Insurance Agency Serving Waco, Texas

Waco families and businesses deserve an insurance agency that takes time to understand their needs. Winkler Insurance has served the Waco area and Central Texas since 2006, providing personalized service and competitive rates from multiple top-rated carriers. As an independent agency, we compare insurance options across many companies to find coverage that fits—not just whatever one insurer happens to offer.

Waco has transformed in recent years while maintaining its rich history and community spirit. From the revitalized downtown and Magnolia Market district to established neighborhoods and Baylor University, Waco offers something for everyone. Whether you're a long-time McLennan County resident or new to the area, Winkler Insurance provides the local expertise and carrier options you need.

Home Insurance in Waco, TX

Your Waco home is likely your biggest investment—protecting it requires homeowners insurance that covers real Texas risks. Severe thunderstorms, hail, tornadoes, and high winds regularly impact McLennan County. The right home insurance policy covers weather damage plus fire, theft, vandalism, and liability protection if someone is injured on your property.

Waco's diverse housing stock—from historic homes in Castle Heights to new construction in growing subdivisions—each has different insurance considerations. Older homes may need special attention to replacement cost and updated systems, while newer homes often qualify for discounts. We evaluate your specific home and find coverage that protects it properly.

Flood Insurance in Waco

Properties near the Brazos River, Lake Waco, and low-lying areas may face flood risk. Standard homeowners insurance never covers flood damage—you need a separate flood policy. We help Waco homeowners assess their flood exposure and find coverage through the NFIP or private flood insurers.

Auto Insurance in Waco, TX

Waco drivers face busy roads, I-35 traffic, and unpredictable Texas weather. When accidents happen, you need auto insurance that actually protects you—not just minimum coverage that leaves you exposed. Winkler Insurance helps Waco drivers find the right balance of protection and affordability.

We help with:

• Liability coverage that protects your assets


• Collision and comprehensive coverage


• Uninsured motorist protection—essential in Texas


• Multi-vehicle and good driver discounts


• SR-22 filings for license reinstatement


• Coverage for teen drivers and college students

Baylor students and their families often ask about coverage for students with cars on campus. We help families find appropriate coverage that protects young drivers without breaking the budget.

Business Insurance in Waco, TX

Waco's growing economy includes restaurants and shops downtown, professional services throughout the city, manufacturing and distribution companies, and businesses serving Baylor University. Each business has unique risks requiring proper insurance protection.

Winkler Insurance provides Waco businesses with:

• General liability insurance for third-party injury and damage claims


• Commercial property insurance protecting buildings, equipment, and inventory


• Business owners policies bundling coverage for small businesses


• Workers compensation insurance for employee injuries


• Commercial auto insurance for business vehicles


• Professional liability for consultants and service providers

Whether you're opening a new business in downtown Waco or reviewing coverage for an established company, our commercial specialists help you find appropriate protection.

Life Insurance for Waco Families

Life insurance ensures your Waco family's financial security if something happens to you. We help families evaluate their needs—considering mortgages, children's education, income replacement, and other factors—and find appropriate term or whole life coverage at competitive rates.

Rental Property Insurance in Waco

Waco's rental market has grown significantly, driven by Baylor students, young professionals, and families. If you own rental property in Waco, you need landlord insurance—not standard homeowners coverage. Landlord insurance protects your investment from property damage, liability claims, and lost rental income. We help Waco landlords find coverage that works whether you own one rental or multiple properties.

Additional Coverage for Waco Residents

Beyond standard policies, Waco families often need:

Renters Insurance — Students and renters need protection for their belongings and liability. Coverage costs less than $20 monthly.

Boat Insurance — Lake Waco is right in your backyard. Protect your boat with proper marine coverage.

Umbrella Insurance — Extra liability protection above home and auto limits. Important for families with significant assets.

Motorcycle Insurance — Texas requires liability coverage for motorcycles. We find comprehensive protection at competitive rates.

Why Waco Families Choose Winkler Insurance

Independent agency. We compare rates from multiple carriers to find the best coverage at competitive prices.

Central Texas expertise. Since 2006, we've served this region and understand local risks and needs.

Personal service. You work with agents who know your situation, not a different person every time you call.

Easy access. Our Temple office is just 30 minutes from Waco on I-35—or we handle everything remotely if that's more convenient.

Frequently Asked Questions About Insurance in Waco

Do I need flood insurance in Waco?
Properties near the Brazos River, Lake Waco, or in flood-prone areas should strongly consider flood insurance. Even outside designated zones, flooding can occur. We assess your risk and provide quotes.

Can you insure Baylor students' vehicles?
Yes—we help families with college students find appropriate auto insurance, including coverage considerations when the vehicle is kept at school.

Are insurance rates higher in Waco than smaller towns?
Rates depend on many factors. Waco rates vary by neighborhood, driving record, and coverage levels. We shop multiple carriers to find competitive pricing.

Get Your Free Insurance Quote in Waco, Texas

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