Genesis Auto Insurance
Houston

Serving the Houston Area

Genesis Auto Insurance is an independent agency with seven offices in Oklahoma, now licensed in Texas and serving the Houston metro by phone. There is no Houston storefront — (713) 491-4239 reaches a bilingual agent who can quote, bind, and send proof of insurance the same day. The service area covers Harris, Fort Bend, and Montgomery counties: Houston, Pasadena, Sugar Land, Baytown, Pearland, League City, and Katy, from I-10 and I-45 to I-610, Beltway 8, and the Grand Parkway.

Texas minimums are the same statewide: 30/60/25 liability — $30,000 for injuries to one person, $60,000 for all injuries in one accident, and $25,000 for property damage. The Texas Department of Insurance regulates every carrier Genesis quotes and warns that the minimum can fall short in a freeway pileup on I-45 or the Katy Freeway, so agents also quote higher limits and uninsured motorist coverage. Drivers who need an SR-22 — a DWI, driving while license invalid, or repeated no-insurance convictions — get the certificate filed electronically with the Texas Department of Public Safety, with two continuous years required and a $100 reinstatement fee after any lapse.

Flood and hurricane exposure is the Houston-specific coverage question. Hurricane season starts June 1, and the Texas Department of Insurance reminds drivers that an auto policy pays for flood damage only with comprehensive coverage — liability never does. After Hurricane Harvey, TDI noted that more than half of the flooded homes were outside designated flood zones, and the same lesson applies to cars parked on streets across Harris, Fort Bend, and Montgomery counties. Before the season starts, call (713) 491-4239 and ask an agent to add comprehensive — it also covers hail, wind, fire, and theft.