible solutions that meet FMCSA regulations and protect your business.

Q: Do you offer same-day proof of insurance?

In many cases, yes. We work quickly to get you the documents you need to get on the road.

🧾 General Questions

Q: How do I get a quote?

You can call us, visit our office, or fill out our quick quote form online. We’ll respond promptly with a personalized quote.

Q: What insurance companies do you work with?

We partner with a variety of trusted insurance carriers to find the best rates and coverage for your needs.

Q: Why should I choose Protection Insurance Agency?

We’ve proudly served Laredo and South Texas since 1997. As a local, family-run agency, we focus on personal service, trusted advice, and finding insurance that works for you—not just a one-size-fits-all policy.