Your Local Insurance Agency in Temple, Texas

Winkler Insurance has called Temple home since 2006. Located on West Adams Avenue, our agency has spent nearly two decades helping Temple families and businesses find the right insurance coverage at the right price. As an independent agency, we're not tied to any single insurance company—which means we work for you, not the insurer. We compare quotes from multiple top-rated carriers to find policies that fit your needs and budget.

Temple is the heart of Bell County and a growing community with deep roots. From the historic downtown district to the expanding neighborhoods near Scott & White Medical Center, Temple families need insurance protection they can count on. Whether you've lived here for generations or just moved to town, Winkler Insurance provides the personal service and local expertise you deserve.

Home Insurance in Temple, TX

Protecting your Temple home starts with the right homeowners insurance policy. Texas weather doesn't take it easy on our area—hail storms, high winds, and occasional tornadoes mean your home faces real risks. A solid home insurance policy covers damage from these perils plus theft, fire, vandalism, and liability claims if someone gets injured on your property.

Temple homeowners often ask us: How much homeowners insurance do I need? What does home insurance actually cover? Why are Texas home insurance rates so high? We take time to answer these questions and explain your coverage options clearly. Whether you own a historic home near downtown Temple, a newer build in Wildflower subdivision, or a property in Temple's growing west side, we find coverage that protects your investment.

Renters Insurance in Temple

Renting an apartment or house in Temple? Your landlord's insurance doesn't cover your belongings. Renters insurance protects your furniture, electronics, and personal items from theft, fire, and water damage—plus provides liability coverage if someone gets hurt in your unit. Most Temple renters pay less than $20 per month for solid protection.

Auto Insurance in Temple, TX

Every Temple driver needs auto insurance that meets Texas requirements and actually protects them when accidents happen. State minimum coverage is rarely enough—a serious accident on I-35, Loop 363, or Highway 36 can easily exceed basic liability limits. Winkler Insurance helps Temple drivers find the right balance of coverage and affordability.

We regularly help customers answer questions like: How much car insurance do I need in Texas? What's the difference between collision and comprehensive coverage? How can I lower my auto insurance premium? Our agents compare rates from multiple carriers to find you competitive pricing without cutting corners on protection.

Temple drivers also ask about specialized coverage: SR-22 insurance for license reinstatement, coverage for teen drivers, and policies for classic cars. Whatever your situation, we find solutions that work.

Business Insurance in Temple, TX

Temple's business community is thriving—from restaurants and retail shops downtown to medical practices near the hospital district and service companies throughout the city. Every Temple business faces unique risks that require proper insurance protection.

Winkler Insurance helps Temple business owners with:

• General liability insurance to protect against customer injuries and property damage claims


• Commercial property insurance to cover your building, equipment, and inventory


• Business owners policies that bundle essential coverages at lower rates


• Workers compensation insurance to protect your employees and your business


• Commercial auto insurance for business vehicles and fleets


• Professional liability insurance for service-based businesses

Whether you're opening a new business in Temple or looking to review your existing coverage, our commercial insurance specialists help you protect what you've built.

Life Insurance in Temple, TX

Life insurance gives Temple families financial security when it matters most. If something happened to you, would your family be able to pay the mortgage, cover daily expenses, and plan for the future? Life insurance provides that safety net.

We help Temple residents understand their options—term life insurance for affordable coverage over a specific period, or whole life insurance for permanent protection that builds cash value. Our agents take time to assess your family's needs and find policies from carriers with strong financial ratings.

Why Temple Families Choose Winkler Insurance

Choosing an insurance agency is personal. Here's why Temple residents have trusted Winkler Insurance since 2006:

We're truly local. Our office is right here in Temple at 1102 W Adams Ave. When you call, you talk to someone who knows the community—not a distant call center.

We're independent. We represent multiple insurance carriers, which means we shop your coverage to find the best combination of price and protection. We work for you, not the insurance company.

We're experienced. Jason Winkler is a third-generation insurance professional. Insurance isn't just a job for us—it's a family legacy built on doing right by our clients.

We make it easy. Need to file a claim? Have a question about your policy? Want to add a vehicle or update your coverage? We handle it quickly and personally.

Frequently Asked Questions About Insurance in Temple

How much does home insurance cost in Temple, TX?
Temple homeowners typically pay $1,800 to $3,500 annually depending on their home's value, age, roof condition, and coverage limits. We compare quotes from multiple carriers to find competitive rates.

What auto insurance coverage do I need in Texas?
Texas requires minimum liability of 30/60/25, but most Temple drivers should carry higher limits plus collision, comprehensive, and uninsured motorist coverage for adequate protection.

Do I need flood insurance in Temple?
Standard homeowners insurance doesn't cover flood damage. While not all Temple properties are in flood zones, flash flooding does occur. We can assess your risk and provide flood insurance quotes.

How can I save money on insurance in Temple?
Bundling home and auto insurance typically saves 10-20%. We also look for discounts based on your home's safety features, driving record, and other factors.

Get Your Free Insurance Quote in Temple, Texas

Our Temple insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.